vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
For 6 months now my mortgage payment has not been applied correctly,  they are applying my mortgage payment wrong each month and then not sending me an invoice and putting me into collections.  I have called each month and they say it will be fixed but then the next month it happens again.  I have wasted countless hours on the phone with them but they keep on doing it.  I send my payment in as soon as I get the invoice with a small amount extra to be applied to principal,  it is all on the invoice.   They are going to cause me to have credit issues as this has been on going. This issue is with Fifth Third Bank.  They are completely incompetent.   How do I proceed as they are not fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
After 25 years in my home I am on XXXX. I M in XXXX XXXX an XXXX XXXX. I asked for a modificationAnd I was told that I would be given a modification. Mr XXXX   told me to give him $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
incorrect information defamation of my credit historyXXXX XXXX 60 days late fcra violation see attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XXXX XXXX XXXX Accounts # XXXX XX/XX/2019 Balances {$660.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the XXXX office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Background check obtained from XXXX comes up with this information which is incorrect : SOCIAL SECURITY VERIFICATION NAME AND ADDRESS INFORMATION OBTAINED FROM : XXXX Customer Provided Information SSN XXXX DOB XXXX SSN State Issued XXXX Year Issued XXXX Name Type Report Subject Name XXXX, XXXX XXXX Addr Type Residence Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Addr Type Former Address First Date XX/XX/XXXX Last XX/XX/XXXX I never lived at these locations and have requested 3 time to have them removed. 
Also Only employment from XXXX to XXXX is XXXX XXXX XXXX and XXXX as well as Ohio XXXX and XXXX nobody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: Clarity Services
State: TX

Complaint narrative:
incorrect information defamation of my credit historyXXXX XXXX  60 days late fcra violation see attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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:
incorrect information defamation of my credit historyXXXX XXXX 60 days late fcra violation see attach police report

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 2019-12-17 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: CA

Complaint narrative:
When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current

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 2019-12-17 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
On XX/XX/2019 I received a call from XXXX at XXXX EST. I was unable to pick up the phone call.AT XXXX EST, I received a text msg from " XXXX '' stating to " Please call XXXX ''. 
Upon looking up what XXXX meant, I found this " If You have XXXX Service, XXXX is the XXXX identifier for the voicemail paging option. When a caller selects the option to leave the customer a numeric page, the handset receives a text message from sender XXXX ' containing the phone number of the caller, or the caller can enter whatever number they choose instead of their own phone number. '' The call and text failed to state who was calling and why. 
At approximately XXXX EST I called XXXX back to find out who was calling. A female came on the line and stated that she was from Sunrise Credit Services, a debt collection agency.

I told the representative that I had received a text on my phone telling me to call this number. The representative stated that she was looking for this named individual and if I was them. I stated I would not be answering any more questions and that I would be filing a complaint. 
I have received phone calls from XXXX on multiple occasions as well as other phone numbers that are linked with this company. Each time they have called I received no information on who they were or why they were calling in my voicemail. 

For XXXX I received calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX For XXXX I received calls on : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and XXXX XXXX For XXXX I received calls on : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For XXXX I received calls on : XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX For XXXX I have received calls on : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX For XXXX I have received calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX For XXXX I have received phone calls on : XX/XX/XXXX XX/XX/XXXX For XXXX I have received phone calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX For XXXX I have received phone calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX Each of these phone calls was done without leaving any sort of voicemail or communication stating who they were or why they were calling.

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 2019-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
OnXX/XX/XXXXI acquired a HELOC in the amount $XXXX from BMO Harris bank to buy a property. When I applied for the loan the loan officer failed to provide me with my credit score. I believe I had a good credit score to qualify for a lower interest rate on may loan. I believe that the loan office abused my lack of knowledge of my credit score and sold me a predatory loan. I commenced paying on the loan for five years and the principle amount never decreased. Later on I found out I was only paying interest only. The terms were never explained to me and were very obscured. After making all the required payments towards the loan which ended on XX/XX/XXXX I received a letter from BMO Harris bank that we had to still pay them the amount of $XXXX. I explained that we had made all the payments to which they informed that payments were only to interest. I tried to enter into a payment plan as I did not have the full amount. BMO Harris was not giving me any affordable options to resolve the money owed.After requesting a copy of my documents such as payment history and copy of credit report used at the time of the loan, the bank refused to provide me with those documents.

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 2019-12-17 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-17 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-17 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-12-17 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPT EDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good afternoon! Actually my complaint is not about fees collected, but there was no appropriate option for my complaint. 

I closed a checking account at Santander Bank XXXX XXXX XXXX in XXXX, NJ XXXX. I need to check my transaction history. I went down to the bank and asked for assistance with this and they told me that being that my account is closed it takes a long time and they can't help me with this. This information is very important to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2019-12-17 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-12-17 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I had a fraud charge on my Discover card XX/XX/2019 and called Discover and had them cancel and transfer my account to a new card and open a fraud investigation. XXXX weeks later no card arrived and I had a update on my Credit that I had closed out my account and it negatively impacted my credit by about 25 points.

6 weeks later on XX/XX/XXXX I am trying to close on a home and I get denied because the day prior I apparently had a new inquiry into my credit and opened a new credit card with Discover hitting my credit for 41 points. Later that day discover called saying I was late by 3 months and delinquent. On the XXXX of XXXX I get another credit update i am delinquent and lost another 41 points on my score.

Because I lost my house I had to extend my lease putting down more rent and now discover says I owe over {$1000.00} in 2 weeks. I have spoken to Discover and they have sent a report to fix my credit but cant promise it will totally fix the situation point for point. Also they wont do anything to help with the balance when it's there fault it's a situation at all. They put me out of a house, they messed up my credit score by over 100 points and when I requested to cancel my card, they informed me it will hurt my credit worse. So I am stuck in a bad situation as a consumer and the company that inconvenienced my life a lot wont do anything in regards to there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: CA

Complaint narrative:
When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current

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 2019-12-17 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: LEXISNEXIS
State: CA

Complaint narrative:
When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RR Resource-Recovery
State: NY

Complaint narrative:
R R RESOURCE RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have been dealing with this on my credit for over 2 years, they have had my dispute since XXXX i sent out a certified letter and all the payments i paid for my insurance and the false charges and they still continue to give me the run around. The insurance company advised I had full coverage for a lease vehicle and after 3 years of paying i got into an accident and they went back to XXXX and charged me unauthorized. I just would like this XXXX collections off my credit for good! I do not owe auto insurance and the state of NY your insurance laps you can no owe. This insurance agency is fraud and the collections agency will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
i have a lean on my house and i dont know why i was told XXXX XXXX  that i owe XXXX someplace called XXXX  was out of business it was sold to cavalry portfolio and i was told it could be a master card or a loan.this was back in XXXX no contact with them at all and dont even know who they are but they have my address why didn't they send me anything after all these years so cavalry portfolio sent it XXXX  in the amount of XXXX and then send it to the lawyers office. still no contact until i called them because i need to refinance my mortgage but after 7 years they are telling me i owe money i dont owe it and i am on XXXX and they tried to take it from my XXXX check as paid wages.its wrong a business goes out and you sell it to another company no way this is there phone numberXXXX XXXX XXXX XXXX the lawyer they are using isXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation