vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 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: IL

Complaint narrative:
I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported. 

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
After trying to sell my home for 5 years, I finally moved renters in XX/XX/XXXX to cover most of the first and second mortgages. In XXXX of XXXX, they moved out and I have fallen behind on 7 months of payments for the 1st mortgage and HELOC. I have a buyer for the home. Rushmore Loan Management Services has my HELOC, so in XXXX they had an appraisal done on the home and asked the realtors to reduce their commissions and send a new closing statement. We did all that. Rushmore 's  appraisal came in at {$550000.00}, My contract to sell is for {$550000.00}. NOW Rushmore says no we are not going to let you sell the home, you have to just let the first mortgage foreclose, we will NOT sign off. They have put me through months of stress and I am a senior. Do I have any recourse since they are forcing me into foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX I attended high tech institute in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I  got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped XXXX points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave XXXX   to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay Lexington law to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: CA

Complaint narrative:
In XXXX I attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on XXXX  XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was XXXX XXXX, they would send forms for my XXXX to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and XXXX! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Upon viewing the citibank promotion in XX/XX/2017 I was meticulous about performing each requirement within the time frame stated. I called customer service to insure that I was clear about & had read the fine print accurately. 
The requirements were : Open a new regular checking account by XX/XX/17 Satisfied. 

The promotion required that a $ XXXX deposit stay in account for 30 days. 
Satisfied Within 45 days of account opening initiate one direct deposit or perform {$250.00} amount of purchases with citibank debit card. 

( Citibank 's own materials state : your account is opened after 4 simple steps : ) 1 ) tell us about yourself 2 ) signature that agrees to terms/disclosures 3 ) verify identity 4 ) fund your account.

It states the 4 steps necessary to open an account ; in my case all 4 were not satisfied until XX/XX/17 thus making XX/XX/17 the day of my account opening. 

By XX/XX/XXXX I had fulfilled making the {$250.00} debit card purchases, which was within 45 days of my account opening on XX/XX/17. 

The problem is Citibank is saying the debit transactions were not made in time- ( 45 days from account opening but they were ) My first contact with Citibank was in a phone call on XX/XX/2017 ; after the fact they are saying the debit transactions were needed to have been made 45 days from that date. But the promotion says 45 days from account opening and Citibank 's own materials say an account opening happens after you do 4 steps one of which is to fund your account- which wasn't done on XX/XX/XXXX- it was done on XX/XX/XXXX ; therefore making XX/XX/XXXX my account opening & debit transactions were successfully performed 45 days from XX/XX/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 monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
COMPANY CALLED A FAMILY AND DISCLOSED A LATE PAYMENT I HAD WITH THE COMPANY TO THEM WHILE I WAS STANDING NEXT TO THEM. ALSO ASKED FOR THE FAMILY MEMBER TO REACH OUT TO ME FOR PAST DUE PAYMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Card was left lost stolen not in my possession. 
Used for XXXX withdrawal. 
At not my atm bank but one across the street. Didn't notice it missing till next day. Called bank. 
Pending even though money was taken. 
Somebody stole it used it not for credit but cash can't figure, i didn't even have a pin mu, bed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax refuses to accept documentation from me from XXXX XXXX stating that the bankruptcy does not belong to me I have contacted them today XX/XX/19. 

I have attached some documents from XXXX XXXX I want the bankruptcy removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I open up four cds account with US bank for over $ 30k over ten years.i didnt close my account or withdrawn the balance.i just left my funds in the bank and didnt made too much contact thinking my funds is safe.i just discover the bank have no record of my account and they didnt sent my funds to unclaimed property.i currently still have a saving account with them and on my profile they have no trace my account even exists, my last 1099 I received was in XX/XX/2010and I moved XX/XX/2010, the bank is saying maybe I closed my account and its my fault because I should have been checking my account and they dont have to anything since my account is over 7 years old

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: IL

Complaint narrative:
I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported.

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
1. I was repeatedly receiving calls from NCB Management at home, and on the work phone. I sent NCB a letter on XX/XX/2019 ( attached ), advising them to : ( a ) stop calling me at my place of business, as my employer forbids this. 
( b ) stop using deceptive practices such as using local numbers for out of state collection companies. This deceives the intended recipient into thinking it is someone local. The collection agency does not have a local or instate office. 
( c ) On XX/XX/2019 I received a letter from NCB that stated in writing they I would no longer receive calls from them. ( attached ) ( d ) Despite receiving the above letter of XX/XX/19, on XX/XX/2019 I received a phone call from NCB, on my work phone, again using the same local deceptive number. I took a cell phone picture of my work phone ( attached ), which clearly shows the date and time. 

2. I never received a notice of validation of debt from this debt collector when i asked for it again in writing on XX/XX/19 ( attached ), I still never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I received the debt collection letter for {$780.00}. The creditor is the apartment I have moved out 5 years ago and I have confirmed that I didn't own them any amount when I was moving out that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account currently shows I was in a Collection/Negative status for the months of XXXX and XXXX of XXXX. My account has been refinanced and paid/closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account currently shows I was in a Collection/Negative status for the months of XXXX and XXXX of XXXX. My account has been refinanced and paid/closed since 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 2019-07-08 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: TN

Complaint narrative:
I submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX  deleted the inaccurate information, Equifax and XXXX would not delete the inaccurate information. Equifax and XXXX  said their information was verified as accurate. The third party company ( XXXX XXXX ) in which XXXX and Equifax claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested XXXX and Equifax remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which XXXX and Equifax say they are getting accurate information is stating the information is not verified and accurate how can XXXX and Equifax report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my XXXX  and Equifax reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTRON, INC.
State: NC

Complaint narrative:
In XX/XX/2016 I saw a Dr. at XXXX XXXX XXXX in XXXX, Ga. for a routine visit. Upon his questioning about my sleeping he suggested I take a " sleep test '' I was sent home with a mask and some vague instructions how to use it. I was to sleep with this on for 2 nights and return it for a diagnosis. After attempting to use it for a few hours the first night and not getting any sleep at all I notified the Dr. the next day. I was informed not to " worry about it '' and just return it, which I did that week. Soon after, I received a bill for over {$600.00} for " services '' I complained to management at the medical group several times to no avail, they continued to charge me and I continue not to pay for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: DISCOVER BANK
State: NC

Complaint narrative:
Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice. 

Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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: NY

Complaint narrative:
On XX/XX/XXXX I discovered that there was a TJMax card taken out in my name in XXXX of XXXX. The charges were XXXX on XX/XX/XXXX. I called the company and closed the card and I reported to the 3 credit bureaus. There is currently an investigation going on. However, the company allowed the person who committed fraud to make a payment to be made. 

The payment came out of my fathers checking account. This company has not helped with this situation and hasn't locked the account so that no further payments will be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
On XX/XX/2019 I submitted a complaint via mail regarding inaccurate information on my consumer report. I had also submitted information via online on XX/XX/2019 I submitted a dispute with documentation. There is a judgment on my consumer report that does not match my name it is similar however it is not me. I also have a bankruptcy that is due to identity theft I submitted the FTC report, letter from the bankruptcy court advising that the information is inaccurate. Lexis Nexis states that they have verified the information but from where and with what documents. I have documentation to dispute their claims of validation.

Company response to consumer: Closed with explanation