vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.

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 2019-08-29 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that GM sent clearing my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise credit services continue to call me to collect a debt from XXXX XXXX. After being told to not call me again. They call multiple times a day and do not identify themselves until asked where they are calling from.

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 2019-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: NY

Complaint narrative:
XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.

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 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
Debt Recovery Solutions is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from Debt Recovery Solutions. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: NY

Complaint narrative:
My credit report is LOCKED ( not frozen ) and Experian DOES NOT PROVIDE ANY WAY TO UNLOCK IT. 
My request for a credit limit increase at XXXX is being denied because of this and I will never be able to apply for a new credit card. 
The lock was probably put on decades ago after my purse was stolen. The Experian website has a provision for freezing and unfreezing but not for unlocking. Their PHONE NUMBERS DO NOT PROVIDE ANY WAY TO REACH A PERSON nor do they have any option for unlocking. Freezing and unfreezing on the website gives me an error saying that my credit report is locked but seems to complete the freeze/unfreeze. ( A second attempt says that the file is already unfrozen ). The phone unfreeze option confirmed the unfreeze ( confirmation number XXXX ). After each of these unfreeze actions, XXXX attempted to get into my credit report but was still unable to. 
Experian has a product called Experian CreditWorks Premium which has a sub-product called Experian CreditLock which allows you to lock your credit file. I tried to enroll in Experian CreditWorks Premium in hopes that I could unlock it there. My enrollment was rejected because it said it could not verify me. Presumably that also was because my credit report is locked.

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 2019-08-29 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: NY

Complaint narrative:
XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.

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 2019-08-29 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Previously I had a complaint against Synchrony Bank where 6 inquiries appeared on my credit report which I did not authorize. An investigation was done and found in my favor. Synchony Bank sent me a letter dated XX/XX/XXXX, stating these hard inquiries would be removed. The dates of the inquiries were as follows : XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 The letter stated the updates to my credit report may take up to 60 days. At this point, it is well past 60 days and two of the inquiries are still on my report. The two inquiries still showing on my credit report are XX/XX/2017 and XX/XX/2017. 

I need these removed right away as these inquiries were deemed the actions of fraud in early XX/XX/XXXX. I am trying to get my credit report in better standing and feel I have waited well beyond the amount of time expected. I have also attached a copy of the letter from Synchrony Bank stating these would be removed.

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 2019-08-29 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:
On XX/XX/XXXX and XX/XX/XXXX I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Validation on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX to VALIDATE which they never response to this unknown account. XXXX properly investigated and deleted off my credit report on XX/XX/XXXX. Experian refusal to properly investigate or properly mark this account as in dispute as is in  violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX   credit report and a copy certified mail to XXXX XXXX XXXX. Experian concluded that the monthly payment and balance is accurate and verified when I did dispute. Clearly its incorrect because a auto car loan can not have a monthly payment of {$0.00}. They verified that the balance of {$15000.00} is accurate. They also verified that I pay {$8000.00} on this account on XX/XX/XXXX. So if I paid {$8000.00} on this account why is the balance is {$15000.00} when Experian verified that {$20000.00} was written off? Which under FCRA is inaccurate and must be DELETED because the balance and monthly payment is is reporting inaccurately. FCRA states to put on a Consumer report everything must be 100 % accurate and correct!!!

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 2019-08-29 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 DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
The balances and information that this collection agency is reporting is inaccurate. The same original creditor is reporting two different balances and the two separate charges for the same thing ( two separate amounts ). I've reached out to the collection agency and the original creditor to resolve issue. Original creditor can not tell me what the balances are. Regardless of terminating lease early, they can not verify what the balance is for and what the other collection company is collecting for. Of course the collection agency is going to stand firm that the information is correct, it is not! I will be seeking legal action against these people.

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 2019-08-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX was discharged in Chapter XXXX. XXXX bought this loan and is now reporting on my credit report. Experian and XXXX have corrected this with your help and now I need to have experian do the same

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: GA

Complaint narrative:
On XX/XX/2019, I received a credit alert from my credit monitoring service stating that I had a new collection reported to my account. When I viewed the alert the collection was placed from a company called ACCOUNT CONTROL TECHNOLOGY, opened XX/XX/2019 in the amount of {$4800.00}. 

First, I have no knowledge of this debt and have not opened any accounts with this company in XX/XX/XXXX or ever. 

