vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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 have a collection account that does not belong to me and several inquires showing on my credit file that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have check my XXXX  and XXXX  credit reports and two accounts (Capital One and XXXX XXXX) that I have paid off on XX/XX/2019 still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had Calvary SPV I, LLC as Assignee of XXXX  XXXX/XXXX XXXX XXXX XXXX.  Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX Bank . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX acct. I just recently was able to get most legal documents. Contacted XXXX XXXX XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and Calvary collections still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by XXXX? XXXX XXXX XXXX as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX  nor Calvary will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: PINNACLE FINANCIAL PARTNERS, INC.
State: SC

Complaint narrative:
I opened an account with Pinnacle Bank ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX XXXX previously named : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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:
Hello, On XX/XX/2019 I logged on my XXXX XXXX noticed there was a hard pull made on XX/XX/2019. The company name I have never heard XXXX XXXX XXXX. I never walked into said bank or signed anything inquiring anything from them. Under the fair credit act I believe this to be fraud and was never authorized by me. I would like this removed from transunion who is currently reporting and anyone else reporting this as it is inaccurate information. 

Thank you for your time and help. If anyone has any questions you can call me on the phone and I will be more than happy to talk to resolve this problem as I never applied for anything.

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Every month almost Equifax and XXXX has lowered my Fico score completely unfairly because I pay my credit card bill off in full every month. Theres absolutely no reason that my Fico score should drop. They are also letting anyone regardless of credentials or veracity attach any bill to my collection balance. The bills on my collections are several years old And I am not accruing any late or past due balances. I dont understand what type of people or mathematical formula they are using at those two institutions that paying my bills off every month in full somehow lowers my score. I would appreciate some help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a complaint with Bank of America. The Dept. of Banking, State of CT gtransferred the complaint to you ( case : XXXX ). I was contacted after that by two employees of the bank ( Resolution Dept. ). I gave them, the information you already have and the claims dept. of their bank has. First they said they wlould call me on XX/XX/19. They contacted me on a different date and said they would get back to me today between XXXX-XXXX. They havde not. I attempted to call them at the number given me, but got voice mail. I left a message, but no response. I now feel .ike I am getting the run-around. The two people I spoke to were XXXX XXXX and two times after that XXXX XXXX ( sp? ). This has been going on sinvce the beginning of XX/XX/XXXX. Meanwhile I am out {$540.00}. I am on Social Secjufrity XXXX swhich is my only income. I have been short since this error occurred. I DID NOT get that money. I have been with the bank for 34-35 years. You would think they would show me some consideration. 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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2018, I referred my wife to open a checking account, which made me qualified for ' {$100.00} refer a friend a promotion. ' Citi told me that I am qualified for this promotion, but they requested to send my W-9 and I sent the required document. XXXX is the reference number for my inquiry. 

It's been months since they received my document, but they did not credit my account yet with that promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 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: TN

Complaint narrative:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Since XX/XX/2019, a complete package has been sent to SPS to apply to the Short Sale. From that moment on every time we call, SPS states the file is complete, there is a missing document or the submitted documents are not reflected in their system. We have confirmed emails and faxes that they received the requested documents. Essentially, they continue to play the game of we have what we need to move forward then we call the following week and they state they are missing a document which we resend. They then confirm receipt followed by another week passing and we call and they state they are missing the same document which they just confirmed receipt. 

On XX/XX/2019 the bank informed me that the Short Sale was approved and that we should wait for the approval letter. 

On XX/XX/XXXX they reported that the letter was not ready and that we should continue waiting. 

On XX/XX/XXXX, they started again requesting documents and the request XXXX with corrections, which I never understood because everything was supposedly already approved. 

On XX/XX/XXXX, SPS sent me a letter asking for documents again, some of them did not apply to my file and others had already been sent. Nonetheless all requested documents were resubmitted on XX/XX/XXXX. 

On XX/XX/XXXX, SPS stated that nothing more was needed and everything was again complete for review. However, on XX/XX/XXXX, SPS stated that I had to resend documents that they had since XX/XX/2019. 

