vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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: MD

Complaint narrative:
The credit card is a XXXX from XXXX XXXX. It has {$13000.00} limit. It is not my card. It is my husbands card. XXXX asked my husband if he would like to give his wife a card. I didn't want the card. Never activated the card. The card was for my husband to transfer higher balances from other cards. XXXX took the card off my account but the credit reporter would not. I think XXXX XXXX  took it off but XXXX would not. That is were the problem is. I have excellent credit and would like the score to be higher but it won't because of this card that is not mine. The two credit Companies have different scores. They should be the same and higher. Can you tell me why my credit score is not at the very top of the chart? It is almost there. 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 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have issued previous reports and have not received a proper response. Company is stating they bought a debt from XXXX XXXX from or around XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( they don't know the date ). It is obvious that this is fraudulent. I have stated on multiple occasions that I don't know this debt and I am pursuing multiple venues to remove it. The alleged debt in question is XXXX USD, again ; I do not know this amount. I demand proof of original debt, this would take the form of the signed account opening documents from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again

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 2018-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony closed my credit account with out any notification. I just received a statement with a due date XX/XX/XXXX. I pay every month for unemployment protection. I recently switched jobs and fell behind 60 days now. They closed out my account and sent it to a collection. I would like to know why I was not sent anything showing that there was going to be a significant change to my account such as closing it, according to the card act of XX/XX/2009 they are suppose to send a 45 day notice of such a change? Why am I not able to use the protection I've been paying monthly for over a year now that I was unemployed. They are deceiving their customers and closing out accounts without helping customers!

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 2018-05-09 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 deposited a check from XXXX XXXX in XXXX, Texas on Monday into my checking account for {$3100.00} at their ATM and then found out they were putting a hold on the funds until XX/XX/XXXX : Hold Transaction layer Deposit Hold {$3100.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX ET I have deposited their checks before with access the next day. I am being discriminated against, I don't know anyone else locally who is being subject to these one week plus holds! 

I spoke with customer service a couple times and a supervisor who said there is nothing they can do.

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: College Foundation, Inc.
State: NC

Complaint narrative:
I have repeatedly asked College Foundation of North Carolina to look into why i have three derogatory late payments on my credit when i have never been late since have this student loan for over 15 years. It was set on automatic pay. They are refusing to show where they made the mistake and it has adversely affected my credit for the past several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I hold a XXXX XXXX card and my payment is due on the XXXX of each month. On the XXXX or the XXXX when I log on to make my payment, the system is always down. It has happened 3 or 4 months in a row. After complaining I was transferred to an agent in another country. I do not feel comfortable giving my payment information to an agent in a foreign country for processing. I asked for a supervisor and the agent pretended to be a supervisor, and I later found out that the supervisors dont come in until an hour later. He tried to change his voice and threatened me with late fees if I didnt pay him. I refused and he spouted my bank account information off. I do not appreciate them allowing access to my information without my permission. When I signed up for this card the agreed upon payment methods included online self managment. Those options are not being made available to me, which is that I should be able to self manage the account online. I feel this is done intentionally to encourage incurrence of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs. 

There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made. 

I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Constar Financial Services, LLC
State: MO

Complaint narrative:
This company is illegally attempting to collect a debt for a new vehicle that was a lemon. Dealer lied about after market parts stating front foot rest could be moved to mids to sell bike in middle of winter while I was dealing with XXXX after telling dealer I just attended my cousin funeral they used deception and fraud to con me. The bike never started before purchase and dealer promised to put in new battery, they didnt. Bike was delivered and still does not start. Bike has had oil light of since day one and it was a brand new motorcycle. Dealer knew Im a new rider knowing nothing about motorcycles they delivered bike with oil missing to damage motor an attempt to get more money from me. Dealership is XXXX and has cars with confederate flags out front and they discriminated against me during this purchase. Dealer unlawfully added price of helmet, XXXX, jacket and put funds on get gift but charged price into loan to make price of bike higher then suggested msrp. This is a lemon vehicle under Missouri law and dealer has cheated me out of thousands of dollars and ruined my credit report! They stated they wanted {$9700.00} first to settle then collections changed amount to {$11000.00}, constar should be called con artist.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A gentlemen named XXXX XXXX of XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, PA XXXX has called repeatedly trying to collect a debt from someone I have never heard of named " XXXX something ''. I was polite the first few times as we told my number would be removed but they continue call from morning until night.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: NC

Complaint narrative:
I am having an issue with the personal credit reporting agency Equifax. My credit was obtained out of fraud and i had 7 hard inquiries on my credit without my knowledge. The dates and companies are XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have had no issue disputing these fraudulent inquires with XXXX  or XXXX. All i get back from Equifax is that they say it is a factual record. It cant be a factual record when i have not signed any authorization for any one of these lenders to obtain my credit falsely. None of these lenders can prove i signed any intent for credit with them and Equifax is failing to do its job to protect the consumer, which in this case is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: NC

Complaint narrative:
On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX   XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018.

They had reported them on XXXX  on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. 

This is harassment and really need to be taken care of with them due to this being my second complaint. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
A XXXX bill was open in my name I currently a XXXX account holder I have no knowledge of the account that was open in my name I am in the process of getting a house so I needed this to be off my credit report so I just paid the debt in full the debt is not mines I would like it to be deleted off from my credit report since I have no knowledge of this account from fraud with out knowing wasnt giving knowledge of this account until today woke up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP

Complaint narrative:
Repeated phone calls to family members. Called yesterday the XX/XX/XXXX Called XX/XX/XXXX Called XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation