vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
AmeriHome Mortgage Delinquent payment home owners insurance last XX/XX/2020. Amount worth {$890.00}. They have been claiming that they already sent a check last XX/XX/2020 but my insurance company confirmed that they did not receive any check coming from my mortgage company and they have been communicating this problem to them but no action had been taken. AmeriHome hasn't replied to the existing problem. It has been a month and I would like to see some action taken. We have been going back and forth with this situation trying to get a hold of AmeriHome. Please I need someone to take care of my situation as soon as possible because this is going to cause a revoke on our home owner 's policy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a JCPenny Credit Card opened in XXXX that I had closed and completely paid off in XX/XX/XXXX. I had a improved credit report score by JCP synchrony bank in XX/XX/XXXX. I have since been getting a false credit report of {$13.00} charge and delinquent and derogatory account that is negatively effected my credit score every month since then. And the price increases by {$2.00} almost every month. I called JCP they no longer have any of my dates or payment information because the account was deleted. They said they could not help me. I have my account number and my social security and photos of all the false credit score reports. 

Starting in XX/XX/XXXX {$13.00} synchrony bank jcp XX/XX/XXXX {$15.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00}

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 2021-01-11 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: AUTOMOTIVE CREDIT CORPORATION
State: NV

Complaint narrative:
My account with Top Finance Co. was closed on XX/XX/17 and charged off. Top Finance Co continues to show this account as open. Top Finance Co. has subsequently increased the balance of this CLOSED ACCOUNT by {$100.00} every month for almost three years since this account was closed and charged off. As a result of Top Finance Co. fraudulently increasing the balance of this closed account, I have 32 late payments reported on my credit report for an account that was closed and charged off three years prior. This has occurred from XX/XX/XXXX-XX/XX/XXXX. Because Top Finance Co. has committed this fraud, this closed and charged off account currently reflects that it is delinquent or in collections ; having a SIGNIFIGANT impact on my credit report with all three credit bureaus. Top Finance Co. has also fraudulently reported 5 random payments on the account after the account was closed in XX/XX/XXXX and charged off, in which no such payments were ever made on the account. The term of the original loan before the charge off was 42 months, however Top Finance Co. has reported 70 months of payment history for this account because majority of the payment history was derived from their intentional fraudulent misrepresentation. All the foregoing is a violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter with Top Auto Finance , Inc. multiple times, however Top Finance Co. continues to violate federal credit reporting laws. 

I want ALL fraudulent information reported on my credit report after XX/XX/XXXX, when this account was closed and charged off to be removed with ALL THREE MAJOR CREDIT BUREAUS ; to include late payments, increased balances, delinquency, and collections. There should be no activity reported afterXX/XX/XXXX on the account with Top Finance Co. as the account was closed and charged off. The ONLY status that should reflect on my credit report for this account with Top Finance Co. is CLOSED/CHARGED off from XX/XX/XXXX. 

In addition to the above mentioned facts, Top Finance Co. has started to report the same negative erroneous information previously mentioned under a company name of Top Auto Finance , Inc. with certain credit bureaus. I did not realize this until I looked at my credit reports with greater scrutiny and noticed the slight variation in name. I have NEVER had an account nor signed a contract with a company called Top Auto Finance , Inc. Please reference CFPB complaint number XXXX. Please advise if I need to amend my previous complaint as I never had an account with Top Auto Finance , Inc., only TOP FINANCE CO.

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 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
My XXXX rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " Hayt Hayt and Landau P.L ''. No response after multiple days of calling and emailing. I then reached out to XXXX XXXX ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the XXXX XXXX agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " hayt hayt and landau '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to XXXX XXXX on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with XXXX that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.

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 2021-01-11 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: Mercedes Benz Financial Services
State: KY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any doc uments authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX/XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I reached out to this company to dispute this alleged debt. Over two months ago and STILL HAVEN'T received a response. Although I did notice they signed for it because it was sent through USPS Post Office certified mail. They have placed a debt as a charge off on my credit and are using deceptive business practices because they're ignoring my dispute! I disputed this account under Section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Last XXXX I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The mortgage on my home was paid off in XXXX of 2018. 5th 3rd bank has left the mortgage open and has illegally left a lein on my property. I am unable to obtain a loan against my property with another bank until this lein is removed. I have contacted 5th 3rd bank XX/XX/XXXX. XX/XX/XXXX XXXX and XXXX and nothing has changed. I have had the XXXX county recorders office send over proof of lein on XXXX and XXXX. According to ohio law the mortgage co. Has 90 days after loan is paid off to remove lein on property. My loan was paid off 31 months ago. I want lein removed from house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I REVIEWED MY EARLY WARNINGS REPORT AND I NOTICED SOME DISCREPANCIES ON MY REPORT AND I WOULD LIKE FOR THEM TO BE REMOVED FROM MY REPORT IMMEDIATELY. SEE ATTACHMENTS FOR REFERENCE AS IT CONTAINS SENSITIVE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
BOTH XXXX  AND TRANSUNION DROPPED MY FICO SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX XXXX XXXX  TO XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?

