vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, I have a complaint I need to file against Macys. I have disputed this account  XXXX  times and all  XXXX  times Macys has verified the information to be accurate per the credit bureaus. I have been trying to get in contact with the creditor who is verifying this information for three days and everyone including Macys is saying they dont have the account anymore.   XXXX   XXXX  , 2017 I looked at my credit report I received in the mail from disputing information on my credit report and called Macys (   XXXX   ) to settle the account. They informed me that they dont own the account anymore and for me to call Citibank (   XXXX   ) which is also known as Macys recovery department. I called Citibank and spoke with a collection agent named   XXXX   ; she informed me that they dont own the account anymore.   XXXX   told me to call   XXXX   XXXX   (   XXXX   ) ;   XXXX   XXXX   told me they dont have the account anymore.   XXXX   XXXX   then gave me an invalid number   XXXX   which they said belong to  XXXX .   XXXX   XXXX  , 2017, the exact same thing happened. I ask to speak to a supervisor or a Manager for all  XXXX  agencies and nobody could tell me any information regarding this account. Macys manager refused to get on the phone.   XXXX   XXXX  , 2017 the same runaround happened again, but I was on a three way call with my realtor because they couldnt believe what was going on. She witnessed the exact same thing happen live on the phone. Could you please look into this situation because I am trying to close on a house and it is blocking me from doing so. I believe this account should be deleted because I tried to settle it but no one wanted to take my money because they dont have any information on the matter!

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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am being harassed by Equifax, they are intentionally showing payment status as unknown for accounts and adding information to my file that was previously removed. Equifax just added a tax lien on my report that was previously removed. The tax lien should not be on the file as the national consumer protection act requires that these items be removed. Equifax is working in concert with  XXXX  with the same type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
we tryed several times to refinance or loan modification and was turned down they stated that they just werent interested in doing that we pleaded to them because we could no longer make the high payments because my spouse was no longer able to work, and our saving were gone so we couldnt make the payments. my wife got into a car accident and couldnt work for 3 months and we fell behind in our payment we got some what back on track and tried to make up the payments and couldnt get statement from them to get money from 401k hardship fund by the time they complied we didnt have enough to cure all the cost, we sent them  XXXX  dollars the amount thet quoted us in writing to make up the payment, then said we owe more, and they were going to foreclose in   XXXX   XXXX   2017 we just want a payment we can afford to live in our home im applying for SSi im  XXXX  years old and hopefully they will grant it, we have no ideal whats going to happen now so any help would be a   XXXX   send.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a chapter  XXXX  Bankruptcy and  XXXX  public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX ,  XXXX , Experian, Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to  XXXX  and Experian asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX    accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX  & f  Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years .

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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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 — Investigation took more than 30 days
Company: Westlake Services, LLC
State: MD

Complaint narrative:
XXXX   is not reporting one year of payments on my Westlake Financial account. The Westlake account is reporting accurately with  XXXX  and  XXXX  so I find it hard to believe that Westlake is reporting it incorrectly to  XXXX . I 've requested for this concern to be corrected and  XXXX  played me as that they are reporting what is being reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of  XX/XX/XXXX  I received a Experian copy of my credit report with no credit scores and there is still  XXXX  Hard Inquiries from 1.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX  ,  XXXX , Utah. XXXX .  XXXX   Dated  XX/XX/XXXX .
2.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   , Texas. XXXX . (   XXXX  .Dated  XX/XX/XXXX .. ( Unauthorize Hard Inquiries ) 3.  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , Texas. XXXX , Dated  XX/XX/XXXX  . ( Unauthorize Hard Inquiries ) Why Experian did n't delete this Unauthorize Hard inquiries fro my credit reports.
Also my Experian credit score has n't be updated, as of  XX/XX/XXXX  my Experian is very damaging at  XXXX ..
 XXXX   XXXX .  XXXX   XXXX .
 XXXX  and  XXXX  has n't deleted all the unauthorize hard inquiries from my credit reports.

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 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.

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 2017-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, ( Equifax,  XXXX ,   XXXX   ) I contact   XXXX   XXXX   but they could not trace any information. neither they would able to help me the issue please refer to credit report attach, I have tried to fix the problem with the credit bureaus but no luck please see Equifax response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is a long story that started with a Ch. XXXX BK in XXXX. BK ended in XXXX XXXX. My original mortgage was in XXXX just before collapse of real estate market with XXXX. The mortgage moved to XXXX, then to XXXX XXXX XXXX XXXX, then a shady secret account called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then to a collection agency : SPS ( Select Portfolio Services ) and now since XXXX XXXX with XXXX, but XXXX still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When XXXX transferred it to XXXX XXXX XXXX  they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In XXXX. Yet, after BK was over and SPS took over they kept claiming I owed anywhere from $ XXXX to $ XXXX in unpaid mortgages they couldnt quite get their numbers straightXXXX morning XXXX they called at XXXX XXXX telling me they were going to foreclose on my home. Lovely XXXX gift.. ruining my XXXX. in XXXX, they started cashing my checks electronically from XXXX XXXX which somehow, I never got credit for, so when XXXX took over in XXXX XXXX, they claimed I owed XXXX K approximately. Even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. I sent them all payment slips and proof from bank statements, but in a phone call they said " we do n't care '' ... ... Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XXXX of XXXX. I do not get ANY statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since XXXX ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in XXXX due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my XXXX K back or at least applied to principal. During XXXX i did n't even get a XXXX Tax form credit of mortgage interest payments to use against my taxes ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake - Wilshire has my account showing closed by grantor and paid charge off. This is untrue! I paid it in full through a refinance of my home back on  XXXX - XXXX -14. I even have a letter from them showing this, yet Wilshire-Westlake reports differently. I 've tried to resolve this many times with them, but they do NOT correct the credit bureaus. please help me to have this corrected. it is lowering my credit score, as well as I keep having a hard time getting credit and refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX  I filed bankruptcy in  XXXX  case number   XXXX  . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   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 2017-07-19 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: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have credit inquiries in my credit report that I did n't authorize. I 've sent letters to some of the creditors and they still have n't remove the inquiry off my credit report. I also sent them a letter to prove to me that I authorize the inquiry on my credit report and I still have n't receive nothing.
The inquires are listed below.
1.   XXXX   XXXX   XXXX    XX/XX/XXXX  2.   XXXX   XXXX   XXXX   XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX 4. Suntrust Banks of FL  XX/XX/XXXX  5.  XXXX   XXXX   XXXX   XX/XX/XXXX  6  XXXX   XXXX   XXXX     XX/XX/XXXX 7 .   XXXX   XXXX    XX/XX/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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have written to the original credit who is DICK 's Sporting Good The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but Dick 's, Synchrony Bank or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by 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 explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by 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 explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.

Company response to consumer: Closed with explanation