vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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: CO

Complaint narrative:
All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.

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 2019-07-18 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: AES/PHEAA
State: OH

Complaint narrative:
My Fed Loan reporting says " 90 days past due '' in XXXX. I am currently enrolled in college. I have been in deferment and the reporting is wrong. This killed my credit score and I want help with getting fixed. I have already spoke to Fed Loan and they are the ones that initiated this dispute. They are in an agreement that this reporting is not accurate. Please help in getting this fixed. I graduate in 2020, so my loans are deferred until after graduation. Thank you and I hope this gets fixed and resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: IL

Complaint narrative:
I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX   " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-18 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: FL

Complaint narrative:
I have been 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 2019-07-18 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: FL

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I never admitted this was my loan. I offered to pay 50 % of balance to delete negative statement from my credit bureaus all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
ARS COLLECT that couldn't provide me with my signature. ARS COLLECTION violate the HIPPA policy. They didn't give me of a contract that I made with them and I. I sent them letters and they could not give me no answers.

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 2019-07-18 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: IL

Complaint narrative:
CRA in violation of several consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2019, The XXXX submitted two fraudulent charges to my Wells Fargo Bank checking account. One was for {$1500.00}, the other was for {$180.00}. I do not have a business relationship with The XXXX. 

The charges appeared to be somehow related to XXXX ( the XXXX XXXX XXXX XXXX ). I notified both Wells Fargo Bank and XXXX. 

See the attached screen shot of my bank account.

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Office of Ginger Crosby Zuravel
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a letter that stated the amount I owed was incorrect and that I disputed and was incorrect. I received a letter today XX/XX/XXXX that stated the amount was correct with an attachment that has incorrect dates that I have no knowledge of. I do not have access to the e-mail associated with proof of cancellation of classes and request to unenroll because of purge of student information after unenrolling from school. The balance doesnt add up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Fraudulent Credit card was issued by Synchrony Bank for a BP credit card with a limit of {$2400.00} on XX/XX/2019. I called the number listed on XXXX XXXX for SYNCB/BP DC C/O XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) on XX/XX/2019 and spoke with someone in their Fraud Department to report the account as fraudulent. On XX/XX/2019 the account re-appeared on my XXXX XXXX report with a balance of {$2300.00} but I did not notice until XX/XX/2019. I called Synchrony Bank again and spoke with someone in their Fraud Department and they said it was highly unusual for an account to be reopened and a new card issued and they were locking the account again. At this time I also called the XXXX, AL XXXX and opened an APD case report XXXX and filed this with XXXX  I have since received the new credit card in the mail and the billing statement that I owe {$2300.00}. So I have now been victimized twice, once by the fraudster and now by Synchrony Bank. 

Synchrony Bank contends the account is valid and verified because a {$27.00} payment was made ( not by me ) on XX/XX/2019 but the account balance is {$2300.00} and they say I owe it. XXXX says their case is closed since Synchrony Bank says the account is valid and my only option is to file a complaint with the Alabama State Attorney General and file a complaint with the CFPB. 

When filing a complaint make sure you have a police report as required by the FCRA.

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 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I only borrowed XXXX and the want me to basically pay back 4x that amount i have went with a consolidated company and they are still asking for way more then what was borrowed they also go by rosebud lending i see they are not licensed in my state at all when i looked there name up

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 2019-07-18 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XXXX A Hard Inquiry made by SYNCBPAYPAL appeared on my XXXX Credit Report which I did not authorize. It was an individual transaction and the identifying information they provided was my name and a previous address. SYNCBPAYPAL also requested supplemental information including 1 ) Public Records and Residential Information from the County Recorder 's Office and 2 ) Consumer Credit Information. This was all listed on my XXXX Credit Report. I do not have a Pay Pal account nor want one. I did call SYNCBPAYPAL on XX/XX/2019, and spoke with someone in their Fraud Department who opened a case # XXXX. I was told it would take 7 to 10 days to receive their report after they complete their investigation. 
This Hard Inquiry has affected my credit score and I'm trying to do everything to prevent further damage including placing a Fraud alert with all ( 3 ) credit bureaus and monitoring my accounts frequently.

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 2019-07-18 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Attempted to purchase and activate a children 's smartwatch at a XXXX location in XXXX, TX. The XXXX sales representative failed to get the smartwatch to activate/communicate with my XXXX XXXX XXXX phone as the parent phone. The XXXX sales representative cancelled the transaction and refunded or voided all charges. 

