vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: NY

Complaint narrative:
To Whom It may concern, There is inaccurate information on equifax and other credit reported the following address I have never been associated with == XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX I had called a while back for this to be removed and was told it would be. unsure as to why this in accurate information there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Financial closed my XXXX XXXX XXXX ( XXXX  Credit Card ) due to inactivty XX/XX/2019 without my consent.. The removal of the {$7500.00} available imapct has caused damage to me in two ways : 1 ) Lowering of my credit score due to the change in my credit usage ratio as a result of the loss off the {$7500.00} credit limit. 

2 ) Loss of an account that I will have to reapply for in the future which will incur another hard credit inquiry. 

I spoke with an " Credit AccountsManager '' and they informed me they would not reactivate the account and that I would have to apply again.

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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted capital one back in XX/XX/XXXX during the government shutdown, i was placed into a program that reduced my interest rate for 3 months, then they took me off plan, when i was thinking I was in a hardship program, now they won't put me back because I don't quality. I contacted them, spoke to 3 people, the last one being the manager who gave me same information. Previous 2 supervisors I spoke to were very rude and spoke to me in a very condescendant as if they were superior then I was. I think this company is getting richer by taking people 's money but won't let them anymore since i plan to default on the card so that I can pay it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Calls several ( more than 2-3 ) times a day during work hours. Does not leave message. Calls from several different numbers. I have never received written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have not authorized any thing from this company this account was open fraudulent under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery services continues to call my phone morning and night, including weekdays and weekends. They never leave a message and when I do answer, they are very aggressive. I received a phone call once at XXXX on a Sunday, then again at XXXX on a Saturday, and every single day -- multiple times a day -- during the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Within a five month period Suntrust mortgage has gone up on my mortgage over {$1400.00}. I went from paying {$4100.00} a month to effective XX/XX/XXXX to {$5400.00}. XX/XX/XXXX was the first raise from {$4100.00} to {$4700.00}, then I received a notice in the mail yesterday that it is going from {$4700.00} to {$5400.00} all this within a five month period. Approximately in XXXX or XXXX of XXXX they sent me a letter stating that their flood maps, not FEMAs, has me in a flood zone and they were giving me a flood insurance policy of approximately {$2700.00}. To me it is not fair impose on such a hardship for me to keep my family home. I have attached FEMA flood maps, the Suntrust letter informing that I am in a flood plain on their maps, the documentation that they sent me saying that I have a {$5000.00} deficit in my escrow and that is why my payment is going up to {$5400.00}. Im not delinquent and I have not missed a payment. I have gotten no notification from the county that my taxes have gone up. Suntrust gets a notice every year from the county showing what my taxes are, and they have not increased, so I dont see how there is a shortage in the escrow account. In addition, they now sent a letter stating that they have cancelled the insurance, without telling me what insurance was cancelled, or without reduction to my payment. They also have moved it to another servicer, but Suntrust still owns the loan. Also, they have removed the loan from my credit report. For Suntrust to raise my mortgage by almost {$1500.00}, without a justified reason, has caused me great hardship. I am sending some information now, and will upload additional documentation within the next couple of days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 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: CT

Complaint narrative:
XXXX XXXX servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/2019. This is incorrect as I have paid my mortgage payment on XX/XX/19 for the XXXX payment. 
I tried to dispute this with Experian, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/2019 payment, and my XXXX and XX/XX/2019 payments.

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 2019-05-14 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: GA

Complaint narrative:
I received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: NV

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. There are so many inquiries all of my credit reports. The vast majority of them do not belong to me. Please remove as soon as possible so that I am able to keep good credit. I've worked extremely hard to restore it, and I will let nothing get in the way of that.

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 2019-05-14 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: MD

Complaint narrative:
Fraudulent inquiry occurred on XX/XX/2017 from XXXX please remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom it may concern, A fraudulent Inquiry/Identity theft was made on my credit report on XXXX Company in question XXXX XXXX XXXX, l This is not the first attempt on getting this issue cleared, on the day of XXXX I was contacted by Synchrony Bank and I was told that it would be removed right away. 
Months went by and no action was taken. 
I submitted a complaint with the CFPB being your organization and if you look at your records this is an on going unethical performance by SYNCHRONY BANK I received a call from XXXX XXXX XXXX, Senior Specialist Corporate Consumer Relations SYNCHRONY BANK and she advised me that this matter will be taken care of and cleared from all reporting Bureaus.

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 2019-05-14 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: CA

Complaint narrative:
many inaccurate accounts such as ( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/2019 - Called and threatened to arrest me at my job, also told me to go XXXX XXXX XXXX myself. I attempted to offer a reasonable repayment plan and was told to XXXX XXXXf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
To Whom It May Concern : I recently obtained a copy of my credit report from XXXX, and it indicated that a credit inquiry was made by Discover on XX/XX/2019 on XXXX. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this fraudulent inquiry and have it removed from my credit report. I have contacted Discover several times and they arent willing to assist because they do not have a record of the hard credit inquiry in their files and refuse to assist me and will not follow up with XXXX to report I did not authorize the hard inquiry on XX/XX/2019. 
Please have this inquiry removed from my credit report, as it will have a negative effect on my loan applications and my acquisition of credit in the near future. 
I have sent this letter via certified mail to Discover Credit Operations as it requires their prompt attention and response. Conversely, Discover has refused to provide documentation to support that my authorization was in fact obtained for making this hard credit inquiry on XX/XX/2019. I would appreciate your assistance since I also have had an identity theft victim fraud consumer alert since last year and a consumer a statement that says to always call me prior extending or applying for credit under my name. With that said Discover did not comply with the instructions from my consumer statement and I did not receive a call from Discover and they are not willing to assist me. 

Thank you for your prompt assistance. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
A company called XXXX XXXX has a negative report on my credit report, and this is from an identity theft that happened to me last year. I filed a police report, and everything was removed from my credit report except this company will not remove this. I have never worked with this company before, and they have not sent me any paperwork showing that this debt belongs to me. I had someone open accounts using my name and information and this is from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CA

Complaint narrative:
many inaccurate accounts such as ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed by someone. I wired money to an account at XXXX XXXX thinking that it was to purchase a watch but turned out to be fraud. I bank with chase. Chase refuses to write a letter of indemnity so XXXX can wire back the funds that were part of a scam. XXXX is willing to send me back the remaining funds due to fraud but chase refuses to send letter of indemnity stating that I sent the money that it wasn't taken form my account. This is still a scam and an act of fraud. I have tried contacting chase multiple times and they will not send letter.My money is still with XXXX as we speak and I am not getting my funds returned. XXXX has a policy that they will only accept letters of indemnity from another bank, but in this case my bank will not write it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I leased a car and obtained a loan through Reliable Credit. 
I believe the lease amount was {$6000.00}. 
My car was repossessed at my place of employment about 5 months after purchase. I missed a payment of {$290.00} and was unable to make payment arrangements with the company. 
The car was repossessed and sold but my balance left owing was {$4400.00}. They never informed me of the profit amount they made on the car and it looks like the car was sold completely under value leaving me with a balance. Ive tried to dispute this amount and Ive sent numerous letters requesting that they send me information on the loan and the sell and still have not received anything. 

Within the last year or two Ive contacted their company more than 5 times requesting information and all theyve done is report back to the credit bureaus that the information they have on file is accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: MD

Complaint narrative:
Fraudulent inquiry occurred on XX/XX/2018 by XXXX XXXX XXXX. This inquiry should be moved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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 received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. There are still items on my credit that are not mine. 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 2019-05-14 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: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen Loan servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to PHH, in the process of switching account they reported that I was late in XXXX 2019. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. 
I tried to dispute this with XXXX, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/XXXX2019 payment, and my XXXX and XXXX 2019 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a Bank of America Checking Account in order to receive a bonus upon completion of qualifying activities. I opened the account entirely online. The bank charges a monthly service fee. Upon receiving the bonus I tried to close the account online and discovered that there was no way of closing the account online and that I would have to call Bank of America during their business hours and wait on hold in order to close the account. I believe that Bank of America 's failure to provide an option to close the account online is in violation of California Senate Bill No. 313, which states in section 2c that " a consumer who accepts an automatic renewal or continuous service offer online shall be allowed to terminate the automatic renewal or continuous service exclusively online '' California Senate Bill 313 : https : XXXX   XXXX Bank of America 's instructions for account closure : https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/

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 2019-05-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have filed multiple disputes with Experian regarding XXXX XXXX Bank credit card accounts which have been legally extinguished by operation of Mississippi law, MS code annotated at 15-1-3. I have also noted in the multiple disputes that the actual dates of first delinquency as defined by the FCRA and affirmed in FTC advice, and control reporting are beyond the seven year allowed time period for negative reporting contained in the FCRA. XXXX accounts well over eight years past the date of first delinquency and the other XXXX are well beyond seven years, also well past the seven year allowed time for negative reporting in the FCRA. 

Experian recently in its response to an earlier CFPB complaint simply sent a template response without addressing the conditions of the complaint, nor the evidence submitted in my disputes to Experian and in the prior CFPB complaint which was a notice from XXXX Bank, the FOI of the XXXX extinguished and obsolete accounts which clearly demonstrated the actual dates of first delinquency which are beyond the seven year time period in the FCRA and as such make the accounts obsolete. 

Experian is obfuscating their obligations under the FCRA and continue to simply parrot the response of account verification by XXXX in direct contribution of the XXXX Bank notice, and not only have failed to perform a reasonable investigation, but have not even addressed the evidence in its prior response to my CFPB complaint

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: C & M Associates Group, Inc.
State: AL

Complaint narrative:
I keep receiving calls from C & M associates phone number XXXX XXXX XXXX. They do not explain to me why they are calling just start trying to verify my social security number and start asking if ____ is my spouse. I do not currently have any owed debt and have bankruptcy in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Account paid in full directly to XXXX on XX/XX/XXXX in the amount of {$730.00}. The credit agency, Convergent Outsourcing are continuing to report this account as a collection to 2 credit bureaus unlawfully although XXXX has removed the Written off notation from my account. 

Payment conf # XXXX Case ID # 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