vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Each Account is in the document attached to the complaint I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
I called the ok.tax.gov and wanted to ask them to send {$13.00} by routing & account number. But no one will Help me. I called and spoke to 3 different people and waited about 1 hour and 20 minutes. Then the last person said she was getting the supv. but instead put me through to a message machine so I left a my name & number and asked her to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I called Care Credit by synchrony bank. I called in because I have a STELLAR payment history. I ran into an issue this month and called in to get relief for one month to get my account updated. I spoke with a very rude rep who said her name is XXXX and her manager is XXXX. When I asked for help with late fees and payment she told me my ONLY OPTION IS TO CLOSE MY ACCOUNT. She did not offer anything else except to close my account. I am absolutely shocked that synchrony bank would treat their good customers in that way. I have a perfect payment history and just ran into an unexpected expense and XXXX said there is no options for clients. If I do take one option that they offer, my account will be closed. This does not see right that a big company does not offer one month of help. I want the CFPB to know what they are doing. They threaten and do not offer any type of relief even for a month

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 2021-03-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My address is wrong on this credit report my phone numbers are not mine my ex-husband is not my husband anymore some of these informational pieces in my credit report needs to be changed

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 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
1st missed call from the company on XXXX XXXX 2021 @ XXXX 2nd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call I acknowledged I was behind for the month and would make a payment in a week once I received a refund check. 

3rd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call, I explained that I was unable to make the payment as the check did not arrive yet ; stating possibly another week. 

4th missed call from the company on XX/XX/2021 @ XXXX **At this time, the company began contacting my references** I received a call from my father ( first person listed on my references ) on XX/XX/2021 @ XXXX - My father called me in a panic wondering what was the matter as he received a call from a lady inquiring about me. This led to a series of events that forced me to explain my personal situation causing undue stress and anxiety. 

**At this time, I stopped speaking with the company** There was absolutely no reason to begin contacting references at this point in time. 

The company called me on the following dates : XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX The company has called every one of my references multiple times without their individual express permission to do so. In fact, they have called all my references more than they have actually attempted to call me. On one occasion, the company disclosed to one of my references that they are in fact a finance company attempting to reach me and that the individual was listed as a reference for 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 2021-03-05 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: LoanCare, LLC
State: MI

Complaint narrative:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

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 2021-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 2021-03-05 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: MD

Complaint narrative:
Equifax Credit Reporting is failing maintain consumer 's credit file with due diligence as prescribed within FCRA. 

( 1 ) Failure to remove Inquiries timely ( 2 ) Conducting fraudulent investigations ( 3 ) Failing to give consumers access to their credit file ( 4 ) Prejudicing consumer by reporting of what is known or should be know by Equifax as misrepresented information ( 5 ) Requiring information of Consumer 's Financial information that causes Consumer to be open to identity theft ( 6 ) Unable to get contact representatives in correction of file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I was a victim of identity and someone tried to buy car in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MI

Complaint narrative:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

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 2021-03-05 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: MI

Complaint narrative:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MI

Complaint narrative:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I received an email about a credit card that I never applied for or received. I called the company twice and was just put on hold. It says I opened the account in XXXX of 2020 and the XXXX $ balance is a card fee.

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 2021-03-05 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: WV

Complaint narrative:
Equifax has negligently failed to report my credit accurately or report information provided to them creditors by : 1 ) failing to delete the record of default as instructed by the department of education rehabilitation services 2 ) overstating the total debt listed on my credit report by doubling my total federal student loan debt 3 ) failing to fix a problem created internal to equifax despite the creditor reporting the correct information to equifax 4 ) failing to have a procedure in place to confirm that the information reported to them by the servicer or creditor matches what they are reporting as per my credit report and factored unto my credit score 5 ) failing to fix a problem that equifax caused internally and instead treating the problem as a dispute with a creditor instead of as a complaint directed specifically at equifax 6 ) training or allowing multiple agents to lie or facilitate lying on the phone as evidenced by multiple agents of equifax denying that equifax committed an error despite admitting such errors prior to denying them 7 ) double reporting 8 federal student loans as 16 or more separate federal student loans 8 ) failing to correct the drop in my credit score attributed to their errors including but not limited to misclassifying open loans as closed and failing to delete the record of default on rehabilitated federal student loans despite being directed and provided proof of such by the servicer a month prior to my score dropping by 58 points ( equifax score only ) 9 ) failure to reconcile federal student loans as being one in the same loan simply because the account number changed when the servicer changed despite easily being able to identify each duplicated loan as the loan amount is the limit amount and date of the loan being the date reported being the date the loan was issued or first reported The above problems were not handled, present, or encountered with regards to XXXX or XXXX. These were specific to Equifax which has still failed to compensate me for the 2017 breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA Federal Savings Bank is illegally withholding access to my accounts and forcing me to answer survey questions in order to have access to my accounts. These questions include privacy-violating questions such as total net worth, annual income, foreign associations, etc ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
Trying to refinance my condo does not return phone calls takes three weeks to get paperwork. And took my money and you never hear from them again

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent money to this young lady for service to do my hair. I never received the service. It turned out to be a scam because she blocked me after the money was sent to her. My bank declined the transaction for the larger amount of money. They sent XXXX back to be.on XX/XX/XXXX they well be taking XXXX and XXXX back out of my account because they dont approve it. They only approve the XXXX and XXXX. They told me to contact the person I sent the money to but how can I contact a scammer.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
I lost my job and my mortgage lender sold my account to a debt collection company specializing in foreclosure. This debt collector got my account when I was five payments behind on my mortgage. From that moment forth they have told me they wan na help me modify my mortgage and do whatever is possible to keep me in my home. For the past 30 months I have sent them all my financial documents every time I gained employment, I have showed them several different ways that I am capable of paying my mortgage and an additional monthly determination to pay back the default amount. Each time I give them supporting docs They dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past three months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dropping me as they have many thousands of people.they dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past 30 months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dumping me as they have many thousands of people They are forcing my foreclosure and I was told to ask somebody for help. I have recently filed another appeal with Selene finance. They have told me from day one they were going to sell my house and I think Im at my wits end with them and Im not sure what to do. I can afford my mortgage but my credit is low and I can not get refinance. With this bank is doing to me is wrong, Im not sure if its a legal. I dont think they ever wanted to help me, I genuinely believe their intent was to sell my house when they knew the value was greater than the loan amount. I dont think it is fair of them as a debt collection company to not except payments from me besides the final amount which they kept increasing monthly. I have lived in this house for almost 20 years, and before this happened I had only missed a couple payments. These people are unfairly taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing due to non-compliance with Equifax, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I am also attaching all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$1200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.

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