XX/XX/XXXX I received a bill marked past due for the XXXX account canceled in XXXX. I returned to the XXXX store and showed the same employee the bill. With help from his manager and after a long conversation with corporate XXXX it was discovered that the smartwatch transaction was not properly cancelled and that I was considered a customer still with an account. The manager, working with corporate XXXX over the phone again cancelled the account and voided any debts. 
XX/XX/XXXX I received a collection notice from ICSystem for {$10.00} which lists XXXX as the original creditor. I returned to the same XXXX store where the staff confirmed that this fee was associated with the smartwatch transaction and should have been waived but was told that they could do nothing to correct the issue now that was with collections. The XXXX staff recognized that the debt was invalid and noted it as such in the notes on my account. ( see attached image of notes )

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 2019-07-18 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: IL

Complaint narrative:
Fraudulent accounts on my credit 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 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc.
State: GA

Complaint narrative:
I was told to call in XXXX to renew my payments. I have been unable to reach anyone on the phone I've called twice a week since XXXX trying at different times and leaving messages. No one answers or ever responds. I need to arrange the next six payments on auto charge from my card to stay on track. I would like to change loan servicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
Provident Funding in XXXX XXXX, CA is stinks. 
FYI, I live in XXXX, and I don't own any property, I also don't own car. I have good job with good pay, I have very good credit history score as well/ I started refinance my mom 's home in TX on XX/XX/2019 for only XXXX refinance amount. 
Underwriter initially approved, then requesting a lot of documents ( documents of your business 3 years ago, bank statement of anyone who sent/received money from your bank acc ), greedily wanting to involve more borrowers for the security of loan. 
Underwriter said my debt ratio was high for loan amount because I lived under same proof with my spouse.??? What nonsense it is when title/mortgage statement/note didn't include my name. They even requested to see my husband 's bank statement to see if he is able to pay mortgage on his own without my help. 
If they didn't get what they want, they simply rejected the loan no matter what effort you put. At the end, borrower is the one got hurt : time, money for appraisal, effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am a co-borrower on a new vehicle purchase loan financed by Santander Consumer USA. Monthly payment for auto loan is {$550.00}, and I have been paying this amount monthly since signing of the financing contract on XX/XX/XXXX. I was involved in a motor vehicle collision on XX/XX/XXXX. My vehicle suffered substantial damages and was towed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX filed Notice of Pending Lien Sale with Department of Motor Vehicles Lien Sale Unit.  Documents produced by Santander indicate that notice of lien sale was received by clerk # 1 on XX/XX/XXXX and clerk # 5 on XX/XX/XXXX. However, Santander failed to take action, and the subject vehicle was sold at an auction. Santander is clearly at fault for allowing the subject vehicle to be sold. I am no longer able to drive the vehicle but have been continually making the {$550.00} monthly payments, because Santander agreed to cease and desist from further collection activities, but has been refusing to stop reporting delinquency to credit bureaus, despite the fact that I am no longer able to drive the subject vehicle. Also, Santander is insisting that it still holds the right to enforce the contract in which I am obligated to make payments on the vehicle, although the vehicle has been sold due to Santander 's fault, and I do not have a vehicle to drive. My counsel of record contacted Santander and spoke with XXXX XXXX ( Santander Consumer USA Specialized Services Evening Manager ). He stated that he will inquire with Executive Department to request deleting of my automobile financing account so that Santander will no longer report any delinquencies to the credit bureaus. Also, he stated that I will receive a response within approximately 48 hours. My counsel sent an email confirming the details of conversation, and requested delivery and read receipt. XXXX XXXX sent read read receipt on XX/XX/XXXX at XXXX XXXX. Then, on XX/XX/XXXX, my counsel of record sent another email following up regarding Santander 's decision. XXXX XXXX did not send any read receipt in response to this email to date. Today is XX/XX/XXXX, and it is XXXX XXXX. I was expecting an updated response, but Santander is being non responsive. Also XXXX promised to forward the all correspondence to Santander Legal Department. I have not received any read receipts, updates, or any type of acknowledgement or response since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: STERLING BANCORP
State: NY

Complaint narrative:
I am living in XXXX, NY, and I simply want to open a checking account in Sterling National Bank. I have visited 4 XXXX Branches in the past week, but there was no banker willing to help me at all. So I would like some one from Sterling National Bank to contact me directly to help me open an account successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TX

Complaint narrative:
I have completed the final payment on my car loan and it is still reflecting I owe money. In XX/XX/2018 it shows that I was late on my payment. Incorrect information.

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 2019-07-18 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: TX

Complaint narrative:
I have completed the final payment on my car loan and it is still reflecting I owe money. In XX/XX/2018 it shows that I was late on my payment. Incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TX

Complaint narrative:
I have completed the final payment on my car loan and it is still reflecting I owe money. In XX/XX/2018 it shows that I was late on my payment. Incorrect information.

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 2019-07-18 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: IL

Complaint narrative:
Fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: IL

Complaint narrative:
Fraudulent accounts on my credit 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 non-monetary relief