vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
An XXXX XXXX XXXX company sent my information to road loans and ran my credit without my consent placing inquires on my credit report. I called XXXX XXXX XXXX and they would not help me, were rude and hung up. I contacted road loans via email and they refused to remove the inquiry, stating that they could run my credit as many times as they like. This is illegal. I am in the middle of a bankruptcy and can not have some scam sources running my credit. I have also contacted my attorney. 
Companies info : XXXX XXXX XXXX XXXX XXXX Loans XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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:
Yes I contacted the XXXX  today XX/XX/2019and before too and they told me that they didn't any reports because my loan are in stop payment until XX/XX/2019. Also they Sayed that not understand why my loan are like that because they never reported. All is related with students loan. And they recommend that contacted the Experian. I am calling many time but nobody answered.. the only I need they check that information and remove thatThanks!

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 2019-08-19 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: GA

Complaint narrative:
The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX   bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX   which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

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 2019-08-19 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: GA

Complaint narrative:
The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX  to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: GA

Complaint narrative:
The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.

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 2019-08-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I check my XXXX credit report 7 days a week and continue to monitor it and there where two inquires with sync/walmart bank I didn't  authorize and I called syncormy bank and told them about it and they haven't done anything but would contact XXXX to have it removed and I also contacted XXXX ( the worst credit bureau) ... and the fraud dept haven't done nothing about it and each time I filed a complaint on this bureau they would reply to the CFPB ' HE IS A VICTIM OF FRAUD' That is so XXXX ..... and XXXX  haven't been removing some of the inquires off my credit report that are marked fraud and it shows that I have 12 of them and I should have at least 4 vaild inquires which are XXXX XX/XX/2019XXXX XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XXXX XX/XX/2019 walmart/syncb has two fraudulent inquires on XX/XX/XXXX twice

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 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/2015, my home, XXXX XXXX XXXX, XXXX Georgia XXXX was sold at foreclosure sale.  At the time of the sale, my mortgage reflected an amount of $XXXX.  The property was sold for $XXXX.  As such, there remains an overage of over $XXXX.  This was my primary residence.We have requested an itemized listing of all costs and fees paid as a result of the foreclosure sale of the property.  We have also requested a listing of all legal fees, disposal costs and federal, state and local taxes paid as a result of this foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
SPECIALIZED LOAN SERVICING has refused to report my mortgage tothe credit bureaus because they say since I had a bankruptcy (that did not include the mortgage being dismissed and we kept paying on the whole time and still pay) they will not report to the credit bureaus for the lifetime of the loan and I have to pay it off before they can report it. I told them it didn't make any sense. 1. My loan had been with XXXX XXXX for over 16 years and they never stopped reporting to the credit bureau. We even restructured our loan several times and everything was reported. 2. Bankrupties should not keep them from reporting to the bureau. Especially after discharge! My bank is the one who told me it wasn't being reported. I am never late and it is auto drafted. I spoke with a supervisor and she said all she could do was send a verification that I make my payments on time. I said that is not good enough for the bank and does not help my credit score, which btw would be higher if it was being reported. I told them I need a statement from them stating the issue so I could show my atty. They transferred me to the "bankruptcy" dept. Which is actually a 3rd party vendor named XXXX XXXX XXXX and they said I have zero file there, the supervisor was wrong to send me there, and the fact they were not reporting me was completely wrong and that is not how bankruptcies work. I have no idea what to do but don't think I should have to pay my atty to get involved. Please help!

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 2019-08-19 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: FL

Complaint narrative:
I Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts

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 2019-08-19 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I applied for the XXXX XXXX with a credit score of XXXX and I got an apr of almost 24. Where’s the justice in that?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Signed up for the Amazon Credit Card as they heavily advertise it. Upon being approved for the card they allowed me to start using it before the card was physically mailed to my house. Unfortunately, you can not signup for auto-bill pay or register an account with the website until the card physically arrives at my doorstep. 

No problem, a few weeks later it arrives, I create a login on the website and immediately sign up for Automatic Bill Payment. This is done successfully and I quadruple check that my payments pay off the full balance ( not just minimum ) during each statement ( like I do with all my accounts ). 

Today, XX/XX/XXXX, I found out my payments were being declined. The Synchrony Banking websites are all broken, and all seem to take you to different portals so I called the 800 number. They confirmed that I signed up for auto-pay but they said " some '' payments ( especially the first ) will not always be automatically billed and need to be manually submitted. Thus, my first payment was never actually paid, and my account is now " delinquent '' and fees + interest accrued. 

It took a lot of time but I was able to pay the balance, get the fees + interest reversed and close the card, however, this is not enough. Their billing practices and customer support are highly suspicious, asking multiple times ( on the same phone call ) for sensitive PII even after I had given it through the automated system AND to the representative on the phone. Additionally, I have never heard of an account not allowing automatic-bill pay in such an inconsistent manner. This should be fixed and should be in massive letters when signing up for auto bill pay that it doesn't work as the customer might imagine.

