vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank Auto,  is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit 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 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I opened an account in  XXXX  of   XXXX   as an  XXXX   XXXX  member, under the terms that my account would be 0 % interest and the {$990.00} annual fee would be waived while still on  XXXX   XXXX . I received a letter stating that the company is no longer honoring their promise to waive the annual fee. I contacted the customer service and SCRA team to discuss the issue and ask if I could be grandfathered in. I was told that was not an option and the change was a business decision by the company.

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 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom t his may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017  and noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources listed, as well as inquiries that were removed, but have re-appeared. I have no knowledge of these unauthorized inquiries as well as the inquires that have re-appeared. This is having an impact on my  credit score a nd I am therefore seeking for all the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards,  Concerned Consumer

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 2017-04-27 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: OH

Complaint narrative:
Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On Friday,  XXXX  of  XXXX , I received a debt collection letter from   XXXX   dated  XXXX   XXXX ,   XXXX   for a  XXXX   XXXX .     I called on Tuesday,  XXXX   XXXX ,    2017 to  inquire about the collection of {$100.00}. Since my husband and son are both  XXXX   XXXX   I  wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband.     I was told that my son who is 21 years of age and in college in  XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas.     I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on  XXXX ,  XXXX ,    2017.      I called   XXXX   at  XXXX  on  XXXX   XXXX ,    2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt.     I reached out to my son again on  XXXX   XXXX ,    2017 and  reminded him to call them and give me the authority to investigate the debt.     Before my son had a chance to call he was contacted by  XXXX  on  XXXX   XXXX ,  2017 an d was asked if he was  XXXX   XXXX  which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info.     My son is only  XXXX  and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics.     Since my son is in school he does not have a job and he is covered on our insurance. For  XXXX  to require payment from him was wrong.     The  XXXX  letter dated  XXXX   XXXX ,   XXXX   said we had 30 days after receiving the notice which was  XXXX   XXXX ,  2017 to  notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on  the four business  day of recieving the letter.     What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt.     We were given no options in those four days! This is not right!       XXXX    XXXX .  XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Payments : P.O.  XXXX   XXXX   XXXX  Oh  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 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: FL

Complaint narrative:
I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX   XXXX   XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: GA

Complaint narrative:
XXXX    XXXX    XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit 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 non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I filed a complaint on  XXXX / XXXX / 2017   Case  #  XXXX . I received an unsatisfactory response from Ditech. I spoke to them since and they said they would have someone from their escrow department call me. No one did.     The numbers do n't add up. I have asked  them ( several times ) to expl ain, in layman 's terms, the specific increases that add up to the large increase in my mortgage payment. I AM DISPUTING THEIR RESPONSE TO MY COMPLAINT As a side note I called CFPB today and I 'm not sure why but when she looked up my case she gave me a totally different case number. I was given case #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting  XXXX  personal public tax liens fro m  XX/XX/XXXX  and  XX/XX/XXXX .    reference numbers  XXXX  and  XXXX  These tax liens were paid and these leans were paid and satisfied for several years.   I recently contacte d   XXXX   XXXX   XXXX    tax Examining Technician with the compliance Administration collections Division of the   XXXX   XXXX   XXXX   office of tax and revenue, Office of the  Cheif financial  Officer    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   Phone  XXXX  fax  XXXX   XXXX   XXXX  email-  XXXX .  XXXX  XXXX  XXXX  Who issues me certified documents  XXXX  release of the   XXXX   XXXX   XXXX   tax lien, recorder of deeds which states paid and satisfied and a certificate of release of federal tax liens for me to issue to the credit bureaus to REMOVE the liens from my public record.  XXXX  and  XXXX  have both complied.  Transition has  not. They said they specifically need a form which states " withdrawal '' even with proof of written correspondence with    XXXX   XXXX   w hich states specifically '' when a person pays off a loan in full, the lien is removed. the assets is no longer pledged to the creditor when the balance is completely paid. The Lien is removed from the credit reports - thanks again    XXXX   XXXX   XXXX   .   Transunion refuses to comply. I have provided them all this information by certified mail. opened the investigation 45 days ago. They have failed to remove it and reopened another investigation for the same issue. I explained to them t he    XXXX   XXXX   XXXX    does not  provide withdrawal forms to withdraw. The form they provide is a  XXXX  form. I clarified this information with  XXXX   XXXX  as to the language being sufficient of the credit companies to remove they confirmed. I provided transunion with this into. This is cause me detrimental harm to my business ventures, capital and ability to ascertain credit along with affecting my good will.   Please help bring this to a resolution as soon as possible.    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 2017-04-27 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: IL

Complaint narrative:
I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  XXXX   XXXX   XXXX   XXXX  TRANSUNION  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   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   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   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   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 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 2017-04-27 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: NY

Complaint narrative:
I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

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 2017-04-27 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: NY

Complaint narrative:
I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: NY

Complaint narrative:
I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX , J  XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I purchased a mortgage loan in foreclosure on    XXXX   XXXX  ,   2017.   As  of today  XXXX   XXXX ,    2017 ( 79 days ) I still have not received the Warranty Deed for this purchase. I h ave been in constant contact with the foreclosure attorneys but, still no results from the mortgage Co. Under GA l aw Code Section 44-14-3 bo th lenders & servicers can be liable to the borrower/grantor for failure to cancel a security deed within 60 days of full payment. Full payment was made on  XXXX   XXXX ,  2017.  The address of the foreclosed property is  XXXX    XXXX    XXXX ,  XXXX  GA.  XXXX .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief