vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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: WA

Complaint narrative:
My identity was stolen and numerous store accounts were set up in my name, under a different physical address. I was not aware of the theft until contacted by a collections agency. I filed a police report on the matter and notified the credit and collections agencies ; I also disputed the charges on my credit report, but these items remain as derogatory remarks on my credit rating.

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 2019-07-10 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My identity was stolen and numerous store accounts were set up in my name, under a different physical address. I was not aware of the theft until contacted by a collections agency. I filed a police report on the matter and notified the credit and collections agencies ; I also disputed the charges on my credit report, but these items remain as derogatory remarks on my credit rating.

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 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
This complaint is for DITECH Financial LLC and XXXX XXXX - both equally responsible. 
Ditech was my servicer - they filed Bankrpt and mortgage assigned to XXXX XXXX XXXX ( XXXX ). Rec 'd letter XX/XX/XXXX from XXXX XXXX explaining all. With Ditech, I was on auto-pay ( $ XXXX/mth withdrawn on XXXX of month. ) I contacted Ditech - website shows auto-pay terminated XX/XX/XXXX - and I did internet chat with CS person who confirmed I. 

Letter from XXXX XXXX states " During a transfer of servicing, the bll pay service infor. w/your bank must be changed so that XXXX will receive your monthly payment. This change can only be made by you. The bill pay serv.WILL NOT make the adjustment if requested by us and they will not forward the payments '' There were 2 blank auto-pay forms included - I still have both - never auth. by mail. 

On XX/XX/XXXX get an email that they are ready to handle my account, can sign up for online serv. etc. At NO time did I sign any forms elect. or paper or any bank infrom. 

I did internet chat with CS person an they stated also that no auto-pay could be done w/out signature/bank inform. 

I sent in check for XX/XX/XXXX ( {$750.00} ) they received it on XXXX I then noticed that there was ANOTHER {$750.00} removed on XX/XX/XXXX - AUTO-PAY from LoanCare. I couldn't get into my account - nothing was set up at that time, so no access. It wasn't until I found these 2 payments XX/XX/XXXX? that I went into online and set up acct - to access my loan info - again I GAVE No permission or bank inform. 

I tried calling/emailing them - no response. I checked site and tried to cancel the auto pay but it wasn't completely set up so wouldn't let me. It said next pay due XX/XX/XXXX - showed I paid for XXXX and XXXX in XXXX so I let it go thinking issue is over. 

Today I was informed by bank that I am OD AGAIN - XXXX took out a 3rd payment XXXX claiming it's now for XXXX and I will owe again XXXX. 

I am now overdrawn a 2nd time, owe almost {$300.00} in OD fees to bank for the two episodes, my XXXX credit score is going to be trashed when they report this, I have to put all my regular bills on hold and pay them late - which costs late fees and potential rate hikes or put on high interest CCs to avoid late pays. I don't have savings or " extra cash '' laying around to cover this BS. 

What recourse do I have - I can't be the only one they have done this to - who else can I report it to? 

I have tried again to cancel the auto-pay, am betting it doesn't work and am betting they don't fix the account to show I've made 3 pay - which would mean no collecting until XXXX - and I'd bet the property it's going to take an act of XXXX to get the 3rd pay refunded and get payment for all the OD charges, late fees and interest that ' going to come out of this mess.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. XXXX XXXX XXXX reported the account paid in full. Equifax reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR XXXX YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
On or about XX/XX/2019, I filed with StudentLoans.gov my yearly information for Income Base Repayment ( IBR ). All of my servicers of my Federal Stafford and equivalent loans accepted my information distributed to them by this process with the exception of AES. 

A brief history of my issues with AES includes a complaint filed with this Bureau last year which included my supposition that AES is perpetuating a fraud on borrowers by denying IBR so they may capitalize on the interest, make that part of the ongoing balance, and then charge more interest on the increasing balance by capitalizing the interest. This is a very sneaky and complicated process for them to capture more income from the interest. This needs to stop and eventually I was approved for IBR but only after they stated that they could not : '' walk back '' the capitalization due to banking regulations. 

Therefore, I am writing again this year to state that AES has denied my IBR due to being " not eligible '' although not explaining why this is the case. I pause here to state that NONE of my other student loan servicers had issue with my IBR application and approved it with no issues. However, I continue. 

I called AES, stated that the phone call was being recorded for quality assurance and they stated to me that they do not allow calls to be recorded but then stated that if I wanted to record the call that I needed to speak to a supervisor. After speaking to this supervisor, they stated to me the only thing they could do is request a review of the IBR application and file a forbearance application to allow my account not to be charged a late fee. The late fee would be assessed because their processing time for the request would be 10-15 business days which would put me past my due date. I requested the department 's number that could review and change my application status to approved and they refused to give me this information stating " I have done my best to resolve your issue and once you receive the more detailed explanation if you disagree you can call back ''. This is not helpful since that is what I did this time! 

