vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
To whom it may concern I have talked to the manager of the apartment of the situation that I have been in due to the loud noise of the people above me. 
Months and months before I decided to move out. I did come to the office to give my notice in advance and pay my due to the last day of staying. 
I didnt owe them anything The manager agreed to it. 
Please fix this problem and get it off my credit. 
I am trying to buy a house hope you understand Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Reference number : XXXX Case name : XXXX XXXX Case number : XXXX The detail of my complaint is as follow : I received a letter from Bank of Americas Legal Order Processing, indicating that they received a subpoena, summons, or both pertaining to the above reference case. As a result, Bank of America will release my financial records to the law firm. 

I called Bank of America and told the representative that the party has mistaken my identity for someone else, and Bank of America should not release my financial records. 

The representative said they were able to match my information. Again, I told the representative that I only have a checking account and after checking with the legal department, the agent said the social security provided by the law firm requesting my financial records is not a match. The number is for another person, not me, and is not a match. However, the agent insisted that Bank of America will  release my financial information per the law firms request. 

When I asked the representative to fax or email the county clerk authorized subpoena or summons, she refused. 

Please investigate this matter and inform me of the results. 

Sincerely, 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 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XXXX XXXX sent notices of pending foreclosure to an unknown address that has since been discovered. 
Caliber home Loan and XXXX XXXX sent legal notices to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When my then legal address was my home that was illegally foreclosed upon XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
WE have found all your Special delivery mailing to the above address my searching the neighborhood for past 2 years. 
I was not legal notified therefore, no amount of time can be claimed to negate this illegal and wrongful foreclosure. 
XXXX XXXX made a loan with XXXX on XXXX and my name was on a registered and recorded Quit Claim Deed XX/XX/XXXX. 
So Caliber you need to work with XXXX and return my home back to me as it still sits empty since XX/XX/XXXX. If you thouht you had clear Title, the home would have been sold. But since I AM LEGALLY IN TITLE THe home Can't be sold.. Want to negotiate?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: CO

Complaint narrative:
I had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had success.

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 2018-08-14 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: SC

Complaint narrative:
I was issued a Credit card by Steinmart with a limit of {$750.00} they upped it to {$1700.00} we paid {$250.00} on the balance which was above the minimum on a balance of {$650.00} and again paid another {$100.00} to bring balance down. Then the next we got a letter reducing credit limit to {$670.00} from {$1700.00} making my usage go fro 30 % to 98 % and reported that to XXXX XXXX which dropped my credit score from XXXX to XXXX because I paid too much of my balance. This is a crime! If I cancel the card it will further impact my score. I DID NOTHING WRONG! This a a bank that need to have a class action law suite brought against them for fraud!

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 2018-08-14 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: TX

Complaint narrative:
This is my third attempt with Experian trying to resolve this matter without involving legal action. May this complaint serve as legal documentation for litigation purposes. I have sent in several documents including my original police report to Experian about fraudulent accounts on my credit report and Experian has again recklessly failed to follow reasonable procedures to ensure the accurate reporting. I asked Experian to provide me with a reasonable answer to why and a method of verification in which Experian has failed to do so. Experian continues to show disregard for the FCRA. These accounts were opened as a result of identity theft and i provided this information with my police report to Experian but they have failed to remove these accounts nor have i received information as to why they continue to report these fraudulent accounts grossly effecting my credit abilities. Congress enacted FCRA in 1970 to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. Due to Experians negligence of this act, I'm unable to have fair market value in applying for new credit. My next step is to contact my Attorney General in this matter. Im a member of the XXXX XXXX serving my country proudly, to be a victim of identity theft and having a private company like Experian not comply with Federal Law. I feel i have been victimized twice in this matter. May this complaint serve as a legal document for litigation purposes.

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 2018-08-14 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: United Revenue Corporation
State: NY

Complaint narrative:
I have disputed this erroneous, inaccurate and unverifiable entry with United Revenue Corp on multiple occasions as well as disputed them with the credit bureaus. In my most recent communication to United Revenue Corp. dated XXXX18, I was specifically responding to their latest response ( see attached ), denoted as frivolous. There were not any parts of my previous requests that were frivolous. I was very specific in my request that they validate the debt they were alleging I owed. 

