vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, XXXX, Transunion for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, XXXX, TranSunion to correct their reporting of me - again, not late, but in a modification program.

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 2019-08-22 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: GA

Complaint narrative:
I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, Equifax, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact Equifax, XXXX, XXXX to correct their reporting of me - again, not late, but in a modification program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit 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 non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In violation of the Fair Debt Collection Practices Act, Commonwealth Financial just reported two collection accounts ( {$1700.00} & {$950.00} ) on my credit report without first supplying me with a 30-day notice to dispute. If I had received the proper notification, I would have certainly contested the validity of the debts. However, I was never given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: ThunderRoad Financial, LLC
State: SC

Complaint narrative:
XX/XX/19 I spoke with Manager from Thunder Road Financial out of XXXX, NV. She stated that the dealer XXXX XXXX was out of business. Thunder Road has been reporting to the credit bureaus that this account is late 120 every month over the years. I have not made one single payment in two years due to the fact they never sent me the correct title/registration for my motorcycle. SC law states that once you purchase vehicle/motorcycle you have 45 days from date of purchase to get registered. I've been calling from day 1 to get this information corrected. Long story short Thunder Road had me signed purchase contract and the contract has the wrong VIN number throughout the entire contract!!! This is a breach of contract from day 1!!! Now the manager will not accept any of my phone calls. They have been ignoring me since ... All I want is this inaccurate information off of my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I opened a dispute and received a claim # XXXX. On XX/XX/XXXX I  purchased an item through a merchant using my debit card through SunTrust. Originally, I attempted to resolve the dispute with the merchant. XX/XX/2019 I reached out to the merchant/seller and was denied my request by XX/XX/2019. On XX/XX/XXXX I filed a dispute with SunTrust and answered all the required questions by SunTrust about my dispute and attempts to resolve. Within 10 days I called SunTrust and was told I did not need to take any further action. On XX/XX/2019 the dispute was inaccurate closed and re-opened. SunTrust required a affidavit which was faxed XX/XX/2019. By XX/XX/2019 I received a letter from SunTrust asking for the third time for a description, " of what you were expecting to receive and how that differs from what you actually received, along with date mm/dd/yyyy of merchant contact and if possible an expert opinion from a neutral third party. I responded XX/XX/2019 and called today ( XX/XX/19) for an update. I was instructed that it would take another 60 days for a total of about 4 months to resolve the dispute.

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 2019-08-22 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: CA

Complaint narrative:
the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX in the evening I could not access online banking to make any online bank transfers. The online digital bank access was down for site maintenance until XXXX XXXX. As result, I was charged a substantial overdraft fee {$100.00}. The bank representative claimed there were no alerts to show site down but on my side, it was clearly down no access to digital banking. They were not willing to investigate with XXXX and not willing to reverse these fees as it is not my fault they elected to do system maintenance for over 5 hours leaving me the consumer crippled to conduct banking. First-Citizens Bank is not very consumer-friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit 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
Consumer complaint received 2019-08-22 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 just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been trying to open a checking account in CHASE BANK for my daughter, and failed. 
We are green card holders and my daughter has only a TIN and doesn't have a SSN. 
After almost two months of back and forth ( in which the bank said they have a technical issue ) - since the first week of XX/XX/XXXX - the bank says now that this is a policy decision and that they do not allow green card holders to open an account if they don't have a SSN.

I know that even foreigners can open an account in the US with a TIN, and I think it is discriminatory for the bank not to allow my daughter to have an account just because she has a green card and a TIN and no SSN yet. 
The bank would not even speak to me anymore about this at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX , XXXX XXXXXXXX

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 2019-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Amount XXXX Month for XX/XX/XXXX After extending the lease, no bank info or automatic payment info had been changed. 

For some reason given that everything remained unchanged other than lease term being extended, the payment didn't go through and was assumed as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XX/XX/2001 a court ordered Select Portfolio Services that I be removed from the mortgage XXXX XXXX XXXX XXXX, NJ due to divorce and the other party XXXX XXXX was to be the only one soley responsible for the mortgage. Select Portfolio Services replied that they don't take orders from a judge and that I would remain on the  mortgage. 