Second, the company that claims I have a debt, has never mailed me a letter stating that the debt existed, they did not allow me the option to verify and validate the debt, nor did they state they were even attempting to collect a debt. Instead, they simply reported this inaccurate, non-verified information on my credit report ( screenshot attached on how I was made aware of the debt ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
See below, this person, whom does not even speak proper English, whom I can understand, is refusing to communicate with me via email, thus will not be dealing with this person ... ..so there needs to be someone that actually can refund the retaliatory fees B of A imposed and close this account as I want nothing to with B of A whom engages in discrimination and retaliatory fees being imposed for protected XXXX individuals. This will also be addressed by California DEFH, whom protects our class of individuals in California and I will go to all the XXXX centers to insure that they do not do business with B of A whom systematically engages in discriminatory practices. 




Enterprise Resolution XXXX To : XXXX XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ) . 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 

Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday, from XXXX XXXX  to XXXX XXXX. Pacific. 

I look forward to assisting you. 

Thank You, XXXX XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX Extension 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 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was sent a letter stating my account had been closed due to return checks. I was told when I called your customer service department in mid-XX/XX/XXXX that my account was under a security alert as someone had compromised my account and they had placed a security hold on my account. Once I found this information out I stopped the checks as I thought my account had been compromised. I later get a letter stating my account was closed due to the checks being stopped yet I never got a letter, call or email as to why my account had a security hold and the explanation of such. I took action as anyone who thinks there account has been compromised. I always have made my payments on time. Even now I have made each payment requested. I want my account re-opened as I was never informed or given an explanation as to why my account had a security hold and what a security hold was. I simply took it as someone had compromised my account and acted accordingly. Please review this letter and statement so as to re-open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I made a large XXXX deposit to my business checking acct. 
It was drawn on an out of state checking acct which had local branches. In the past my bank manager told me to deposit such a check in their ATM so it would clear overnight to which I did. I immediately got a 10 day hold placed on it. 
The person who wrote the check immediately checked his bank 24 hrs later and spoke with his bank and they confirmed the check cleared and Bank of America was in possession of the funds. 
I went into my branch to explain the situation and they were not helpful and tried to tell me they had to hold he money in case it was returned in which that's ridiculous or the money wouldn't have been paid out in the first place. They also told me their policy on check deposits changes aprox 10 days ago and that's why they can do what they did. I asked XXXX the XXXX, Me branch manager as to why their business customers were not notified as to a change in deposit rules and she told me " They don't have too '' which I believe is a violation in banking rules. 
The deposit was made on XX/XX/XXXX and cleared into BOA on XX/XX/XXXX. After my discussions with them they agreed to let me have my deposit on XX/XX/XXXX. 
This has happened before and it isn't right, when I can show the check has cleared they should release it immediately with out a fight over it. Instead they are purposely holding it for interest bearing reasons

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 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: WA

Complaint narrative:
I sold a property to a buyer on XX/XX/2019 after he provided a Credit Approval Letter from Fairway Mortgage Co. dated XX/XX/2019. The property was XXXX XXXX of a formal plat scheduled to be final in mid-XXXX. The seller of the property was to be paid-off in XX/XX/XXXX and the Credit Approval Letter had two pages representing " certainty '' of the buyers funds. At the end of XXXX, the buyer and seller signed at escrow and the funds were wired to escrow. Within an hour of wiring funds, Fairway M.C. contacted escrow and told it to hold the recording. On XX/XX/XXXX, the Senior Mortgage Advisor emailed escrow saying the buyer was not approved for the loan so the lender requested a reverse wire and the sale was terminated. We had ample time to sell the property but accepted the offer from this buyer based entirely on the guaranteed Credit Approval from the lender. I was forced to obtain a hard money loan that would close on time to pay-off the seller. This loan has a {$7500.00} fee and 12 % interest with a minimum 4 months interest charged equaling {$22000.00}. I contacted the Branch Manager,  Mr. XXXX XXXX over the phone and sent 3 emails showing the Credit Approval Letter and emails between escrow and Fairway at the end. There has been no reply to the email and no follow-up phone call as discussed. Mr. XXXX 's phone number is XXXX and his email address is XXXX fairwaymc.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from XXXX XXXX XXXX. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: IL

Complaint narrative:
Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.

Company response to consumer: Closed with non-monetary relief