Although there is no sale date schedule, this process with the bank is being too exhausting both mentally and physically for me and my family. The game they are playing is not right and not fair. They can't continue to tell me it's approved then state it's not, then state it's approved again. I will lose the buyer soon and need Help. Please stop this short sale Yo-Yo. If they continue this behavior, I will lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: AMERICAN HONDA FINANCE CORP
State: VT

Complaint narrative:
My Lease with Honda financial Services was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local Honda dealer and told HFS that. They said they noted it and then I began getting XXXX : XXXX calls from " HFS '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased cars : 2 from Honda!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: VA

Complaint narrative:
They put debt on my credit and I never had an account with this company

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 2019-08-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I opened an account with XXXX XXXX ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I opened an account with XXXX XXXX ( formerly XXXX XXXX  ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : 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 non-monetary relief
Consumer complaint received 2019-08-22 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:
There was 2 fraud/unauthorized inquiry 's on my account which I had received a letter in mail months ago would be removed but they still appear on my transunion and possible other credit reporting companies. On XX/XX/2019 I am being told I made a Inquiry with both XXXX XXXX XXXX and XXXX XXXX store which I never applied or authorized anyone to run a credit check as i do not shop in these store. You will not find my signature anywhere applying for these cards. The letter I was sent saying it would be removed unfortunately I have misplaced otherwise I would attach it here.

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 2019-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XXXX XXXX committed XXXX as determined by XXXX XX/XX/XXXX. The family was notified about a week later when the XXXX was found. We quickly determined that the house was in default but worth saving and contacted Navy Federal who was the lender. At this time, they said we could not speak with them on behalf of XXXX without a death certificate. This was received and immediately sent to Navy on XXXX XXXX. We tried making contact once again and were told that we now needed probate paperwork from the court as we had no will. We immediately applied for this through the court systems. Navy immediately released the house for foreclosures when they received the death certificate ( Even knowing the situation ) as now they had proof of death. Then once we got the probate paperwork back on XX/XX/XXXX we immediately sent them copies of the probate order. We also left a voice message. On XX/XX/XXXX they returned a call and said they would send the paper work out for this loan to be reworked and credit was not really going to be an issue because of the situation ; but then on Monday XX/XX/XXXX they said this process needed to go to a different department because it had been sent to foreclosure and were sending another package of paper work out for the family to fill out. We got that XX/XX/XXXX. We are completing that package and returning it today. We feel they have stepped up the foreclosure process and really just keep sending us in different directions now that they have proof of death. This man served his country and had he would not be alive today. This is not compassionate, and I am embarrassed that we would treat the any of our service people or families with so little compassion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Every month almost XXXX and TransUnion has lowered my Fico score completely unfairly because I pay my credit card bill off in full every month. Theres absolutely no reason that my Fico score should drop. They are also letting anyone regardless of credentials or veracity attach any bill to my collection balance. The bills on my collections are several years old And I am not accruing any late or past due balances. I dont understand what type of people or mathematical formula they are using at those two institutions that paying my bills off every month in full somehow lowers my score. I would appreciate some help. 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 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received numerous emails and mail from Chase about " now '' being a good time to refinance. We wanted siding and a new roof for our house and I called my contractor to my house for a quote in XXXX ( {$23000.00} ). We purchased the home in XXXX and it appraised for {$100000.00}. We did a refinance in XX/XX/XXXX and it appraised for {$110000.00}. Used Chase 's home value " tool '' and it brought back a value of {$110000.00}. I told the mortgage rep at the time we applied for the refinance, I was using their " tool '' as a basis for coming up with a final home value of {$110000.00} ( just to play it safe ). So the new mortgage would pay off the existing one and give us back $ XXXX for siding/roof ( and {$7000.00} " closing costs '' ). I paid the " good faith funds '' of {$500.00} on XX/XX/XXXX. Their appraisal was done beginning of XXXX and on XX/XX/XXXX, I received word from Chase that my home only appraised at $ XXXX. I was in disbelief. Their appraiser had in his report that " no upgrades done since home was purchased '', even though I had 9 windows and 2 patio doors replaced! When I questioned Chase about this, they told me to look into home sales in my area to find higher comps! I asked for my {$500.00} back since I was told I would get the funds returned if the mortgage did not go through. This is a deceptive practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TN

Complaint narrative:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX , ( Original Creditor : ) XXXX, XXXX 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 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
Several different " representatives '' of a company going by the name of Evergreen Professional Recovery have attempted to contact me regarding a debt owed to them. 

I have never taken out any kind of loan and do not believe in credit cards ; below is the information that I was able to obtain from them : Company name : Evergreen Professional Recovery Address : Unknown Phone Number : ( XXXX ) XXXX Amount Owed : Unknown Number of Representatives Who Called : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Old information reappearing

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