vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
RE : Loan Number XXXX This will be the third time since XXXX that I am having an issue with Loancare. I sent them 2 payments in the past that they never applied to my balance. It was a payment that was set up with my bank, XXXX, via automatic monthly payments. Apparently when my servicing changed, my loan number did and the wrong loan number was on the checks. I called Loancare to try to locate the funds and resolve it by sending them a " proof of payment '' from my bank. I got no response for weeks so I set up 2 complaints through CFPB. 

Because I have had so many problems paying this way, I thought I would attempt to set up an ACH payment using their website. According to their site, I could not set it up ( error message ), so I went back to my banking site and set up a new auto payment coming from XXXX ( with the corrected loan number ). Well, apparently, they got my routing number and account number during my attempt to set up on their site and they pulled the funds from my account on XXXX. XXXX sent a check for my mortgage on XX/XX/30. So now they have 2 payments for my XX/XX/XXXX mortgage payment. 

I am on the phone now with XXXX now filing a claim and cancelling the ACH but it is costing me {$30.00} that I would like returned to me from Loancare. I don't understand how they could pull funds from my account when I never got any confirmation that I was 100 % set up from their site or even via email. Clearly the site is a mess.

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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I received a notification that i had a account in collections, it was originally from a hospital i received financial assistance from. I called them and they said they would contact the collector and remove it. I waited some time and contacted the collector, and the collector told me the account was being removed and to wait 30 days. I have waited 3-4 months and the account is still in collections, every time i dispute it, the creditor says correct balance, correct account, ect. Collector : Kansas Counselors Inc, XXXX XXXX XXXX, XXXX XXXX, ks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX $ XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I filed a complaint on Navy Federal Credit Union complaint number : XXXX on XX/XX/XXXX, I received confirmation on XX/XX/XXXX that they responded that they are still reviewing my account. Today XX/XX/XXXX I received a email from Navy Federal stating that they are unable to grant me membership due to not being able to verify my identity how is this possible when my account has been open for months if my identity couldnt be verified they would have requested that information well before opening an account for me, I feel as if this is a stall tactic to keep my accounts frozen for no reason at all I explained the situation in my first complaint Navy Federal is trying to cover their tracks they are liars and I would never wish this treatment on anyone about their own money in their account how do you just freeze someone account with no explanation as to why I will have my lawyer involved in this matter immediately a rep begin asking me personal questions like what am I spending my money on I dont have to disclose this information to you all what give you the right to ask me that question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX  XXXX {$270.00} XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXX   XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX  XXXX {$880.00} XXXX  XXXX {$780.00} XXXX XXXXXXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV FINXACT CORE
State: WI

Complaint narrative:
I recently went to the grocery store ( XX/XX/2020 ) and was checking out and wrote a check for {$85.00}. My check was denied by TeleCheck as being high risk. I was given a receipt with a code and a phone number to contact them about this. Luckily, I had a credit card on me so that I could purchase my groceries. 

I called TeleCheck XX/XX/2020 and after being looped around with a lot of recordings, I finally got a hold of a person who finally told me that because I hadn't written any checks to this business before, I was considered high risk. That it actually had nothing to do with my credit or my account, but that I hadn't written any checks to this merchant before! I have never heard of such a ridiculous excuse before!! Since moving back to XXXX, TeleCheck has denied me on 3 separate occasions!! THREE! All for the same reasons. 

I have excellent credit. My accounts all have money in them. I am gainfully employed and have been working in the same industry for nearly 35 years, but because I haven't written a check to these merchants, I'm considered RISKY?? This is ridiculous and should be looked into.

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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bryant, Hodge & Associates LLC
State: WA

Complaint narrative:
I have no debt currently in collections. Back in XXXX of this year I received a phone call saying I had a debt from XXXX for {$6000.00} and they were offering a half off to settle the debt. They had my full name. I did not provide any personal information but did verify that they had my name correct. I was confused since I currently have a Chase VISA that had a {$6500.00} balance but I was current on payments and had never been late. It dawned on me that this was possibly from an old XXXX debt I had in XXXX  that was charged off and no longer owed. I quickly told them this was no longer owed and to stop calling me. 
I dont know if they have tried to call back since I have not answered unknown numbers since then and no voicemails since I leave my voicemail full ( due to other personal reason and not this in particular ). People I know only leave text. A few days ago I get the following text with the same amount so this must be the same company. This may be  a scam or a collector that purchased a very old debt in hopes to still collect ( I heard this is possible ). Since I advised them not to call they should not be texting me either. 
( my full name was here ), My name is XXXX XXXX from BHA Services you have a past due bill from XXXX. # XXXX. Balance Due : {$6000.00}. I can settle your account for {$3000.00} During this time we are working from home socially distancing, trying to keep the economy moving, we have offered you a 50 % reduction of your bill, when can you make your next payment? 
BHA SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX PhoneXXXXExt XXXX Webwww.bhabillpay.com here is our contact info.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-05 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: FL

Complaint narrative:
XXXX XXXX, no action was taken. I am still waiting for an investigation.

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 addresses and 1 employer that are inaccurate. On XX/XX/20, I mailed a letter to Trans Union asking to please make these changes. They did not respond to my letter and also did not make any changes.

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX $ XXXX XXXX {$1100.00}

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 2020-08-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX $ XXXX XXXX {$1100.00}

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I received this credit card in XX/XX/2020. My initial credit card limit was {$9400.00}. As of XX/XX/2020, First National Bank of Omaha decreased my credit card limit to {$500.00}. I have not had any late payments and I have not had any high balances. This is horrible customer service, especially during the pandemic of COVID-19. I contacted the bank and they informed me that I just have to accept this and that there is nothing that they can do about it. I need to be treated fairly and have my credit limit returned to its original amount.

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 2020-08-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$270.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXXF XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$780.00} XXXX XXXX {$2400.00}

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Recieved a notice from Synchrony Bank, dated XX/XX/2020, that my request for a credit card with TJX REWARDS CARD had been denied.

I did not apply for a TJX card and I am concerned that a denial will hurt my credit rating. 

I tried to contact the Bank, but it is impossible to get a phone numer from them to get 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 2020-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOE/XXXX  XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
We refinanced with XXXX XXXX in XX/XX/2020 and our mortgage was sold to XXXX XXXX. We were not informed we would have to reestablish our monthly auto draft and we were almost late in making our mortgage payment for XX/XX/2020. It took two months to establish auto draft with XXXX. At the beginning of XX/XX/2020 we noticed our mortgage had not been auto drafted. We contacted XXXX only to find out that our mortgage had been sold to Flagstar Bank. We had NOT been informed our mortgage was sold and we had no way of knowing that our auto draft would not occur for XXXX. Now we have to go through the process again of reestablishing the auto draft. We have refinanced in the past with XXXX XXXX and XXXX XXXX XXXX XXXX and never encountered these issues. These are unsavory business practices and terrible customer service. I would never recommend XXXX XXXX, XXXX or Flagstar.

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 2020-08-05 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: OH

Complaint narrative:
On XXXX XXXX, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax , I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}

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 2020-08-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}

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