vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 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: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15  U.S.C.  1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611   (  a ) (  5 )  ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.     Under the FCRA  15 U.S.C.   1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   Consumer  XXXX  Unverified Account  XXXX   XXXX   XXXX   No acct # reported Unverified Account-No Contract

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have been a custom er of CitiMortgage  since  XXXX  on my mortgage.   I have NEVER had a late or missed payment. Payments were auto-drafted and never had a problem from  XXXX  to  XXXX .   My mom got sick and I had to move in with her to help. I could not afford to keep up  XXXX  houses. I contacte d CitiMortgage about selling my house in a short-sale, as I had a buyer and contract. I had 4 extensions on the contract to sell my house due to CitiMortgage 's inept system. I was told that " bankruptcy cases were worked first before short-sales, '' so my file was not as important. My buyer was put on hold for 13 months. He really wanted that house because his brother lived next door. I was in constant contact with CitiMortgage and did everything they asked for promptly. An appraisal they requested listed much false information ( wrong county, wrong information about my house ) which I caught. I asked that it be corrected which took several months and phone calls. Then I was told that CitiMortgage hired new workers and they had to go to training. More months went by. CitiMortgage sold my pap ers to  XXXX   XXXX  Mortga ge   ( Loan No   XXXX   ).   XXXX  Mortgage wanted me to start the process all over again. After 13  months of waiting on CitiMortgage, I was forced to file bankruptcy. Meanwhile, CitiMortgage continued to charge me interest on my house loan for 13 months when it should have only taken 3 months for a short-sale approval. My realtor and mortgage lender for my buyer are furious!!! Several months into the process CitiMortgage 's representative warned me that it could take several months longer if I insisted that this be handled through attorneys. So I waited it out.    It appears that they made money by making my life miserable, along with my buyer, his mortgage lender, and my realtor.   After  XXXX  Mortgage asked me to start the process over, I could n't do it emotionally or financially. My house is now in foreclosure and I have filed bankruptcy. The amount  XXXX  Mortgage attorneys say I owe is {$81000.00}, which is severa l thousand dollars more than it should have been. I take the financial hit, my realtor has over a year of wasted time with no money received for her work, my buyer has no house after waiting for 13 months, and his lender has wasted time without any punishment for CitiMortgage. Incredible!    Who can make this better? Who has the power to punish the big companies?

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 2017-06-08 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: HUNTINGTON NATIONAL BANK, THE
State: AR

Complaint narrative:
On  X/X/2017  I received a letter from The Huntington National Bank.
This letter requested that I send them {$3300.00} within 30 days in order to implement a loan.
I have never applied for a loan with this company. I have never heard of this company.
The reasons stated for requesting the {$3300.00}. was allegedly because my credit report that Huntington National Bank requested from  XXXX  was so negative.
I have checked with   XXXX   and our history has always been clear of all problems Huntington National Bank wrote that the following reasons attributed to their request for money from us : A : " Low credit score of   XXXX   '' Nonsense ... .We have an Excellent credit score of  XXXX  B : " The number of our accounts with delinquency is to high '' Nonsense ... ..We have an impeccable history ... .no delinquencies ... ever ...
<P/>
C : " To few accounts currently paid as agreed '' Nonsense ... ..Our credit reports, dating back as far as you want to look, including their alleged source,  XXXX , show all accounts have always been paid as agreed D : " Length of time loans have been established '' Nonsense ... ..We only have   XXXX   loans plus credit cards that are paid in full every month.
<P/>
I talked to Huntington National Bank this morning and expressed my concern that : # 1, I did n't request a loan with them ... .ever ...
# 2- the information contained in their letter to me regarding our credit is highly inaccurate.
I made it clear that my credit reports had better not reflect anything due to Huntington National Bank invalid and inaccurate statements.
My wife and I take great pride in maintaining our credit ratings and are offended by the misuse by Huntington National Bank of our credit history I 'm concerned that it might be possible for a bank to prey on the elderly and with intimidation, force loans that were never applied for.
<P/>
My phone discussion with bank personnel did nothing to assure me they were the least bit concerned with what I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: IN

Complaint narrative:
I have sent letters to  Trans Union,  XXXX  and  XXXX  requesting that inquires made to my credit be removed.  XXXX  and  XXXX  has removed the fradrulant inquires however Trans Union has failed to  do so. I have  XXXX  inquiries that I have asked to be removed starting  XXXX    XXXX   until now  XXXX   XXXX    XXXX   when I realized they were there. The inquires still remain and is ruining m y credit score.  The following inquires should be immediately removed :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
FACTS : withXX/XX/XXXX for 12 Years. <P/>Every Two Years Had to fight to keep my bill from Spreading like ....
I am extremely disappointed in the " 100 % Bill increase each and every two years, '' they try to get over on consumers. This is very bad business practices disclosed or not. <P/>Before my contract is up I have to tell XXXX, I am leaving in order to get back a closer rate. My contract was coming to an end back in XX/XX/XXXX I had called them several times before that date to try to get my bill under $ XXXX month. <P/>When I saw XXXX XXXX ad and I left forever. It was exactly what I was experiencing with XXXX. <P/>I Switched over to XXXX - ( No Contracts ) I was send to Convergent collections for Agreement/ Contract breech by XXXX . <P/>I requested the Tape Recordings from XXXX on the day that they claim I was locked in another 2 years. I called XXXX yesterday and was forwarded to collections. I gave my personal information to Convergent Including my SSN to stop this matter on XX/XX/XXXX. Convergent told me I was not in the system on XX/XX/XXXX. <P/>
The next day XX/XX/XXXX I started receiving calls from Convergent. I was told they are attempting to collect a debt. I told them do not call me ever again but rather put it in writing only. Additionally, I told them dispute the amount and that I wanted proof of the contract by tape recordings with XXXX. I 've asked XXXX on four separate times for the proof of contract extension. <P/>I filed a BBB complaint yesterday when this still went unresolved. New York BBB. Complaint # XXXX on XX/XX/XXXX I will sue in small claims court each party separately if this matter is not closed. <P/>I am documenting each step of the way as I build my case against XXXX and the Collection company if need be. Please let both companies know there potential liabilities. <P/>Respectfully Yours, 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 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in  XXXX  and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On yesterday, XX/XX/XXXX @ XXXX and " again '' @ XXXX I contacted Bank of America ( Automated System ) to get my daily balance ( as I do everyday ). According to Bank of America 's ( BOA ) automated  system there were 5 transactions that reported " CLEARED '' to my checking account on XX/XX/XXXX in the following order : 1 ) $ XXXX-CLEARED ; 2 ) $ XXXX-CLEARED ; 3 ) $ XXXX-CLEARED ; 4 ) $ XXXX-CLEARED ; AND 5 ) Check # XXXX in the amount of $ XXXX-CLEARED leaving my daily balance @ {$31.00}. Yesterday, I made 2 deposits totaling : $ {$36.00}. However today,XX/XX/XXXX @ XXXX, the BOA automated system reports the " exact same '' following transactions as " PENDINING PAYMENT '' with {$35.00} charged to each 1 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 2 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 3 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; .AND 4 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed. I am DISPUTING, the 4 separate {$35.00}  fee 's assessed totaling : {$140.00}. I am also DISPUTING, the two other {$35.00} fee 's assessed for  Check # XXXX in the amount of {$62.00} and Check # XXXX in the amount of {$55.00}. According to the BOA female representative ( today, XX/XX/XXXX prior to my transfer to XXXX ), CUSTOMERS have until XXXX the next day to submit payment before fee 's are assessed. However, fee 's are already assessed to my account for the two checks that were processed overnight last night Check # XXXX ; and # XXXX ( prior to XXXX ). When I spoke with XXXX today, XX/XX/XXXX he credited my account with 2 of the assessed fee 's of {$35.00}. I am still, a VERY DISSATISFIED BOA CONSUMER. BOA, have reported transactions ( via the BOA automated system ) in error which caused my account to be in a " NEGATIVE '' status. The BOA automated system reported transactions as " CLEARED '' when they had n't " CLEARED '' causing complications with my account. I am requesting, that BOA correct THEIR error 's by crediting all of the improper fee 's assessed to my account for their improper reporting 's on yesterday, XX/XX/XXXX as " CLEARED '' items. I check my account ( via the automated system because of previous ID theft via the internet on-line banking ). This problem is a daily occurrence where transactions are reported as " CLEARED '' when they really are NOT. Sincerely, 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 monetary relief
Consumer complaint received 2017-06-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to respond to several inquiries about collection accounts and also change my address, failed to confirm a debt, e tc. 1 ) I have sent experian more than 10 letters in the last seven months about inaccuracies on my credit report as they are reportin g a bankruptcy and  XXXX  collection accounts (   XXXX   XXXX   ) and  XXXX   XXXX   XXXX  ) that do not belong to me. I have never filed Bankruptcy. I asked them to verify this information and at first they would not respond. then they sent a letter saying thy verified. When I called and explai ned the county  could not verify it for me and I have documentation they told me to mail it to them which I did but nothing changed. In  XXXX  and  XXXX  they also added  XXXX  collection accounts that do not belong to me. I asked them to verify and they claimed they did. When I contacted the companies they did n't have the right person nor the right address. ( They did n't even have the correct state ) I contacted Experian via phone and mail and they have done nothing. These  XXXX  negative items are severely hurting m y credit score. Even with putting my correct address on my report has been an issue that takes 3 or 4 letters, 4-5 calls and copies of my lease, pay stub and drivers license.

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 2017-06-08 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: OH

Complaint narrative:
These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of XXXX if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: OH

Complaint narrative:
These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of  a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 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 non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
I am struggling to pay my mortgage due to a decrease in income and a divorce which has increased my expenses and support requirements. The situation became unmanageable for me in late  XXXX . On  XXXX   XXXX ,   XXXX   I submitted a loan modification request package to  XXXX ,  XXXX   (   Atlantic Bay Mortgage ) by mail. I was supposed to receive word in 30 days on the matter. I waited u ntil  XXXX   XXXX ,   XXXX   to call them and was told I had n't supplied all the requested documentation and then was sent a back dated letter concerning that. I sent requested documentation in numerous times by fax or mail and was told things were missing that I had sent. I about gave up on the process after I received a notice once again on  XXXX / XXXX / XXXX  that the package contained expired information. They seem to be trying to prevent my application from being considered by having a 30 day window in which I receive notice to supply further information and when sent, they then say other documentation has expired. To prevent that, I submi tted via US Mail  with signature confirmation a complete new package with all current documentation requests on  XXXX   XXXX ,  XXXX . The package including the application  was 44 pa ges. I called on  XXXX   XXXX ,  XXXX  to inquire about the matter and was told they had received documentation, but it was expired even though it is the latest available such as bank statements. The agent hung up on me when I insisted all documentation requested including the current bank statements was in that package. I believe  XXXX -Atlantic Bay is deliberately mishandling my paperwork to prevent processing the home loan modification. I had a friend who experienced a similar scenario with their lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX  EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.

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