vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NDS, LLC.
State: CA

Complaint narrative:
I want to refinance the property where I live from XXXX in XXXX XXXX & found out lien against me file by XXXX XXXX XXXX XXXX XXXX & recorded on house , which I owned in XXXX XXXX & never used for living. That company never provide to me any legal documents & information about that lien. 
When I call XXXX XXXX, I found out that he collect debts for XXXX XXXX, which I owned {$1000.00}. His Abstract of JUDGMENT, which he file on XXXX show amount {$3500.00} & his demand in Escrow show {$5500.00} plus additional interest for each next day. When I found out about this & call to Mr. XXXX to resolve that issue, he told me, because I need to do refinancing, he can charge me as much as he can. 
I did remember, XXXX XXXX  send me a letter, after entering into agreement with the US Consumer Financial Protection Bureau on XXXX, State Attorney General and the office of Controller of the Currency on XXXX. XXXX taking certain steps regarding my account and no longer try to collect money or file any judgment against me. 
I didn't understand why XXXX put lien on property, where I never live & brake a government rules.

Please, help me received relies on this judgment ASAP, because everything done for my refinancing except this issue. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: NY

Complaint narrative:
the account in question was opened 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 explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA is ignoring instruction from XXXX to remove a collection account that has already been proven the result of identity theft. XXXX has proven that they have continuously notified EOS CCA since XX/XX/XXXX that my account has been established as fraud and to withdraw this collection. I have repeatedly called EOS CCA throughout this week, and they continually refuse to acknowledge that their CONSUMER RELATIONS DEPT. has any receipt of instruction from XXXX to close the account. EOS CCA continues to pursue my payment of a debt that I do not owe and has long ago been established as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposit XXXX dollars in cash on the XX/XX/2019 To cover 2 checks it was at XXXX XXXX I called to ask why they charged me to overdraft fees Pnc Bank told me that after XXXX XXXX  it doesn't count for same day I said my receipt says it was the same day And it was deposit at there location So I want my 2 overdraft fees returned

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TX

Complaint narrative:
XXXX an inquiry was done from XXXX  XXXX , no address listed in XXXX XXXX , NJ XXXX. I do not have a motgage currently, nor have I applied for any type of mortgage loan with ANY company. I believe my information has been compromised, as this is not from me! 

XX/XX/2019 and XX/XX/2019 an inquiry was made from the same company XXXX XXXX XXXX with no address listed in XXXX, MD XXXX. I have no such knowledge of this inquiry or company. I reached out to this company to obtain information on who they were and how were they able to use my information for a credit inquiry two times, with no valid response. I believe these inquiries are a result of my personal information being compromised as this is not from me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: NY

Complaint narrative:
the account in question was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with XXXX and Trannsunion.I used the score simulator offered by XXXX   and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as XXXX XXXX and believe I am being penalized for not taking the action they want.

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 2019-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with Equifax and XXXXI used the score simulator offered by XXXX   and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as XXXX XXXX  and believe I am being penalized for not taking the action they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
XXXX XXXX, XXXX. 
In XX/XX/XXXX I bought a home in an over-55 development and took out a bridge mortgage until I sold my other home. 
The original mortgage was with XXXX XXXX, who then sold it to XXXX. I was notified on XX/XX/XXXX. Then, I was notified that LoanCare LLC would begin collecting my payments on XX/XX/XXXX, and thereafter. 
The sale on my original home closed XXXX XXXX and on that date, I sent a FAX to LoanCare LLC asking them to please send me the amount of the payoff effective XXXX XXXX and my bank would wire the money to them. 
To this date, I have not received a quote. The most recent email from them, dated XXXX, said : Please note duplicate inquiries may prolong your time for resolution. And lastly, Please allow 3 business days for your payoff quote to be processed. 
I filed a complaint with the XXXX XXXX XXXX and on XXXX XXXX they forwarded a letter from XXXX XXXX, who says he represents XXXX. He has instructed LoanCare LLC to investigate my concerns. Ive heard nothing to date.

Im sure that a substantial amount of interest has built up, which I do not feel I should have to pay considering I have done everything correctly and in a timely manner.

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 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bayside Capital Services, LLC
State: NV

Complaint narrative:
On XX/XX/2019 I was contacted before XXXX XXXX and told they would serve me a legally required notice by Friday. They could not provide my address, their name, or the debt. They said they were from Bayside Capital. They also called a relative of mine to inquire about me and spoke about the debt. Number they called from was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Didn't receive my XXXX security service promotion for XXXX dollors made a payment for a {$100.00} that was not credit my card was stolen i never received another card i call over 50time every the problem was solved but that trasfer me to different departments no answer for removing the bill XXXX  conside it to be fraud and it was a XXXX balance

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number ****1571. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I've received multiple written notices and calls from Sequium Asset Solutions regarding a {$600.00} debt to XXXX XXXX that I don't owe. I have contacted XXXX XXXX to confirm that they don't have any collections against me and they do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at XXXX XXXX XXXX. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX   Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named Portfolio Recovery which the XXXX XXXX accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted Portfolio Recovery as well. XXXX   agent and myself contact XXXX XXXX and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with Portfolio Recovery and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
The problem I have is that I cant waive any missed payments I went through a situation and the store I worked at got shutdown so I lost my job and missed some payments Ive been with the this bank for more than 3 years and Ive been making on time payments except for 4 This is 4 payments out of 40 payments Im trying to fix my credit score but by them not helping me waive the missed payments i cant fix it Its a night impact since its an active account Plus by not helping me they know for a fact that I cant refinance my car and kind of forcing me to keep paying the same rate which is more than 21 %, its so much and its killing me Please help me fix this problem I cant even rent an apartment with my score now, I didnt know anything about how credit score works Its a huge struggle for me now and I have to move to a different apartment in only 2 months I need to fix this as soon as possible Ill even pay for any service that would help me get out this situation Thank you so much for reading this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie mae reps lie about offers to resolve your account, when you tell them to put any offer in writing they claim they cant do that .. thats not truth in lending. The reps are trained liars, they know how to break the law, without punishment,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: KS

Complaint narrative:
We entered into a loan with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX to refinance a XXXX XXXX XXXX. We have faithfully made all our payments on-time and have often paid an additional amount using the " Additional Principal '' designation on the payment coupon. Our goal is to pay the loan off early. 

On XXXX XXXX,, 2019, during a review of our account, we noted that the bank had not directed the additional amount to principal, but had applied a portion of it to interest. We have made this additional principal for years. The coupon clearly gives the impression that Principal Only payments are accepted. And for years we have been led to believe we were getting ahead with this loan. 

When we contacted Customer Service, we were told that the bank doesn't accept Additional Principal payments, despite that designation on the payment coupon. We also were told that to make a principal only payment, we would have to submit it in a separate envelope designated " Principal Only. '' We pointed out that the website clearly indicated that we had no payments due and were up-to-date on all our obligations. We believe this bank has intentionally misled us and is in violation of our loan agreement. We believe they have applied thousands of dollars designated for Principal to Interest, in violation of our loan agreement, and the directions we were given by bank personnel. Agents refuse to discuss this issue with us, telling us we have to make a personal trip to the bank.

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 2019-11-14 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Bank is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. Ally also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} Ally has repeately misrepresented this account with all three credit reporting bureaus.

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