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 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have my pin from when I froze my Experian credit 3.5 years ago. 

I attempted to lift the credit freeze online, using their form, with my pin. The website stated they could not lift the freeze and requested I call them. 

I called Experian at their provided number XXXX XXXX XXXX, went through all the automated prompts, included entering my SSN and pin. It got all the way to the end, asked the dates I wanted the report lifted, and then stated I would have to mail in my documents to have the freeze temporarily lifted. 

I have lived at the same address for 8 years, and have no other complicating factors in my history that would cause this to be an issue. 

In doing research this appears to be commonplace with Experian. Many others have had similar situations. Apparently, if you sign up for their XXXXmonth " tracking '' service, you magically can unfreeze your credit no problem This seems unethical and downright fraudulent. You are apparently screwed if you don't freeze your credit, since these bureaus seem to be perpetually under cyber attack and risk of identity theft, and also screwed if you do freeze your credit, as it is irreversible.

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 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have cash in my account. I want to withdraw it to my bank account. The site says only a fraction of the amount in my account is available for transfer. This has been the case for a week. It will not allow me to withdraw money that is clearly in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Bank of America account was hacked through XXXX. On seven occasions XXXX2020 and XXXX/XXXX/2020 unauthorized withdrawals were stolen from my account via XXXX for a sum of {$1000.00}. The Bank is doing the investigation and has up to 45 days to complete meanwhile my money is tied up. The bank won't replace the money that was already in the account before it went to a negative balance until the investigation is over. Aren't they insured by the FDIC? Why won't they replace the money that was already in the account immediately after I informed them that I was scammed? I also didn't have overdraft protection on my checking account, and yet the bank allowed my account go into a negative balance. I first noticed this scam on XXXX/XXXX/2020. I have since filed claims with both XXXX and Bank of America. They are still trying to use my information to open up banks, cash card accounts, etc.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: NY

Complaint narrative:
I currently have an account with Self XXXX XXXX. I look at my Credit report from XXXX  on XX/XX/2021 and it stated by Balance decreased by {$21.00}. I then, called XXXX  to find out why my score decreased. The customer service rep mentioned she not sure why this happen it should not happen. She stated im on time with my payment and don't owe any thing. She direct me to call the FTC. I called the FTC they told me to call Self Lender. I was on hold for an hour then hung up on. 
I have no late payment with Self. incorrect inform was provide to XXXX. I been on time with my payments. My score drop 41 point because of an error. This need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XXXX/XXXX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 2 months and I still haven't received results of an investigation.

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 2021-01-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I have a major problem with EQUIFAX and I need to dispute a few things on my Equifax credit report. Ill start by Verifying my identity. Name : XXXX XXXX Birthdate : XX/XX/1995 Social:XXXXEmail : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , California XXXX . On my Equifax report isnt updating correctly so I need to dispute some items. XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXX - {$2000.00} XXXX XXXX - {$420.00} Those account I listed above were removed from all my credit reports except for Equifax, they need to be disputed and removed. Theyve also been on my credit report longer that 7 years. Ive already faxed you guys 10 times. I dont know where my faxes are currently going. Please give me a call. I also have accounts that arent being listed on my credit report either they are : XXXX Balance : {$270.00} Credit Line : {$1000.00} XXXX  XXXX Balance {$150.00} Credit Line {$600.00} XXXX XXXX  Balance : {$510.00} Credit Line  {$3400.00}. XXXX XXXX Credit Card that Im an authorized user for and have been for over 4 years, credit limit XXXX, balance XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information, because these accounts are not mine. I have never signed anything like this and I do not recognize. Please check there my personal information as I believe its a huge error in personal data and identity theft. Please remove it as soon as possible. These items killing my report.

Company response to consumer: Closed with explanation