vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and XXXX  but it still remains on Equifax credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, Equifax, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX. XXXX is reporting 30 days late in XX/XX/XXXX andXX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours  talking to both XXXX and Experian on XX/XX/XXXX, and filed an online complaint on the Experian website, without success. As of XXXX, XXXX, XXXX, Experian has not updated its reporting on XXXX/XXXX  XXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, XXXX  has not updated its reporting on XXXX/XXXX.  XXXX, as of 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 explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
SEE ATTACH DOCUMENTS XXXX 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 explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and Transunion but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from Transunion, XXXX, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from Experian and XXXX  but it still remains on XXXX   credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, XXXX, & Experian. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.

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 2020-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
The payments were becoming to overwhelming to pay every month ; alongside with car insurance, totaling roughly XXXX month. To make matters worse, the transmission had went out ; but i still owed payments on the car. I went to a few car places, some werent able to fix the issue, but one place said that they could. The price that they offered was very outstanding and i couldnt afford it. I retrieved my car, called XXXX XXXX XXXX and let them know i wanted to surrender the car. I dropped the car at a local XXXX dealership ; the representative offered me to buy another car, i refused. The car was putting me in hardship, i thought i relieved some stress by surrendering ownership of the vehicle. Nissan Motor Acceptance picked up the vehicle in about a few weeks ; sold it, sent me a letter stating that I owe over XXXX. Considering that they have sold the car, the amount only decreased about XXXX. Honestly, I think that is too much money that i should be left paying for a car that I do not have possession of anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours talking to both XXXX and XXXX  on XX/XX/XXXX, and filed an online complaint on the XXXX  website, without success. As of XXXX, XXXX, XXXX, XXXX  has not updated its reporting on XXXXXXXX XXXXXXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, Transunion has not updated its reporting on XXXX/XXXX   XXXX, as of 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 explanation
Consumer complaint received 2020-01-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to Experian and XX/XX/XXXX several times starting XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 all by certified letter to remove all NEGATIVE ITEMS OFF OF MY CREDIT REPORTS. Along with Court Ordered Documentation, both Credit Reporting Agencies REFUSE to Remove these items. XX/XX/XXXX was the ONLY Agency to Remove all Negative Items I requested. XX/XX/XXXX and Experian both told me over the phone " THEY WILL NOT REMOVE AND CAN NOT REMOVE any NEGATIVE ITEMS ''! WHY IS THAT? XX/XX/XXXX had no problems! Due to Identity theft these negative companies and fraudulent address are still on both of my credit reports. See lists below : These items need to be REMOVED! 
Address : XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XX/XX/XXXX XX/XX/XXXX CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
The calls started in XXXX till XXXX of XXXX. I was getting 3-4 calls a day. I feel that I was being harassed. I decided to answer the call from Cavalry and the person i spoke with he told me the amount I owed for a debt that XXXXXXXX XXXX XXXX wrote off. I explained to him I had a lawyer and I didn't owe the amount they were say I owed. I even explained to them I had also contacted cfpb. They didn't seem like they cared. I even told them about the charges were wrong. I Don't even think the original company who knew the right amount. I have had 5 different collection companies try to collect on this debt. I have harassed, also been called the f word and also other bad word. 
The company has sent me to court now for this debt I don'y owe that amount. I have told them months ago. 
I also had filed with your company on XXXX XXXX. I got a packet from there company, The dates were back from XXXX and XXXX didn't have XXXX XXXX  take over till XXXX of XXXX. I tried calling the person that sent the packet. I never respond. They would say I never called because that is what they did last time I had complaint. I would like to know how they can harass me up to 5 times a day. This has been going on for 3 years. I had to change my phone number and also get a blocker on my phone. I am still getting phone calls from this company and my husband also gets them. They can ruin my credit but nothing happens to the companies. I am enclosing the civil court from the county I live in. There is a letter I sent to the person ( XXXX XXXX XXXX ), I also tried calling him but the operator told me he doesn't work there anymore. Now I don't know what will happen now. But also mailed and faxed a copy like my lawyer told me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
This company is calling prior to XXXX XXXX and leaving long voice mails of nothing but air and breathing. I looked up the number to see it was a debt collection agency by the name of Professional Debt Mediation , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCBXXXX. I disputed this inquiry with the credit bureau XXXX   asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the  company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/2019, US Bank made an erroneous debit of {$290.00} to my checking account. This made my account go negative. On XX/XX/2019, US Bank  issued a check for the same amount of {$290.00} to me. On XX/XX/2019, US Bank closed my checking account with the negative balance caused by their mistake, and placed it with a collection agency. 
I have spoken with my main branch, cardmember services, recovery, and customer service on multiple occasions. On each call, or visit, I have been transferred to multiple departments without the situation being resolved. 

I never asked to have my checking account closed. I have not cashed the check they sent to me. After they closed my account, I was unable to use my online banking. The notice US Bank sent me stated that there was a withdrawal of {$290.00}, but did not provide any details as to who initiated the transaction. I only learned that US Bank made the debit, after visiting my local branch, but the teller did not know why. 

I have never received a thorough explanation of what happened, and now my credit is being damaged due to the actions of US Bank. My checking account had a positive balance, and by overdrawing my account, US Bank has stolen from me, and caused incorrect information to be added to credit report. This situation is still unresolved.

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 monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My hardship began XX/XX/2016 when my Son was diagnosed with a rare medical condition know as XXXX XXXX XXXX, in which he had to have undergone 5 medical surgeries over the last 36 months. The surgeries required extended stay in the hospital and caused me to miss several days of work reducing my wages. I had to take a position with reduced income but was able to spend more time with my Son, and my situation worse with a divorce that further reduce my income. 
SSI is providing a monthly benefit but together with my reduced income is not enough to bring the mortgage current or continue to pay at the current high interest rate. I applied for a Loan Modification was turned down indicating that although I have a hardship, I do not qualify for a loan modification.

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 2020-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I, XXXX XXXX, called Navient to make payment arrangements and I was told that its income base which is fine but the interest was 500- {$600.00} per month. Its no way the lender expected for me to pay high interest and make my payments I'm not rich! Something need to be done about this. More student loans can be paid back if it was a rip off. Something need to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called to simply INQUIRE about escrowing my taxes & insurance. I specifically told the agent this was an INQUIRY only. She said they would send information and I could decide then. They sent the information, I decided NOT to move forward. I called back and told them I would NOT be escrowing my taxes & insurance and I wanted to BE SURE NO CHANGES WERE GOING TO BE MADE TO MY ACCOUNT. The agent assured me there would be NO changes. She said they would have to receive signed documentation before they could make a change. 

On XX/XX/2020, they drafted {$740.00} plus a {$4.00} service fee out of my checking account WITHOUT MY AUTHORIZATION. I have called repeatedly and finally spoke to " XXXX in XXXX ''. She saw the phone calls and notes I sent and agreed with me, IT IS A BOA ERROR. I have since called back and sent an email but no one will call me back. It's still not resolved. 

THIS IS OBVIOUSLY ILLEGAL AND IMMORAL. HOW DO YOU NOT HAVE ANY CHECKS AND BALANCES TO ENSURE THE PROPER PAPERWORK HAS BEEN RECEIVED? FURTHERMORE, THEY NEED TO ALERT A CUSTOMER SOMETHING IS ABOUT TO CHANGE ON THEIR ACCOUNT SO THERE'S TIME TO CORRECT ANY POTENTIAL ERRORS. BOA DID NONE OF THIS. THIS IS A CHECKING ACCOUNT BEING DRAFTED. THAT'S A BIG DEAL.

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 monetary relief
Consumer complaint received 2020-01-15 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
I fell behind on my mortgage and was offered a trial modification in XX/XX/2018. I made all three payments and then discovered a foreclosure had been filed in XX/XX/2018. I had to ask several times for the permanent modification papers to be sent to me and when they were I did not receive them until after the date they were to be returned. I found out from relatives my home was up for sale and was never notified by anyone else of sale until a few days before. I am not even sure who my real lender is as in the past year I have had XXXX, XXXX XXXX and Loancare.

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 2020-01-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
applied for several credit cards including XXXX and XXXX. was told I am being denied because of negative info on my credit repport the companies received from experian. Asked experian for a copy of my report, they refuse to mail a copy to me unless I mail them a copy of my drivers license and other documentation. I believe the info they a re asking me to submit in order to receive my credit report which I am entitled to receive under the law when turned down for credit is illegal.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am requesting the credit card company provide all audio tapes from XXXX through XXXX to show I tried to cancel the card in XXXX, I took my ex off the card in XXXX. This information was confirmed to me in phone call in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
This item is malicious. I report them before and they went away, now they are back. I am a veteran and seventy percent service connected XXXX ; I get free healthcare for life from the VA. I am also on XXXX  since I live in a rural area not serviced by the VA. My insurance information follows : 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 explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 with phone calls. Each time I got their answering machine and was told my call would be returned  within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #.

Company response to consumer: Closed with explanation