vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have disputed this account with Specialized Loan Servicing and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that Specialized Loan Servicing LLC did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I received an initial notice from Credit Collection Services Collections dated XX/XX/2019 advising me of a collection attempt due immediately. Nowhere on the notice did CCS indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated XX/XX/2019 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My XXXX, XXXX and XXXX Credit File is showing a past due amount of {$260.00} and a balance of {$370.00} for a Citgo Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Synchrony Bank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Synchrony Bank. I have contacted Synchrony concerning this issue before and it was never corrected.

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 2019-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bayside Capital Services, LLC
State: FL

Complaint narrative:
This company called me and my x husband using skip tracing tools. A third party can not be called without them being listed as a reference and when I told them I didnt recognize the debt, they threatened to have me garnished even after I asked for information to prove the loan. They said I only had 24 hours to settled the debt, but how I settled debt Im not familiar with. The company threaded me that I Better not call again, and marked me as refusal to pay even though I didnt know what debt they spoke of. The manager XXXX spoke over me and refused to talk to me like a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from 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 2019-06-26 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: FL

Complaint narrative:
Equifax is reporting 120 past due on the USDEPTOFED partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account has not been updated in well over ( 6 ) months. Please update this  account to report accurate information. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted XXXX with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: GA

Complaint narrative:
I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had an account with Synchrony Bank for an HVAC system. I was paying on time no problem. My mom was diagnosed with XXXX and moved in with me. I was paying her bills and mine. She died. I started fixing everything. Synchrony closed and sold my account to XXXX XXXX and XXXX XXXX XXXX worked with me to pay this debt off ( they were both kind and helpful ). They told me once it was paid off they would remove anything pertaining to this debt from all three credit bureaus under " Collection Accts '' & " Negative Accts ''. The account is still listed under " Negative Accounts ''. It says closed and balance XXXX  but it is still hurting my credit and I am desperately trying to obtain a loan for my daughters college tuition. I reached out to Synchrony Bank several times and been told that it is closed with a XXXX balance but they are keeping it on there for 7 years. I was told to dispute it - I did - nothing. I was told they don't own the loan anymore so they can not take it off. I don't know what to do. I am a hard working honest person who had a really bad situation. I work in XXXX XXXX and that is why my mom came to live with me so I could care for her until she passed. I had to cut back on shifts at work and fell behind. This wasn't a malicious event where I just didn't want to pay. I will attach all the 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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My XXXX, XXXX  and XXXX Credit File is showing a past due amount of {$300.00} and a balance of {$300.00} for a Shell Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Citibank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Citibank. I have contacted Citibank concerning this issue before and it was never corrected.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I sent a letter to Eqifax Credit Bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained by a third party known as XXXX XXXX. They're response was they verified the information and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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:
I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in multiple dispute and fraud reports to Equifax and the collections agency. I have yet to receive any documents from Equifax or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened a High Yield Savings account with Synchrony Bank which was an online account with a transfer from my personal account in the amount of {$50000.00}. On XX/XX/XXXX I transferred another {$1500.00} to the same XXXX account. On XX/XX/XXXX, {$45000.00} was wired out of my XXXX account to " XXXX   XXXX XXXX '' totally without my Knowledge or approval and I have never had an account with XXXX. On or around XX/XX/XXXX, someone transferred out {$14000.00} ( which is more than would have been in the acount ) to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX which I also knew nothing about and have never heard of either bank.. Since this was a savings account, I did not look at it ( as I obviously should have ) until XX/XX/2019 when I needed to withdraw some money. I could not access my XXXX online account at that time because the account had been locked, which I also did not know. When I called to inquire about my account, I was told that my account was " Overdrawn '' by the amount of {$14000.00} and I had to make a deposit immediately to cover that amount. They followed up with a letter saying " This is an attempt to collect a debt and any information obtained will be used for that purpose ''. I have spoken to several different people at XXXX and they will not even consider this as " Fraud '' and plan on pursuing this against 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 2019-06-26 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: SC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD WHEN MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
This company says, '' it's the alternative credit bureau ''. Upon their solicitation, I sent them a letter asking them to remove my name and adrress from their services/data-base. I told them I wanted to opt-out, and that I had already opted out for services, and pre-screen offers from the 3 '' major '' credit bureaus. They responded, and told me to send it in witing, I did. Now they say they need the last four digits of my social, my name, and address, ( which was on the letter, and envelope I had already sent them ). When I called to tell them just that, they said they needed my last four of social, which I don't fell they need, because I don't know them, and have never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We were told the the documents have been tagged complete on XX/XX/2019 and it would take up to 30 days. We have checked for updates from time to time and the file is still in review. But then, they provided us another information stating that the documents have been tagged complete on XX/XX/2019 and now the decision will be made on or before XX/XX/2019 which is way longer than what we have informed the first time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
On XX/XX/2019, I attempted to open a CD at Ally Bank online. For no apparent reason and inconsistent with prior practice, they declined to immediately open the account, tabling my application for an indefinite period. Because of their inaction, I withdrew the application. 

Approximately a week later, my husband, with whom I hold several joint accounts at Ally, successfully opened and funded an identical-type CD at Ally online, with an immediate decision and no delay. 

My husband and I have essentially identical banking and credit profiles. Yet Ally discriminated against me by treating my attempt to open an account differently than they treated my husband. 

Furthermore, Ally 's Executive Resolution staff has ignored my concerns.

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 2019-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My complaint is GM financial has hit our credit report for a payment that I sent and was taken out of my account back in XX/XX/XXXX. I was never notified there was a problem only found out from a notification on our credit 3 months later. All my statements showed current and no late charges. I have sent proof from my bank that the funds were taken out and never put back in from there bank XXXX!!! I have been dealing with this for several months with no results. It has completely gotten out of hand!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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:
Experian refuses to remove a charged-off account that was opened without my authorization and as a result of ID theft. Ive sent an official police report, FTC complaint, employment and ID documents proving that Ive lived overseas and did not open, access or use this account. XXXX  and XXXX   promptly removed the same fraudulent account in XX/XX/XXXX and adjusted my credit score. Yet when the same dispute was submitted to Experian in XX/XX/XXXX, they refused to adjust the score. When provided the same supporting documents on XX/XX/XXXX, they still refused. As of XX/XX/XXXX, this fraudulent account is still on my Experian credit report, thus preventing me from using my correct credit score. Experian provides excuses every time I call them, which is essentially a waste of 60 mins on a daily basis. I want to formally file a complaint with the CFPB again Experian to help me correct my credit score and allow me to live my life.

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 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been trying to low my rate and morgage amount for since XX/XX/2019 I have been sending them documents and they state they have not receive them. 
I sent the document over four times.XXXX XXXX XXXX to help still the same thing Still they say they have not receive them as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation