vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 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: TX

Complaint narrative:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and XXXX 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : Transunion 3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX   and Transunion 4. Account Name : XXXX XXXX XXXX   Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and TransUnion

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and Experian 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Experian and XXXX 4. Account Name : XXXX XXXX   GROU Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX and 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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I noticed two collections on my credit from ARS Collection agency. I disputed it because my insurance paid it. I requested validation from ARS and sent them proof that the account was paid by my insurance. ARS just ignored my request and dispute. They continue to report the errors on my credit file. It has been 90 days and they are still ignoring my requests.

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 2019-12-06 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: I.C. System, Inc.
State: MI

Complaint narrative:
I C System is reporting an account that does not belong to me of {$340.00} to XXXX  and XXXX, I have never had any accounts with this company and this is not my account. Stop reporting bad information.This is harming my credit!!

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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have an account for collection from a XXXX account that I'm not aware. I've been victim of id theft and several accounts have been opened in my name. I have a credit freeze since XX/XX/XXXX to avoid this situation, however, XXXX have been opening accounts in my name. This same account was deleted XX/XX/XXXX thru other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the  FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: FL

Complaint narrative:
I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XXXX of XXXX I am not sure how this happened as I did not graduate until XX/XX/XXXX and had 6 months grace period before being required to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America would not recognize my retiree status for the purpose of facilitating the free checking account offered in the Personal Schedule of Fees online for my Advantage Tiered Checking Account. I maintain that the waiver of monthly maintenance fee is a banking fee schedule, not a pension benefit. 

The Personal Schedule of Fees defines Employees and Retirees that are eligible for the waiver of the monthly maintenance fee as " retirees with at least 10 years of vesting service, and age plus years of vesting service equal to at least 60 ''. 

Facts : I have 24 years vested service. I am XXXX years old. My pension is from Bank of AmericaXXXX which has the Bank of America name on our benefit website, on my direct deposits and on the pension booklet they sent me. I left employment at age XXXX plus 24 years vested service is greater than XXXX. 

Bank of America acquired my banking deposits and credit accounts, our local ATMs and branches, and my vested pension obligation. The acquisition of XXXX Bank and the related subsidiaries gave Bank of America the opportunity to create new pricing, close branches and ATMs and set lending rates, certificate of deposit rates as they saw necessary. They put their name on it all, so I don't believe the Personal Schedule of Fees should be applied differently to retirees with the Bank of America - XXXX versus other Bank of America pensions. It is a banking fee schedule, not a pension plan. 

They declined my request because I was not age XXXX when I left employ of XXXX XXXX XXXX XXXX  and that I was not in their employ in XXXX when they began providing waiver of fees to retirees of B of A. I became subject to every change they ever made to the Personal Schedule of Fees, so I want the retiree status they advertise. I've worked through my local branch office XX/XX/XXXX, XXXX XXXX XXXX, Employee Relations and B of A 's impossible phone routing robot system for two full months. Tickets were opened and closed due to inability to find records and are still being denied. 

I want the regulators to know how Fee Schedules are not applied for retirees benefit. I'm out hours of my life chasing this and over {$6000.00} of banking fees they expect me to just concede and pay in the future. I closed my accounts on 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 2019-12-06 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
M & M credit is reporting an account that does not belong to me of {$150.00}. I called this company and have never done any business with them. I have no knowledge of this account and it is negatively impacting my credit worthiness. Stop reporting this information to my credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I have been having issues with Equifax for a number of years ( primarily with their identification questions, which tend to have nothing to do with me ), but my most pressing problem at the moment is my inability to freeze my credit report, either via telephone, app, or website. I have made numerous attempts to log into the service ( and have changed my password several times ), with no success. In XXXX, Equifax mailed me a special identity-confirming code, which failed to grant me access. At this point, I fear that it I were to successfully freeze my report, I might not be able to un-freeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I had to file a previous complaint in order to even get XXXX to contact me. Once they finally contacted me I negotiated a settlement of debt. They have reported to the credit bureas that I made a payment and not that the debt has been settled. They are still reporting that a balance is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: ND

Complaint narrative:
I applied for an XXXX Mortgage Loan thru Navy Federal Credit union. 

I more than covered the LTV with them and settled an old account before applying for this loan. 

I also made attempts to rectify any difference which they have not even called me about to discuss. 

They also denied my application based on false information they set in motion on my credit report which should have been satisfied by them. When I called, I was told by an agent that I still owed XXXX cents!!! Insane. 

They were also suppose to send me a letter to state I have settled the account and has not yet done that either. 

I feel I am being discriminated against and that they are retaliating against me for an old account I worked to settle with them and did this year. 

