vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 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: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were 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 2019-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Greentree & Associates
State: GA

Complaint narrative:
repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-20 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 has been over 6 months that I have submitted documentation to Equifax  to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax   keeps telling me its one account but I can not verify myself. equifax   continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings
State: NC

Complaint narrative:
I was contacted about being approved for a loan. XXXX Tuesday the XX/XX/XXXX! As I found out yesterday it was fraudulent company! They deposited bad checks into my aaccout, I was told to send the money back to them to improve my credit score so I could get the loan!. Now my bank has closed my account, they informed me it was all fake. I don't know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Ditech Financial LLC
State: FL

Complaint narrative:
Mortgage Company Ditech which held 2 mortgages for properties that I owned reported each and every payment LATE. The mortgages were auto debited from my bank account on the XXXX of every month for 16 years! This year I discovered all payments had been reported late, credit bureau investigated and repaired false info. DITECH STILL reported the last 2 payments as LATE. I have exemplary credit and this is preventing me from obtaining a loan that I need. I called Ditech in the beginning of the loan ( 2004 and was told that there was no issue thought the listed on my invoice that each last payment was late. It is very unfortunate that they would take advantage of the consumer like this. No late fees, no late payments were ever made. Loans are paid off but now last 2 payments still appear as chronically late on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westwood Legal
State: IN

Complaint narrative:
XXXX is the phone number to call and you can not leave a message. I do t know who they are or what they want. I told them to stop calling my work. They say in a voice mail they are suspending my bank accounts and taking tax returns. They do not identify who they are. When I asked when called my work they dont say are. They do not say they are a debt collector. They constantly call my phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received a letter from Bank of America that they closed my card-without ANY indication why. The card has a XXXX dollar balance. However, I never received any notification that they were going to close due to inactivity ( if that is even the reason ). I called Bank of America on XX/XX/19 and they said they can not tell me why but they are going to send me a letter. This is very concerning. 1. Closing a customers account with no notice. 2. Not initially providing a reason why on the closure letter. 3. Still can not disclose information and have to wait another two weeks. Closing a consumer card impacts the consumers credit. If it is for inactivity I have NEVER heard of a card company providing notice to allow the consumer to be active on the card and prevent the closure.

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 2019-07-20 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:
I have contacted tarns union via letter, file 2 complain true this site, they refused to correct an error on my report file number XXXX report date XX/XX/2019 error Inquire XXXX XXXX XXXX XXXX XXXX TN XXXX requested XX/XX/2019 this inquire was never requested by me, I contacted teh company they gave me teh run around copies of recent report attach

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 2019-07-20 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: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX we were alerted to a change in our credit report via XXXX XXXX. This change was from our current mortgage lender Select Portfolio Services. This change was a remark added to the report that said " Loan mod non government ''. SPS bought our mortgage from XXXX XXXX XXXX in XXXX of XXXX. In XXXX we did a loan modification through XXXX XXXX XXXX, which XXXX XXXX XXXX had already reported to the credit bureaus. I contacted SPS on XX/XX/XXXX at XXXX XXXX MDT and spoke with XXXX XXXX. XXXX stated that after an audit of our account they found the modification from XXXX XXXX XXXX and that they are '' required to report any and all changes to the credit bureau even if the modification was not done with us. '' I have filed disputes with XXXX, XXXX, and XXXX to have the incorrect remark removed. This remark makes it look as though we have a new modification with SPS which is not the case, and an old modification with a different lender is now being reported again by the new lender as a new modification. There has been no modification with SPS and we need to have this remark removed from not only my credit report but also from my husband 's credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were 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 non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
I, XXXX XXXX, was in the process of being approved for a short sale with my servicer XXXX XXXX XXXX , XXXX ( XXXX ). 

I was aware that I may have some negotiable contractual issues with the current interested buyer ; however, I was unaware that the Short Sale was denied and or closed. As, my servicer ( XXXX ) did not send any written notice via mail or electronic notices through their on-line portal which is directed to my email. Wherefore, I was unaware that the Short Sale was denied and/or closed. 

On or around XX/XX/2019 I began to receive postcards stating that my home was in foreclosure and would be sold at public auction on XX/XX/2019. 

To date, ( XX/XX/2019 ) I have not received proper notice from the servicer ( XXXX ) stating that my short sale was denied and that my loans was directed to the default department. Nor have I received any written communication to date from the advertising law firm ( Aldridge and Pite, LLP ). 

From my basic understanding of Georgia Foreclosure Laws, Aldridge and Pite, LLP are violating state ( Georgia ) and federal laws ;  including but not limited to the Fair Debt Collection Practices Act. 

Aldridge and Pite, LLP has failed to give notice that they are in fact the debt collector assigned to my mortgage. Aldridge and Pite, LLP has failed to give me notice of the current holder and owner of my mortgage and the amount of debt they are collecting nor was I given the proper time frames per law to question the validity of the debt they are collecting. 

I have checked the Georgia State Public Notices website and it appears that Aldrdige and Pite began to advertise the sale on or around XX/XX/2019. Per state law in order for a sale to be valid it must run 4 full weeks/30 consecutive before the sale date. 

To date, I am not sure if XXXX has denied my Short Sale request and sent my loan to Aldridge and Pite, LLP or if Aldridge and Pite, LLP are working without the direct consent of SPS.

I have sent proper notice to Aldrige and Pite, LLP however, to the best of my knowledge they are still advertising the sale and have not removed my home from the XX/XX/2019 sale date foreclosure list. 

Which is why I am composing this complaint because XXXX as well as Aldridge and Pite, LLP have violated several state, federal and consumer protections laws. 

Cordially, XXXX 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 2019-07-20 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: MD

Complaint narrative:
My husband and I filed a dispute with Equifax and XXXX about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : Bankruptcy XXXX XXXX, 2011 {$0.00} Discharged XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, 2011 Classification Bankruptcy Type Individual Responsibility Joint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

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 2019-07-20 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: GA

Complaint narrative:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: GA

Complaint narrative:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

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 2019-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My husband and I filed a dispute with XXXX and Transunion about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : BankruptcyXX/XX/2011 {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XX/XX/2011 Classification Bankruptcy Type Individual  Responsibility Joint

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 2019-07-20 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: Conn's, Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wyoming XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sent company Sun Loan XXXX XXXX in XXXX XXXX tx XXXX certified mail to cease all communication and harassment with me, family, friends and place of work on XX/XX/XXXX. ( have proof if needed ). Also talked to some one from company on XX/XX/XXXX after they called my work place to talk to my supervisor they were again told by me to stop calling my place of work and stop harassing me and that I knew they received by certified mail cause tracking service showed they received it on XX/XX/XXXX. They still continue to call my place of work as well as others listed ( also have proof if needed ) or will upload if needed.

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 2019-07-20 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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation