vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have spoken with my CC company twice and with the Transunion on many occasions. I will attach the screen shots at the bottom. Transunion has removed my oldest CC account from their system and isn't taking responsibility for it. They keep blaming the CC company and the CC company says, " it's not us but Transunion, we report every month ''. Also, I filed a dispute with Transunion on an account, which is paid in full and is reported to the other credit companies but their investigation still shows the account to be active. It was an auto loan paid off on XX/XX/XXXX. They also haven't updated their information on other accounts as I keep a XXXX balance except for one card ( to keep my credit score high ). I have an XXXX credit score with the other institutions except for Transunion, which has just down graded my information due to removing the account. Now, 17.8 years of history is missing and they said I never had the account reported to them. If this were true, then their company wouldn't have shown that the account was removed in an alert. It seems to me they are doing something illegal or have a computer glitch which needs correcting immediately. Everyday this goes uncorrected affects my ability to buy my XXXX XXXX. When it comes in from XXXX I need my credit to be at its best. Please take care of this ASAP. If their system is messing with my credit, just think how many others they are messing with. I cant be the only one seeing these discreteness. They keep trying to push the blame onto someone else, when it is clear it is their system. I have placed each screen shot in order of how it shows up on XXXX XXXX as it would be in a full length page and am showing you my XXXX report which gives my credit score and the actual account in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Since 2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting XXXX  about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Since XX/XX/2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
please see upload, chase is reporting debt to be over by {$850.00} to XXXX XXXX and XXXX on 2 of its credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On two occasions my payment was shown to be late but that shouldn't have been the case I called the company to explain reseasons for the billing situation and the online banking payment methods. but I was unfairly marked 2 times for late payments, but since then in the past year I have cleared up the situation but they refuse to forgive and clear my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC
State: OR

Complaint narrative:
I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did. 
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
I voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX,  and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Concentric Receivables regarding the debt being reported on my credit. I never received a response. ( I will include a copy of the signed receipt of the certified letter. ) XX/XX/XXXX - I sent a second dispute letter by mail and again, received no response. 
XX/XX/XXXX - The item remains on my credit report and to date, I have never received any response to either of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have not looked at a statement from XXXX 's in a very long time because of auto pay. There is a {$15.00} monthly charge from " XXXX XXXX XXXX ''. This has been charged monthly since I opened the account 6 years ago. I feel XXXX for not catching it earlier. When I called XXXX 's account support they said I enrolled in the program when I opened the card and it was a separate company from XXXX's.They then transferred me to speaking to a " XXXX XXXX '' company representative who terminated the service but was only able to submit my request for a fee reversal. I did not willingly sign up for this. If it was a separate company from XXXX 's then they would be able to dispute the charges, correct? The XXXX 's rep said this could not be done. This is around {$1000.00} that I have been paying interest on. I am going to close my account and encourage others to stay away from this company that participates in scamming it's customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently :XXXX , XXXX , XXXX My current legal name isXXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted Lexis Nexis, XXXX XXXX, XXXX, XXXX  regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY IQUIRIES NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
XXXX XXXX advanced me property tax funds several years ago. I assumed it came from the appx {$55000.00} equity I thought I still had in this property. I was told many times just to pay it back as I could. No loan person told me a reverse mortgage causes you to lose access to the remaining equity after the pay out. I paid {$120000.00} cash ( all of my retirement ) got about {$67000.00} and the rest went where? XXXX XXXX has admitted to poor ethical behavior and I am sure it far exceeded what we know. It was their culture at the time. I was told several times that if I said I was going to call a lawyer or was unhappy with the situation, I would be " sent to the office of the president '' and they were done working with me and would retract my ability to pay back the taxes.

When confronted, XXXX just denied it. I gave up the fight, entered a repayment plan and began exceeding the required amount and continue to do so. I am now within about 6 months and {$3000.00} of once again owning the house I paid cash for. I was notified in XX/XX/XXXX that my HECM loan had been sold to XXXX XXXX ( XXXX ) and the same repayment began to be made to them. Last night ( XX/XX/XXXX ) an appraiser called me to say XXXX  had ordered an REO Appraisal on my town home. I was an appraiser and a professional practice instructor for 30+ yrs. I know the other appraisers. Without reason and without any warning to me, XXXX puts an REO Appraisal request for my property out on the appraisal network. I am in my XXXX  's and not in great health and with one asset -- this town home. Imagine the shock out of nowhere getting a call at XXXX XXXX XXXX and having someone say they have been hired to do an REO ( accepted as synonymous with foreclosure ) on your home. I am meeting all the terms of my repayment and now this. I have worked ( literally back to work ) to clear this up and now XXXX  adds embarrassment to the situation. I assume they are going to deduct the costs from me. I want other borrowers to beware this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I obtained a copy of my report and the report disclosed several dismissed bankruptcy cases that are not mine. I filed a dispute with Equifax and the cases were returned as verified. I contacted Equifax today and were told that the information was verified with the bankruptcy court directly. I contacted the court directly and they confirmed that they DO NOT verify case filing information for credit reporting agencies. Equifax has failed to verify the information directly with the furnisher of the information as is required by the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was declined for an apartment based on the inaccurate findings provided by XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX I contacted first advantage to provide proof that the eviction that were reporting was discharged by the court and deleted from public record over 2 years ago. I provided them with the original court documents with the legal verbiage, a deletion letter of the public record being deleted. However the eviction that they were reporting, they claimed they found on my credit report was never on actually on my credit report, rental history, consumer report or public record. I have spoken with members of their tenant screening reps, disputes, review team and department supervisors of each department, yet they are adamantly refusing to delete the inaccurate information which in turn is preventing me from obtaining an apartment. I have applied to 3 apartments and have been turned down by all 3 due to first advantages gross negligence and non compliance with the Fair Credit Reporting Act and have lost over {$300.00} in application and administration fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XX/XX/2005 reporting this debt on my credit report as a collection bad debt. Please Delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX Discover reporting incorrect amount owed by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX cards and XXXX XXXX XXXX XXXX   Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXXto XX/XX/XXXX and they were aware.

Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death.

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me.

Also on all three credit bureaus Navient and XXXX reported me late on XX/XX/XXXXto XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted.

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports.

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX.

When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every month!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX my back account when I filed bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation