vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

( XXXX ) INITIALS : XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX XXXX   XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX  ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwicker & Associates, P.A. filed a lawsuit stating XXXX XXXX is the Plaintiff, with me being Defendant for a debt I do not owe. In XX/XX/2010 I paid XXXX in full, {$8000.00}, I have record from my credit union as well as a credit report with a reported XXXX  balance due. XXXX continued to report a balance and we disputed, then charging off/writing off their so called balance. This debt went to three other debt collection agencies and none of them could prove we owed debt either. Zwicker then purchased it.from one of the collection agencies. Many phone calls from this company that were threatening both to myself and my family. They then filed a lawsuit for a balance of {$1600.00}, we have asked numerous times for debt validation, explanation of why the balance is {$1600.00} and proof that XXXX still owns this debt after charging off on their books and writing off for profit and loss and receiving a tax break for it. Zwicker & Associates have been in direct violation of my rights both state and federal breaking numerous FDCPA laws with their bullying and unethical tactics.We are waiting for mediation in which Zwicke & Associates has cancelled twice, I'm assuming after reading my answer to suit which they wetre n't expecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
XXXX  XXXX And XXXX XXXX  XXXX XXXX entered into a merger XX/XX/XXXX. After the merger I stopped receiving Bill 's and EOBs from services at XXXX  XXXX. I was informed by XXXX  XXXX staff on XX/XX/XXXX, that a {$360.00} credit was somehow added to my account and was advised not to pay any bill 's I received until this balance is resolved. I have made multiple phone calls to XXXX  XXXX and third party billing agency, and nobody can reconcile the balances between XXXX  XXXX office and third party billing. It is not possible for me to calculate what I actually owe with the information I was given. I have not received a correct bill from XXXX  XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: NC

Complaint narrative:
The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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:
I called Equifax and XXXX and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: LA

Complaint narrative:
On XX/XX/XXXX I requested Experian to investigate the XXXX XXXX XXXX account ( account number:XXXXXXXXXXXXXXX ). It is reporting an inaccurate late payment on XX/XX/XXXX. I received results from Experian saying the account was reporting accurate. According to the results I received from Experian, the account was last updated XX/XX/XXXX. This means Experian has never conducted an investigation for this account. 
This is a violation of the FCRA.

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 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a communication from a major financial institution where I have a credit card to sign up for XXXX XXXX, a free credit monitoring service that is included with my credit account. In attempting to sign up, I was alerted that there was a freeze on my transunion online account, which I was unaware existed. After speaking with 3 representatives at the phone number provided within my credit card 's app - XXXX, the 3rd representative said that I needed to contact their online team at XXXX. He said that he could not transfer me using their internal phone ; I found this rather odd that Transunion reps would not be able to transfer calls within the company. Upon calling the 855 number, the 1st rep asked for my social security number and name, then place me on hold and dropped the call. With all of the data breaches and identity theft, this was unnerving. I called back and spoke with a woman with an accent. While it was challenging to understand her, she directed me to sign up for a complimentary account at service.transunion.com. After enrolling, it took me to a page that advised my account was locked. The rep researched further and advised that it was reported in 2016 that my SSN was used to commit fraud and that I have been blocked from any online resources and that a letter was mailed to me. This was my 1st time hearing of this. The rep advised that no one in her location could assist me and that she would resend the original letter. I requested to speak with a supervisor and was told to call back between XXXX PT. My call was at XXXX ET. After over an hour on the phone with multiple reps, I was provided no resolution and feel confident that I was calling an overseas location and providing my SSN, name, DOB, address and other identifiers. The service I received was neither professional nor provided resolution. It felt as if every rep that worked for Transunion was in a hurry to transfer me or tell me to call someone else. I requested to file a report against the false accusation that was made against me or at minimum have it researched further to see if an error was made. This was denied. All in all, a complete waste of time.

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My two home loans were with XXXX. In XX/XX/2019 XXXX notified me that they are bankrupt and transferring my loans to Loan Care. In late XX/XX/2019, Loan Care sent me a loan transfer forms for one of the loans and requested that I pay the first 2 months, since it will take time to transfer automatically. In early XX/XX/2019, I sent them a check for each of the loans. Then I found out Loan Care cashed both checks and also took my money from my account via automatic payment for the month of XX/XX/XXXX. Also XXXX did not transfer my home loan and also took out the automatic payment for XX/XX/XXXX. Thereby I double paid Loan Care in XX/XX/XXXX. I have contacted XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX VA numerous times, sent them copies of both checks and my bank slip. They still have not refunded me my money and always have an excuse. It is in reference to customer ticket XXXX X. 
They never contact me and I am still out of over {$4000.00} USD

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 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Paid off consumer auto load with Santander Consumer USA in full on XX/XX/2019. Received letter from Santander on XX/XX/2019 recognizing the account as paid in full. Pay off resulted in overpayment to Santander of XXXX cents ( {$0.00} XXXX. On XX/XX/2019 received a pre-aid bank card from XXXX through XXXX XXXX XXXX. I wasted more than an hour attempting to activate the card and then use it to issue a paper check to me in the amount of {$0.00}. I do not have a relationship with XXXX XXXX XXXX, do not want a relationship with XXXX XXXX XXXX. and did NOT authorize Santander to issue my refund through a pre-paid bank card. There are fees associated with its use. Additionally, I do not want XXXX having access to my personal information including identification numbers and social security information. I didn't authorize the transactions and this is not part of my contract with Santander. I believe that this is a deceptive practice and is illegal without my written consent. There are hidden fees associated with utilization of the card. I only want what Santander owes me and that is the XXXX cent overpayment. 