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
My son went to the hospital and they used old information in the computer.I haven't been there and he has not been on my insurance in many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America credit card from XX/XX/2017, recently I received a letter from Bank of America stating that they closed my account. The reason for closing my account was that they received information from XXXX. I have a membership with XXXX  that I check my credit record with regularly. The time that they closed my account I did not have any suspicious activity going on with my XXXX account. I contacted Bank of America multiple times to find out why they closed the account, the only thing they said is that the letter we sent you should already explain the reason. I tried to get information from them on how to reopen my account. I contacted them 3 different times and spoke with 3 different people and got 3 different answers. Once they said I am welcome to reapply to reopen my account, they said I would get a soft inquiry which won’t hurt my credit and then when I agreed they wanted to transfer me to a different department that could help me further. When I spoke with that department the representative was very rude and gave me a totally different approach on the issue. He said when reopening my account I will get hard inquire. My main concern is why has my account been closed, and they could not give me a decent answer. Then I called them back a couple of days later and each time they gave me different information and answers. By this point I’m complaining to see if the problem is on my side. By law they have a give me a reasonable explanation on why they closed my account. I can submit my XXXX credit report so you guys can see that everything is normal. By law in the credit card agreement it does not state that the bank can just close your card anytime they like.

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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH Mortgage services located in XXXX New Jersey recently took over my loan from Ocwen I received a package from them regarding a loan remodification I promptly filled it out and attached supporting documents I mailed this to them USPS XX/XX/XXXX 10 days after the issuance I followed up with PHH and was told they had not received my documents I called the very next day and they verified that they had received them and that they were in the process of uploading them with a 24 to 48-hour window were there modification team to review at this time I was instructed the active foreclosure would be on hold for up to 30 days as they review the documents on XX/XX/XXXX the phone call was noted completely incorrectly as its stated above-mentioned context of our conversation and went on to say in the notes that the mortgage company attorney had the paperwork for the loan remodification there was no discussion in this 2 minute phone call regarding this attorney or any prior knowledge at all regarding this fabricated phone Note I subsequently proceeded to escalate this through their management process where I spoke with XXXX  agent ID XXXX   XXXX instructed me to fill out the new form that he would provide me via email and assured me that he would listen to this XX/XX/XXXX 2 minute phone conversation noted above and get back to me with his discretion I have to the state not receive an email nor have been advised my loan number is XXXX furthermore I have just received the docket for my foreclosure as they are clearly enhanced this foreclosure process by skipping this critical step of loan modifications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a credit inquires from bank of America on my XXXX credit report and I didn't not fill out a application with them and I called bank of America and told them to close down that application and they did but the credit inquires that was done on XX/XX/2019 is still remains on there and bank of America kept transfer me to dept to dept and haven't done anything to resolve my issue I believe there was a application for cash reward credit card and I never submit it and I'm asking bank of America to remove this inquires that was done on XX/XX/2019....

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I received a collection attempt from HCI collections dated XX/XX/2019 for goods or services that I never requested. I mailed HCI a letter via certified mail saying per fair debt collection act they have to prove that the bill is mine. They sent me a copy of "itemized bill" with someone else's name on it and consider that to be proof, and they are notifying the credit bureaus to affect my credit score. They have absolutely no proof that I requested these goods or services. They have to prove it, I don't have to prove that I didn't. P.S. I worked that day, all day. The company responded with the below information but I don't have a XXXX XXXX policy. XXXX is also attempting to collect this from my wife. It's not identity theft, they are clearly trying to collect the wrong thing if they don't even have the right insurance or responsible party. Please do something about this instead of saying "well they say he owes it so he owes it".Company's ResponseMr. XXXX, The account in question, per XXXX XXXX   records, is for your son XXXX XXXX. The insurance used was your XXXX XXXX policy. He arrived at XXXX XXXX on XX/XX/2019 and was discharged at XXXX XXXX on XX/XX/2019. It appears that your wife XXXX   XXXX  was the person who brought your son to XXXX XXXX. XXXX even reached out to XXXX XXXX on XX/XX/2019 asking that an itemization of the charges and explanation of benefits from the insurance be mailed to your residence. These two documents were mailed out on XX/XX/2019. We have requested the condition of admission from XXXX XXXX and will mail you a copy once it is received in our office. If neither is your wife or son, then we ask that you fill out the attached ID Theft Packet and return it to our office. Thank you 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 2019-08-20 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: Equidata, Inc.
State: IL

Complaint narrative:
I contacted XXXX because I was turned down for an apartment because my credit report had conflicting information concerning my age on XX/XX/XXXX. I requested that my age be updated. I was born in XXXX  however my age is listed on the report as XXXX  yrs old. I received a decision in the mail on XX/XX/2019 stating that the investigation was updated to show my year of birth as XXXX and my age was XXXX. Called on XX/XX/2019, explained the situation, the representative apologized and stated that my age will no longer show on my report only my date of birth of XXXX.Received another letter stating that investigation was complete and my age is XXXX years old onXX/XX/2019Called again the explain the situation, this tie asked to speak to a supervisor and was told that ‘‘tis issue would be updated. Today is XXXX XXXX and I am not confident that this issue has been resolved, mean while the apartment complex is waiting for the updated information as they could not identify me based on conflicting ages/ year Born on my credit report and the apartment complex stated that they never seen anything like this before and that that was the only thing stopping me from getting the apartment.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-20 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:
I Have been a Victim Of Identity Theft. My Identity was stolen, I did not Authorize these Fraudulent Accounts

Company response to consumer: Closed with non-monetary relief