vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have savings account with Bank of America which is linked with Primary checking Account for automatic transfer. I never had fee associated with the savings since 2005. For the past two years there is hidden fee of {$5.00} on monthly basis, and there wasn't any mention of fees would be incurred to the account due to recent changes with the bank. Followed up with BofA customer service who are setting hardline on waiving or reversing fees applied to Saving Account in {$5.00}. The claim is to have minimum {$300.00} in saving which wasn't communicated in letter for recent changes coming to old saving account. As matter of fact asked for resolution, and Bank of America showed hostility & refrained from resolving matter as part of waiving fees on saving account which was occuring as per banking statement for two years. Need to contest those fees applied to Saving Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: LA

Complaint narrative:
I purchased the subject property as a single person. When I refinanced the subject property with the current loan servicer I was married. Since it was our primary residence when I refinanced the property, the lender required my spouse to sign the security instrument ( Deed of Trust ) as a non-borrowing spouse. As of today I have never signed a Warranty Deed giving him any ownership interest in the subject property nor has he been an on any promissory notes associated with the subject property. Hence, the subject property remains my sole and separate property. 

Around XXXX of 2019, my husband filed for Bankruptcy. The subject property was not included in his Bankruptcy since he is not on the note or deed. Around XX/XX/2019 went online to make a payment, but this feature was disabled. The online system advised me to call to make a payment. When I called I was directed to the Bankruptcy Division. I advised them that I am not in Bankruptcy and my spouse has not financial or ownership interest in the subject property as he is not a borrower, on title, and purchased prior to our marriage. Since my y mortgage is not subject to my spouses Bankruptcy, the representative escalated the issue. However on XX/XX/2019 they retained an attorney to object to my husbands plan confirmation and falsely stated he was a debtor and on the deed. Despite several escalations, they continue to service my account as if I was in Bankruptcy including incurring legal fees, disabling payment features, and placing payments in a suspense account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alliance Collection Agencies, Inc.
State: SC

Complaint narrative:
Upon obtaining my credit report I notice a derogatory collection account listed without my knowledge or permission to do so, which is an Impermissible Purpose to access my personal information without my consent. I've never contracted with this Alliance Collection Agency and do not wish to do any business with them. After gathering all of their information from my credit report I drafted a validation letter to get a certified copy of the original contract that was signed by me to agree to do any commerce with Alliance Collection Agency. To date NO valid contract or proof of obligation was sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
I currently purchased from XXXX XXXX a vehicle. Some creditor denied because they say my credit score was XXXX. This information provided by SageStream LLC is totally false and incorrect. My credit score with all the mayor credit companies XXXX, XXXX  is higher than XXXX. 

SageStream which I personally did not know that even existed is providing false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc.
State: IL

Complaint narrative:
Credit Technologies improperly obtained a 92 month Verification of Mortgage for my property. Based on the total amount of late payments listed on the Verification of Mortgage ( VOM ), they magically created dates of these late payments. My mortgage servicer ( XXXX ) never provided the dates for these late payments. Credit Technologies and XXXX attempted to hide this supplemental report from me. I was able to obtain a copy of the VOM from XXXX. 

I was working on a new FHA mortgage application with XXXX XXXX. I requested that XXXX XXXX perform a " Verification of Mortgage ''. I told XXXX that I wanted them to perform the Verification of Mortgage and not to use a third party. XXXX engaged with Credit Technologies for a verification of mortgage without my consent. 

Credit Technologies sent XXXX XXXX a " Verification of Mortgage '' with no specified end dates. They received a 92-month verification of mortgage from XXXX. The verification sent by XXXX contained the total amount of 90-day late payments, 60-day late payments, and 30-day late payments. The form did not specific the dates from these  late payments. 

My mortgage with XXXX went through a Chapter XXXX and Loan Modification in XX/XX/2015. The XXXX mortgage was not re-affirmed. Therefore, I was very cautious on what information a 3rd party credit agency obtains on this discharged debt. 
Thinking that XXXX was obtaining a 12 month VOM, I was shocked when Credit Technologies performed a 92 month VOM. Ive also very confused on how Credit Technologies generated the SUPPLEMENTAL REPORT based on a 92 month  verification of mortgage which didnt have specific dates for the late payments. The supplemental report they provided to XXXX somehow extrapolated dates for the late payments. How did they make up these dates, as I confirmed with XXXX, that they didnt provide this information to Credit Technologies. 

Credit Technologies made up these dates and numbers in the supplemental report. In addition, the total number of late payments do not match the late dates in their own report. The report they states 6 60 day and 1 90 day. However, the dates they made-up in their report equals 7 60 day and 2 90 day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I'm in the process of trying to repair my credit and I came across this account which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XXXX of 2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have reached out on the creditors/company many times but they have failed to provide necessary documents to proved that the account is mine. As a result, it drops my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried to get Experian 's help in correcting a error on my credit report on at least 4 different occasions. As late as today ( XX/XX/XXXX ) I again received from Experian their statement that my credit report is correct ( one of their XXXX comments that their position was correct was their comment that it was confirmed by the company who placed it on my report. ) That is a XXXX comment, because the missing item on my credit report is a chapter XXXX bankruptcy filed and discharge in the XXXX XXXX US Bankruptcy Court ... ... .NOT A COMPANY. i CONTACTED THAT COURT AND OF COURSE they informed me they do not contact the credit reporting agency, they respond to calls from the latter. 
Summary : I filed a Chapter XXXX bankruptcy which was dismissed by the US Bankruptcy court in XXXX, TX. I then filed a chapter XXXX in XXXX XXXX which was eventually discharged in XX/XX/XXXX. 
Since I have done all I can do to get Experian to correct my credit report to no avail, I have decided to file this complaint and to then, next week, file a suit against Experian under the auspices of the Fair Credit Reporting Act.

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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
Dear Consumer finance I'm having a difficulty due to having to change my phone number multiple times after being harrassed and threatened by my children fathers other baby mother 's and girlfriends ... moreover my phone battery was swollen and cell phone was also damaged I had to get a new phone the problem is that I had cash app linked to my phone a j prime XXXX XXXX XXXX phone and sue to having to switch phones I lost my app which my name tag for cash app is $ XXXX i also had problems because i forgot my passcode to my email address which is XXXX and all my information I also moved and had to update my address from XXXX XXXX XXXX XXXX, paXXXX my current address is XXXX XXXX XXXX XXXX pa XXXX My phone number is ( XXXX ) XXXX name that appears on my app is XXXX XXXX XXXX I'm currently not able to use my email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX website has been broken for years, needs to be fixed asap. 
Website can not process order. 
This occurred on XX/XX/20 at XXXX-CT.

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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
I'm in the process of trying to repair my credit and I came across this account which has 2 accounts ( {$540.00} and {$190.00} ) which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XX/XX/2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have tried to get proper validation bearing my signature on a signed contract making me responsible for this debt. Within guidelines to the FCRA. 

The responses that I keep getting are that theyve verified my name, dob, social and address which is considered verification not validation.

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 2020-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA
State: WY

Complaint narrative:
I Purchased a dog at XXXX XXXX in XXXX Wy, I was told I was approved for a loan with Lending USA and that the paperwork would come in the mail to me. They asked for my physical address and I explained I can not get mail at this address. I gave them both my PO box and physical address. I was told I would qualify for 6 months same as cash. I made this purchase the end of XX/XX/XXXX. I never received anything in the mail, I called Lending USA in XX/XX/XXXX to ask what was going on and they said they would email me the information. I never received an email and I went online and made a XXXX payment of which it did not leave my bank for a week. I then called and made this XXXX payment again over the phone after that I made a XXXX payment in XX/XX/XXXX and a XXXX payment in XX/XX/XXXX never have I received any information on how much to pay or when the payment is due and I have called them several times. I asked about the payoff and it was a lot more then I thought. they said because I was late due to never getting paperwork I lost my no interest. I filed a complaint since they did not mail it to me and they stated they did to the physical address which I can not get mail. I feel this is fraud to get the consumer to buy and then take them for a large amount of interest. They say I still owe {$700.00} for a {$1900.00} purchase and I have already paid {$1700.00}. I want help to resolve this as it is unfair, I have never been late on any of my cards or loans. I have no idea how they are being able to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Received company 's answer under Complaint # XXXX Here is the list of the payments I made on the 1st Mortgage : 1st Mortgage Payments from XX/XX/XXXX to XX/XX/XXXX Account # XXXX Date : check # amount for Month of : XX/XX/XXXX XXXX {$1100.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX online* {$1200.00} for XX/XX/XXXX *Confirmation # XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX XX/XX/XXXX XXXX {$1200.00} for XX/XX/XXXX Yet they still say I'm late and reported me late from XX/XX/XXXX to credit bureaus and won't fix it? Can you please help? Thank you.

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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
syncs/care credit and XXXX XXXX/ XXXX  are reporting negative on my credit report and i have not opened an account with them. i have tried calling them but have not be able to get any help resolving this problem

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