I have since filed several appeals with Select Portfolio Services requesting that I be removed from the mortgage at XXXX XXXX XXXX XXXX, NJ XXXX each one resulting in Select Portfolio Stating that I will remain on the mortgage until the home is sold or refinanced with another company. During this time XXXX XXXX missed 20 mortgage payments, went into preforeclosure twice ruining my credit rating and increasing the amount owed on the home to {$170000.00} which was allowed by Select Portfolio Services. XXXX XXXX was also allowed to sign into a foreberance agreement where they allowed XXXX XXXX to refinance within Select Portfolio Services without my signature or without my consent. 

I explained that if I'm the primary on the mortgage this should not have been allowed. They explained to me that all they need is one signature and they can continue to offer any of these agreements they want despite the court order. This has been a 19 year ongoing situation. I have done all that I can legal do to correct this issue and I'm asking for assistance from CFPB with this issue. I will do whatever I can to help with the resolution of this issue by CFPB. Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARSON BISHOP SERVICES, INC
State: IN

Complaint narrative:
The company I obtained my XXXX XXXX for did not do a thorough job writing out the diagnosis and recommendation. It has caused years of hardship trying to get insurance to pay for items needed for my XXXX, a required medical need. 
They are hindering this process yet again as insurance is now saying they will not approve any further medical equipment until they have a proper recommendation stating the type of machine needed and detailed information so that the correct machine can be ordered. 
Our current machine is obsolete. Therefore we have to now get a new machine. 
We have asked the sleep study facility for this information as it was not on the original recommendation and that is standard operating procedure. 
They are refusing to see me or provide this information saying we owe them money. 
We do not owe them money, we had a {$50.00} co pay and it was paid. Further, their company did not bill insurance and because that statue of limitations has passed they are trying to collect from us. 
We did not have a {$230.00} co pay we had a {$50.00} co pay at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Outsource Group, Inc.
State: VA

Complaint narrative:
delta outsource is calling about a XXXX XXXX XXXX and i tried to explain ive never had this and they hung on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I would like to have PMI removed from my mortgage. The lender told me in a letter that, if I want PMI removed, I would have to pay for an appraisal to determine if my LTV has reached 75 % or less. 

Isn't it true that under the Homeowners Protection Act a homeowner can request cancellation of PMI when the loan balance falls to 80 percent of the original home 's value? 

Original loan amount = XXXX Original home value = XXXX Current principal Balance = XXXX Estimated current value = XXXX I read that if the homeowner can demonstrate that the LTV is <80 %, PMI can be removed. My LTV ( after an appraisal ) should be 79 %

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 2019-08-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have check my XXXX and XXXX  credit reports and two accounts (XXXX XXXX and Barclays Bank) that I have paid off on XX/XX/2019 still showing a 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 2019-08-22 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: CA

Complaint narrative:
I have a collection account that does not belong to me and several inquires showing on my credit file that i did not authorize.

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 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CO

Complaint narrative:
XX/XX/2019at XXXX received a call from XXXX the man on the phone asked for my brother's phone number and address with no context. When asked what company/reason for calling the answer was "Alltran Financial and personal business matter"  The man gave me his contact info: XXXX XXXX XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX account is paid off on XX/XX/XXXX and is still saying owed on my credit . I would like this information to be removed from my credit because it’s inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied for a Citi American Airlines AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX and was approved the same day. When I applied, the terms and conditions on the XXXX website stated that I was not eligible to receive a new sign up bonus if I had received one within the past 24 months. The last time I received a sign up bonus was in XX/XX/XXXX. The credit card promotion stated that I would receive XXXX American Airlines miles after spending a minimum of {$2500.00} within 3 months. The promotional material I received with the physical card that was mailed to me stated that I would receive XXXX. I spent over {$3300.00} within the first two months and did not receive XXXX. I called Citi customer service on XX/XX/XXXX and explained the problem and they stated that I should have received the bonus but that they needed a supervisor to investigate why I had not received the bonus. They flagged it for review and told me I would receive another call within 2 days. After receiving no call, I called back and spoke to another agent. After investigation, the agent advised me that I was not eligible for the bonus because I had received a bonus within the past 48 months. She advised me to " XXXX '' the new terms and conditions that had since come in to place. I was able to follow her instructions to the Citi website and saw that Citi had changed the terms and conditions after my application was approved. I asked that they manually credit me the XXXX miles since I applied prior to the change and they stated they would not.

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 2019-08-22 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 have a collection account that does not belong to me and several inquires showing on my credit file that i did not authorize.

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