vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I've been disputing this XXXX Account with XXXX for 2 years and explaining to them that my identity was used fraudulently by a family member. I've sent in copies of my police report on numerous occasions showing this and they in fact verified they received my information to confirm that my identity had been used fraudulently. They FLAT OUT REFUSE TO REMOVE IT FROM MY CREDIT FILE. I've called, sent in certified mail and done regular mail and NO REMOVAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: NJ

Complaint narrative:
In 2016 my husband and I had a family circumstance causing us to fall behind on our mortgage. We attempted a loan modification but the mortgage company threatened foreclosure. We were afraid we would lose our home and filed for Ch XXXX bankruptcy. Right after we filed the mortgage company agreed to a modification. We dismissed the Bankruptcy because we no longer needed to do it. We never had to pay any trustee payments because the modification was resolved right after we filed. All 3 credit reporting agencies have the bankruptcy on mine and my husbands credit reports. Its destroying our credit and we never had to participate in the bankruptcy as we voluntarily dismissed it. Weve disputed this with the 3 credit bureaus and they refuse to remove it from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a LEGAL older XXXX and resident of the United States since XX/XX/XXXX. 
I have a small sole proprietor design and remodeling business. 

In late XX/XX/XXXX and followed up last year, XX/XX/XXXX through marketing I received an offer for a a revolving line of credit by Bank of America for my small sole proprietor business, with the words that I qualify. 
Despite having a average stellar credit rating in the 800s and an enthusiastic encouraging preapproval, I got turned down by the bank after applying with the argument that I have to high payment obligations. When asked they said I have a mortgage payment of {$1900.00} a month. Although my average monthly gross receipts are more than sufficient the bank would not budge and insisted on a credit report Fact is I never applied for mortgage and I never held a mortgage. there is no such monthly payment obligation and I never have ever made such a monthly payment neither have I ever received any letter claim or collection of such. 

Even stranger but obvious to me, checking all 3 credit reports I do not show any mortgage or such payment obligation. All I got was a hard inquiry knocking me down by 10 points due to the bank inquiry. 

Bank of America so far has denied my request to see this report. 
Obviously it is pointless for me to file a complaint against a credit reporting agency for something that does not exist!

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been sending letters on and off to TransUnion since XX/XX/2019. I have attached all letters sent along with the certified mail receipts. I filed a complaint with the CFPB on XX/XX/2019 ( complaint # XXXX ). TransUnion responded After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our customer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB I am still yet to receive a response for my complaint or a response from any of my dispute letters. TransUnion has not followed through with their responsibilities and I have wasted a significant amount of time trying to get them to respond. This is my last attempt at contacting them before reaching back out to my Lawyer, I have done everything he recommended.

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
The mortgage company is not applying additional monthly principle payments to the balance of the loan. They are trying to drag out the loan and cost us money. This has happened three months this year. I have had this problem more than three times this year. Attached you will find THIS months issue. A single additional payment of XXXX was made. The amount was too large for them to apply. They ended up trying to pull another XXXX on top of the original amount. They are now trying to charge a bad check fee. Our bank stated that they are consistently having trouble with this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TX

Complaint narrative:
I received a copy of my credit report and noticed that Equifax and XXXX are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department This non qualifying inquiry is reporting on TransUnion. None of which are including a Firm line of credit, result of insurance, result of employment request, apartment application, nor court ordered by this creditor. Therefore this inquiry is inaccurate. Which is a Fcra violation for deletion within " 30 days ''. Im specifically requesting deletions for the following Inquiry on my Credit Report below. 