United Revenue Corp did not provide an agreement that stated their authority to collect on this alleged debt, nor did they provide an agreement with the signature of the alleged debtor wherein he/she agreed to pay the creditor ; verification that the debt was assigned or sold to collector, complete accounting of alleged debt and name and address of bonding agent for collection agency in case legal action becomes necessary. To no avail. This is very specific and counters their claim of being frivolous. In my letter dated XXXX.18, I was even more specific in requesting that they provide a copy of my signature with the provider of service alleging the debt to release my medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. To no avail. See attached return receipt that reflects United received my dispute and blatantly refused to respond. It has been almost 60 days since my request for the aforementioned documentation, yet they have failed to comply. 

It is apparent that United Revenue Corp is unable to prove the validity or accuracy in the 2 entries they are continuing to report as derogatory on my credit reports. To that end, these erroneous, inaccurate, unverifiable entries must be deleted immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX  XXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Financial Service Center of Ohio, LLC
State: OH

Complaint narrative:
I had a title loan with XXXX XXXX and for unforeseen reasons I fell behind, I stayed in constant contact with them to try and resolve my debt. On XX/XX/XXXX I was sent a text message from XXXX XXXX  advising that my vehicle had been put out for repossession. I called them immediately and agreed to a voluntary surrender of my vehicle. They told me to bring it in to their XXXX XXXX location to drop it off. I took the vehicle up to that location within 30 to 60 Minutes later and dropped it off leaving the key with the employees inside. On XX/XX/XXXX  XXXX XXXX XXXX ( XXXX ) took possession of my vehicle and transported it to their location in XXXX XXXX Ohio. On that same date XXXX did a condition report of the vehicle and sent it to XXXX XXXX.

On XX/XX/XXXX XXXX XXXX agreed to return My vehicle for the past due amount of {$640.00} dollars and refinance the {$3200.00} I owed. I choose to end my business relationship with them and cure my debt completely and paid the whole {$3200.00} that was owed. I was then instructed to go to XXXX and pay them a storage fee and collect my vehicle.

On XX/XX/XXXX I went to XXXX  to retrieve my vehicle, I paid {$80.00} to them and was sent outside to my vehicle. When I entered the vehicle, the key was left in the on position and the battery was dead, a tow truck driver there gave me a jump. When the vehicle started it was obvious that my exhaust had been tampered with because it was extremely loud. I instantly looked under the truck and noticed that my catalytic converter had ben removed. Cut marks on each of the pipes left behind showed a saw of some sort was used to cut away the converter. I spoke with XXXX and XXXX XXXX  and both took no responsibility for it. I was unable to drive the vehicle that day because nothing was holding the rest of the exhaust in place. When the exhaust was cut the muffler spun to about 45 degrees causing the tail pipe to hit up against the right rear fender of the vehicle. The pictures that was taken by XXXX XXXX  employee after the vehicle was dropped off shows the tail pipe sticking straight out from the rear and is obvious that nothing was wrong or missing at the tie the vehicle was dropped off.

The condition report that the auction sent to the finance company was listing a catalytic converter being present on the vehicle, according to the auction it was missing when they picked it up from the finance company. The pictures provided from both companies show that the converter was on it when left in their possession. The finance company claims they have no liability or responsibility to keep vehicles secured. This vehicle was stored for 4 days in the rear of their location with no fence or security cameras.

I had to pay {$1100.00} to fix the damage caused to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: IL

Complaint narrative:
Inaccurate hard inquiries customer service would not take care of the negative inquiries reporting to my credit report. Company - Trans Union XXXX XXXX XXXXXX/XX/2018. XXXX   XXXX XXXX - XX/XX/2018. XXXX XXXX  - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
AMEX has a lien against my property for someone elses name. I have left multiple messages about this with their attorneys office & they will not speak to me because their client is XXXX and I am XXXX. IT is my house in my name and I need this lien removed from my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP
State: NY

Complaint narrative:
Unable to access account funds and were told to come back another day. This has been going on for about two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.

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 2018-08-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing in regards to your response to our complaint ( XXXX ) with  Consumer Financial Protection Bureau ( CFPB ). I refuse your decision on the fraud as I will not be held liable for documentation with forged signatures. Please see attached detailed correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I got a synchrony XXXX XXXX account. I never signed to for a promotional interest rate. To defer interest. They said {$850.00} was due by XX/XX/2018. I did not apply for this deferred balance. I am getting 20 or more calls a day. They are harassing me. Now my card looks like Its over the limit. Im buying a house and this card is destroying my credit. I have never been late and I should not have to close out my account to get a reduced payment. I have a XXXX XXXX XXXX account and the minimum payment is over {$100.00} for 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 monetary relief
Consumer complaint received 2018-08-14 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX  XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XXXXXX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.

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