If I knew this would not settle the matter? and that they would hold it against me? I wish they would have told me that and I would have chosen a better pathway. To be clear, I did not! file bankruptcy which I could have done, I instead did my best to pay and settle the account which I did for more than {$6000.00} I sent in an appeal and reported it to the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I received a phone call from XXXX, thinking it was family, I called the number back to find out it was a debt collector trying to get paid for a 14 year  old debt obtained through identity theft. I got very upset most of all, because they gave out the last 4 digits of my social security number before they knew who I was and I went off the deep end. I questioned them of how they got my social security number and why they had given it out and I did not let him get a word in edge wise because I was mad, and yes I said some bad work. I also told them that I better not find it on my credit report as a new account owed, I have one on there that did this and it is still on my credit report, and then I hung up on them. I did call them back to get the company name, because I don't remember them giving it to me. A women answered the phone this time and said her name was XXXX and I asked her to spell it and she asked if I had just called and I said yes and I want the address to the company, she kept asking questions while I was asking for the address and she would not give it to me and told me to answer her questions and I kept asking for the address and she said that it was being recorded and I told her good and told her the same thing I told the first person. She hung up on me. They should not be giving out any part of someones social security number at all. I am going through a problem with identity theft right now, and them giving this information out is not good, a lot of companies ask for the last digits of your ss #, but they don't give it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My Walmart credit card was closed. It was with XXXX XXXX. It was transferred to Capital One. They REOPENED it and designated it as delinquent, and reported it to the Credit Bureau, ruining my credit rating. They call repeatedly every day over and over and over to collect 'past due ' payments on a CLOSED ACCOUNT that they reopened. I have tried to make arrangements, but they ignore me. They continue to call after I asked them to stop. They continue to add fees on a CLOSED ACCOUNT that THEY REOPENED. I find their collection and business practices SKETCHY AS XXXX. 

If they continue to call, I will take legal action. I will sue them for a larger amount than I owe on this CLOSED ACCOUNT THAT THEY REOPENED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Cavalry SPV I , LLC XXXX XXXX XXXX XXXX # XXXX, XXXX NY XXXX - Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX I - XXXX XXXX XXXX have been paying on this account ( XXXX ) since I had it. I only missed 1 payment, it was actually just late. My husband was in the hospital for XXXX XXXX XXXX. I got a call from XXXX collection & threat of a lawsuit. I have been paying {$55.00} a month, because that is all I can spear. My Social Security Check pays the rent & my husband 's job ( finally makes {$12.00} hourly XX/XX/XXXX ) pays utilities, medical & prescriptions, groceries etc. I lost my wallet in XXXX, and had to report the lost to the bank & other agencies. The bank we used has changed names 2 times ; and we have been homeless about 3 times since XXXX. An address change was submitted to the Post Office. I never stopped paying this bill. I only have proof of payments for the last 2 years XXXX & XXXX. Some of the payments went to XXXX XXXX XXXX ; some went to Cavalry SPV I. Your negative reporting is keeping me & my husband from getting into a less expensive apartment in a Senior Living Community. Please remove your negative comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, I have tried to work with current mortgage servicer, Select Servicing Portfolio to reduce my monthly payments around $ XXXX/month as I have had a significant income reduction and they have not been cooperative. 

When they did propose a new payment, it actually went up substantially to over $ 2k/month around $ 2,800/month. 

I want to keep the property and they have not been cooperative and are quick to assign the account to a foreclosure process to some attorney, whom I am not even aware of.. 

There is an account relationship manager, whom I have spoken with once to mitigate this situation. 

They are basically illegally trying to foreclose on this property and when they took over the account from XXXX XXXX, there was a discrepancy in the mortgage balance and they have yet to give me a clear answer on the actual principal balance and have insisted that I'm behind by 2 months. 

I have asked them for payment history and trying to work with them to resolve any discrepancies with principal balance taken over from XXXX XXXX. 

Meanwhile, also to resolve the situation as they're trying to illegally foreclose on the property in spite of the fact that I have made some form of payment even if it's not full payment every month. 

I have not received a sale date or whom has the account currently, whether a law firm or someone else. 

I have sent them the mortgage assistance application and they made their decision without fully analyzing the situation as I was told from a Customer Service representative. I was informed of this over the phone not an actual letter of their decision outcome based on what factors. This lender has been not very transparent with the interaction I have had with them. 

Thanks for your assistance..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
two account XXXX  and a XXXX XXXX accounts are reporting under my name, which do not belong to me, these are inaccurate information reporting under my name, i have made a complaint any times with the XXXX  and equifax. 
please help me to have these stressful situation ends. i have also filed a FTC report and sent to bock agencies many times. 
XXXX is reporting discover and a wells fargo account and equifax is reporting a bankruptcy that i had never filed. 
please help me in this situation. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: NY

Complaint narrative:
I have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my XXXX   because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account

Company response to consumer: Closed with explanation