Persuant to the IBR website I meet all criteria and my payment would be significantly lower than the payment AES is stating. I do not need to go into the epidemic that is student loans so I will suffice it to say that 3 out of 4 loan servicers had no issue with my IBR application and approved it. AES is the ONLY one that seems to have issue. They are doing this to capitalize and then charge more interest, simple as that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After reviewing my credit report I observed Home Depot Credit Card has not reported this credit card on my daughters credit report to XXXX or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with XXXX, XXXX and XXXX. I am requesting for this credit card by Home Depot, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats 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 2019-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: GA

Complaint narrative:
Completed form XX/XX/XXXX on XXXX XXXX for XXXX / debt consolidation loan. After noticing an issue in which I disputed with credit the credit reporting agencies, I decided to wait. On XX/XX/XXXX, XXXX XXXX of XXXX XXXX  XXXX scheduled a call via email with me to discuss options with their organization at XXXX. I confirmed the call via email ; however, he never called. In my initial response XX/XX/2019 at XXXX XXXX to XXXX, I stated " I am going through the process of removing a fraudulent account from my credit report before I move forward. '' The following day, I received email alerts someone had obtained my credit report. At that point, I sent XXXX several follow-up emails and stated I never authorized him to obtain my credit and requested why it had happened. He stated it was a " soft '' inquiry from XXXX XXXX and no need to worry. I stated I did not trust his organization and requested he remove the inquiries because I never requested and he had no right. At this point, he refused to remove the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
This company has contacted me regarding a bill to a healthcare facility! Congress collections is the debt collector for a health service that they claim I used! This is in violation to the HIPPA law! My rights were violated by this collection company! If this was a medical service that used, I was fully covered for it! I was harassed by phone and mail. The Collection company as well as the healthcare facility violated my HIPPA rights by sharing my private information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: PROFESSIONAL BUSINESS BUREAU INC
State: OH

Complaint narrative:
I disputed this account named PROFESSIONAL BUSINESS BUREAU on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( XXXX, XXXX, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2019-07-10 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: FL

Complaint narrative:
I have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX EQUIFAX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, Equifax, XXXX have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - Equifax shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: RI

Complaint narrative:
I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX  XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and XXXX of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of XXXX of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 

I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: GATEWAY FIRST BANK
State: NJ

Complaint narrative:
Reporting of false information about my payment history to XXXX and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX and all other credit agencies. 
In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is making it impossible to bank. I am authorized user - who in the theory can do anything but to close an account or to add/remove users - on my wife 's, my mother and aunts ' accounts. All cards in question are Citi Dividend Cards. In the past, I could have chat with the rep and request such thing as 5 % dividend bonus activated. Starting Q2 of 2019 citi told me only the primary can do it. When logging in with the primary account holder login, the link to activate 5 % online comes up with Err 404. My wife contacted them through her online account chat to activate manually. My mom contacted them from her online account to activate manually. My aunt called over the phone to activate. All activations done prior of Q2 start. All the time the reps confirmed the account 5 % cashbacks were activated. Guess what? None of the cards ' 5 % cashback categories were activated. My aunt had trouble reg account online - the error spitting she already had account and when trying to retrieve password error msg says there is no account established. She was running in circles. Not sure where she stands ... may be CIti fixed it. My sister was trying to help er to deal with the situation. Yet her 5 % cashback categories probably still not activated because she has difficulties with English someone has to be present next to her to speak on her behave. I don't even know how much bonus she had missed because of that. Now i have overpaid the card ( payed it twice ). Requested credit balance refund. First time the rep refused to even acknowledge the payments were made. Next one processed the over payment refund. When refund not generated I have contacted the rep again who told me overpayments refunds can't be processed by an authorized users.

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report I observed XXXX XXXX Credit Card has not reported this credit card on my daughters credit report to Transuion or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with Transunion, XXXX  and XXXX. I am requesting for this credit card by XXXX XXXX, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats 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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Had life-humanitarian event XX/XX/2018, notified cc company XX/XX/2018. Have been ready to pay in full since XX/XX/2018 and have since closed account. The resolution is to change the way it is being reported on my credit report to accurately reflect true paid in full with no delinquencies. cc company is refusing to update reporting this account from charge-off to removal or paid satisfactory.

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Refuses to issue my free credit report on line. Direct me to a toll free number.

Toll free number is attempting to charge me by credit card for free report.

Tried to obtain a direct c

all to a person Dial 5 ... per their instructions. Message says that this service is closed until further notice with no other explanation. Insisting that I send a application by snail mail in order to get my report. I spent a day trying to reach someone yet you allow them to ruin our credit with mismanagement. This is Equifax the same company that refused me several years ago. They also reduced my FICO score without sufficient cause. My credit is impeccable and has been for 50 years. No problems with XXXX  or XXXXn.
When are you going to resolve this companies many problems or shut them down!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of American is reporting on my credit report that my payment was late. This is not true as I setup automatic payments when the account was open, I never received a past due notification, never received a phone call regarding this, and I had more than enough money available to cover the < {$25.00} balance on the account. I had over {$10000.00} in my account at this time of supposed missed payment. I have zero missed payments in my credit history and over {$100000.00} of available credit. I need this missed payment removed from my credit 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 explanation