vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was sent a letter from my credit union dated XXXX XX/XX/XXXX notifying me of changes to my credit card account. These revised terms that increase my amounts I pay for when I use this account because of a poor credit report from Equifax. The poor report was based on Serious Delinquency, Too Few Accounts Currently Paid As Agreed, Lack Of Recent Installment Loan Information, Number Of Accounts With Delinquency! 
I have always paid my debts on time, never late. My credit score was XXXX until I signed as a co-loan for my granddaughter for a student loan. This was four years ago. She messed up the very first payment and the Loan Company ( XXXX XXXX ) was so nasty on the phone that I paid off the loan in full ( {$11000.00}. )! I only had her get a loan so she could get a credit rating. The loan was paid off XX/XX/XXXX but continues to show up. 
My last scores were dated late XXXX : XXXX XXXX ; Equifax XXXX ; XXXX  XXXX. My credit union told me when I went to their office that the letter was sent out by mistake and I should have received an amended letter. I went to their office on XXXX XX/XX/XXXX and received a letter dated XXXX XX/XX/XXXX which said nothing about the credit report. I'm XXXX years old with XXXX and XXXX XXXX XXXXXXXX, I shouldn't have to put with this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX  and Ally Bank a.k.a Ally Financial Services they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX  and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.

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 2019-01-08 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2019-01-08 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: GA

Complaint narrative:
I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft.  XXXX XXXX/XXXX XXXX -  Opened XX/XX/2018The following Inquiries was not authorized by me:XXXX XXXX XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXXXXXX/XXXX XXXX XXXXXXXX XXXXXXXX/XXXXXXXX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2019-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
We have established two reoccurring payments with Synchrony Bank. When payments are made, they are applied to the wrong account. When trying to log onto their website, we can only see one account even though we know we have two, both in the same name. It is impossible to log into one of the accounts to make payments and we continue to get notices that payments are overdue.

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 2019-01-08 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: REISENFELD & ASSOCIATES LPA, LLC
State: OH

Complaint narrative:
XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to XXXX XXXX XXXX XXXX See Exhibit J. XXXX then proceeded because of XXXX XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted XXXX after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted XXXX pleading for XXXX to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing XXXX to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. XXXX did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XXXX to match the agreed reaffirmation agreement. XXXX then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX  XXXX XXXX. This action by XXXX not pursuing any loss mitigation against XXXX  XXXX XXXX was complete neglect of the debtors right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have never been contacted by CMRE Financial Services. I pulled my credit report and learned that I had a few medical collection accounts that I was unaware of. I contacted CRME, requested an itemization of the bills included, and paid all of the accounts at one time on XX/XX/18. 

1. I was told I would receive a written confirmation from CMRE that the account was Paid in Full and that the accounts would be updated with the three ( 3 ) Credit Bureaus.

2. To date, I have not received anything in writing. and the Credit Bureaus have not been notified.

CMRE should be legally obligated to update the Credit Bureaus with the PAID IN FULL information, just like they do with DEROGATORY information! They should be required to provide a statement that states they " will update the Credit Bureaus with the Paid in Full status '' - As it is, there is no obligation on their part ... it's just an " if they choose to ''. 

I will not count on CMRE reporting this information, I will take my paid receipt and send it directly to the Credit Bureaus myself. CMRE is not a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: MD

Complaint narrative:
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX  on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XX/XX/XXXXhas failed to want to take this off of my report and says it should appear as two accounts and says that it's XX/XX/XXXX's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve 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 2019-01-08 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: MD

Complaint narrative:
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's XXXX XXXX fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 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: MD

Complaint narrative:
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX  because  they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX XXXX  has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's experian 's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve 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 2019-01-08 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: MA

Complaint narrative:
I am writing to dispute the information that appears on my Experian consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: CORELOGIC INC
State: NY

Complaint narrative:
I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.

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 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I was contacted in XXXX by Amsher Debt Collection in XXXX Alabama regarding a past due bill of {$130.00} owed to XXXX XXXX XXXX. I had recently ( XX/XX/XXXX ) paid the bill IN FULL to XXXX XXXX XXXX and had the receipt in the exact amount to prove it. 

The Amsher representative told me I had to email the proof to her or it would be reported on my credit report. I did. Then, in XXXX, I received notification from my credit monitoring company that Amsher reported me as unpaid in collections. I contacted Amsher again, they said the debt was valid. 

I contacted XXXX XXXX XXXX. They confirmed the debt was paid. This has been going on for 4 months. As recently as TODAY I sent another demand to Amsher asking them to remove it the false collection account from my credit report. No response. 

XXXX XXXX XXXX has confirmed for me on several occasions since then that the debt is paid, I owe nothing, and that they have notified Amsher, yet no one from Amsher has contacted me at all, and the debt remains as a collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I've disputed account on multiple occasions. Amount is not correct. Account was charged off and closed. I did not sign a contract with Calvary Portfolio. I do not owe Calvary. I did not take out anything with Calvary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: NJ

Complaint narrative:
I purchased a newly constructed home in XX/XX/XXXX. My added assessment tax bill issued in XX/XX/XXXX was for 9 mo. My new lender raised my payment {$600.00} per month because they are basing my final XXXX tax bill on the 3rd QTR Added Assement bill. I have spoken to them 3 times. I have sent them the tax bills and assessment letter from XXXX XXXX showing my completed assessment but they will not fix the escrow analysis and correct my payment. I can not afford to pay {$600.00} extra a month because they are estimating my taxes {$3500.00} higher than they actually are. I dont know what to do. I shouldn't have to refinance a mortgage to fix an escrow problem. They will not let me speak to the tax company who prepares the analysis but no one at the mortgage servicing department seems to understand how taxes are billed in NJ. What can I do. this is a complete hardship

Company response to consumer: Closed with non-monetary relief