Delete XXXX XXXX XXXX XXXX  XX/XX/XXXX because it is a non quailing inquiry. It is not reporting with a firm line of credit attached, apartment application, employer request, insurance, nor court ordered by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in Cushman v TransUnion ''. The courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company : Synchrony Bank Credit Card : BP Visa Description : Moved from XXXX   to XXXX. Disconnected land line in XXXX. Set up land line in XXXX through XXXX XXXX XXXX cable, phone, internet ). Cell phone through XXXX XXXX. Synchrony Bank uses cell phone to call regarding late payment. Refuses to use same phone number for identity verification. Claims that their outside agency does not verify that number as part of their system therefore they can not use that number to call me with an identification code. Asked them to call land line but had the same issue. Stated that they could send me a link to the number that they were calling me on to demand payment and I could take a video of myself with my identification card and send that back to them. Told them that I had never taken a video of myself in my life so that their system might work for some but was not working for me. Was told that they could send me a letter which would arrive in a week and them I could call them back and they would update my telephone information if I could tell them what was in the letter. 

Issue : Synchrony Bank has instituted a system that discriminates against senior citizens. I have a cell phone but it is not good enough for them because as a company that targets seniors, XXXX XXXX is not worthy of being in their verification system. If they are supplied with a cell phone number by the customer that they use for collection, they also need to use that phone for identification verification.

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
On XX/XX/2019, I received a letter confirming the intent of Rushmore LM to provide me with a repayment plan agreement. The first installment was a down payment of {$2000.00} due on XX/XX/19. ( Incidentally, I did make this payment as per terms. ) Nontheless, the mortgagor 's attorney and forwarded a Notice of Seizure to the Sheriff 's Office, mandating the sale of my primary residence, breaching our agreement. I was served on XX/XX/19.

I contacted the attorney and mortgagor, but a cancellation of this notice remains on-hand by the sheriff, who will not release this order. I request a full cancellation given that the foreclosure process was taken to additional steps while I was in agreement.

This began after I successfully completed a Trial Modification and was allowed to begin an initial payment plan. The plan offered ( in XX/XX/2019 ) included a Petition of Foreclosure and Sheriff fees at a time when nothing had been filed ( or was in the process of filing ) with the Court. I asked that these fees be re-evaluated given that these legal actions were not taken and fees had not been incurred. Rushmore continued to accept my regular full payment amounts, sent me another Trial Modification package to complete, and then proceeded to file the petition with 10 days of sending the Modification information. I was 101 days past due and making payments at that time. I have faxed my request for re-assessment, and even though I have proof of transmittal, the refuse to acknowledge my request.

The lender has repeatedly refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding, LLC representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$3100.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY IMMEDIATELY.

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 2019-09-16 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: FL

Complaint narrative:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REPORTING NEGATIVELY ON MY CREDIT REPORT : DEPT OF ED / XXXX - XXXX, ALL THREE OF THESE NEGATIVE ACCOUNTS ARE REPORTING 120- DAYS LATE. PLEASE REMOVE THESE ACCOUNT AS FOR THE FACT THAT THEY ARE OLDER ACCOUNTS FROM 2014, NO CHANGES HAVE BEEN MADE, THEREFORE, I NEED TO FIND THE REASON WHY THIS IS HAPPENING TO ME? I NEED REASON 'S SO WHY IMMEDIATELY.

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 2019-09-16 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/19, I opened a new credit card account with XXXX XXXXXXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and Trans Union and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.

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 2019-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/19, I opened a new credit card account with XXXX  XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXXXXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on Equifax and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX due on XX/XX/XXXX. did not receive funds. Called Ally Bank on XX/XX/XXXX. Received funds on XX/XX/XXXX, short interest of {$21.00} ( 3days from XX/XX/XXXX to XX/XX/XXXX ( {$120000.00} x 2.15 % x 3 days )

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 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: AK

Complaint narrative:
My credit report indicates that I owe {$2300.00} as of XX/XX/2017 to a collector by the name of Deville. 

I am not entirely sure where or how this debt originated from. I do not fully understand what the amount I supposedly owe is from. I need further clarification. To my knowledge I have never received documentation from this company nor any other correspondence of any kind. 

I have tried to contact this company via the phone number provided on my credit report, but have not been successful in speaking with a representative. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC representing XXXX XXXX XXXX XXXX. l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/19 amt {$760.00} XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and noticed that XXXX and TransUnion are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!

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