Nothing in my contractual relationship with Santander allows for payments or refunds to be received from a third party and their privacy policy does not acknowledge that they will share my data with a third party. Additionally, it forces me into binding arbitration unless I opt out in writing within XXXX days. I did consent and do not consent to this as a provision of my contractual relationship with Santander Consumer USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: SC

Complaint narrative:
As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus Equifax and XXXX. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. XXXX has said they will not investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: NC

Complaint narrative:
The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX -XXXX  {$0.00} Balance Opened XX/XX/XXXX Inquiries : 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 non-monetary relief
Consumer complaint received 2019-08-05 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: NC

Complaint narrative:
The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX Inquiries : 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 2019-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
We have been trying to get a loan modification with our VA loan for over 8 months. 

Carrington just keeps sending letters asking for the same thing over and over and over again. We get letters that say our review is closed out and then another asking for documents.

We are also trying to work with Carrington through our housing counselor and mediation but no one from Carrington seems to care. 

It seems like a game they are playing with my family. 

We can afford to pay our mortgage. Our finances have really stabilized. 

We sent a lot of new documents today. 

Carrington already has from previous submissions since XX/XX/XXXX over 7 months : Numerous Letters of explanations for deposits, amounts & differing from statements VA award letter and proof XX/XX/XXXX, XX/XX/XXXX Child support order proof has been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Paystubs have been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank statements have been submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Numerous closed review letters have been sent. Not one time has the beneficiary responded when questioned why the review keeps being closed out. 
Closed review XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: AZ

Complaint narrative:
XXXX XXXX insists on reporting information they know is false despite multiple requests. Trans Union and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.

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 2019-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This is not my debt I didn't make these charges This is making it to where I cant get my new home Please remove and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CT

Complaint narrative:
XXXX XXXX graduate of XXXX  I borrowed {$17000.00} for XXXX degree. XXXX I entered graduate school and borrowed {$4000.00}. Totaling {$22000.00} for both. In XXXX I paying XXXX per month for both loans until XXXX. 

XXXX I called XXXX XXXX and requested lower payment because I purchased my home and could not afford student and mortgage payment. They obliged me without a problem. However, all the previous payment never reflect my account. I was told after 10 years of paying XXXX my loan would be paid in full. 

XXXX none of my payment were applied to the principle. As a young adult, I was unaware that I was starting over as if I never paid a dime. XXXX I paid religiously. Needless to say I defaulted on my loans Today Im paying XXXX for XXXX for half of my loan but the other half still remain with XXXX ; I requested my entire account be transferred so I could begin making payments .However,  XXXX has never release my loan payment to XXXX XXXX Instead, I have two accounts under one consolidation. Therefore all the reporting is inaccurate. 
Currently I am in repayment of my loan. However XXXX is still sending me threatening letters. How do end the XXXX Nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I deposited a government check into the atm. Unfortunately I was told the check would be held for 12 days..until XX/XX/19. The explanation given was that BOA has been experiencing fraud lately. I dont have a history of returned checks on this account. I dont write checks on this account at all. Im getting the run around about the check being posted and customer service is unavailable bia telephone. This is a disgrace. I have 4 other bank accounts and this is the worst. I will be closing my account once this check clears.

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 2019-08-05 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: SC

Complaint narrative:
As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus XXXX and Experian. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. Experian has said they will not investigate further.

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 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Greetings, I signed up with PayPal credit to receive XXXX  months same as cash if paid within XXXX  months after purchase of items of {$99.00} or more. I purchased products from companies and individuals on XX/XX/XXXX ( {$2400.00} plus {$69.00} transaction fee XXXX and XX/XX/XXXX ( {$250.00} plus {$7.00} transaction fee ). I paid a service fee for these transactions which I was ok with. At this point, I was expecting to pay for these products using my PayPal credit terms of special finance 6 months same as cash. PayPal sold my terms and contract to Synchrony bank  by the end of XXXX. Synchrony bank changed the terms without my approval and they started charging me interest for the outstanding balance even well before the XXXX   month term has expired. I have read completely the disclaimer from the original PayPal credit terms and conditions. Based on that disclaimer, I am not supposed to start paying interest until XX/XX/XXXX and XXXX, 2019 respectively on effected purchases. This to me is consumer fraud and it needs to be put in check. I have the original terms and conditions, and have tried to resolve this matter with both PayPal and Synchrony bank. They absolutely refuse to act and make this right as agreed.

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