vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX   assigned Bayview Loan Services to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to Bayview. Bayview, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 
- Personally, I have contacted by phone many times Bayview Loan Services in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with Bayview and either the 3 credit  bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: FL

Complaint narrative:
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )

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 2018-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The names of XXXX XXXX XXXX or anything XXXX related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/2016( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off 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 2018-08-11 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: IL

Complaint narrative:
The original creditor/furnisher which is XXXX XXXX XXXX  credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A company, XXXX XXXX XXXX XXXX, has obtained or pulled two hatd inquiries without my consent. This company was an inquiry in XX/XX/XXXX and recently here in XX/XX/XXXX pbtained my credit without my permission. Both inquiries should be removed from my credit as soon as possible! These inquiries has resulted in my scores decreasing with the credit bureaus! The description shows child support and I've never owed child support in my life. This company should provide documentation that I authorized these inquiries or be fined/penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A company, XXXX XXXX XXXX XXXX, has obtained or pulled two hatd inquiries without my consent. This company was an inquiry in XX/XX/XXXX and recently here in XX/XX/XXXX pbtained my credit without my permission. Both inquiries should be removed from my credit as soon as possible! These inquiries has resulted in my scores decreasing with the credit bureaus! The description shows child support and I've never owed child support in my life. This company should provide documentation that I authorized these inquiries or be fined/penalized.

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 2018-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher Credit Collection Agency is still reporting my childs hospital bill as open and this was discharged in 2015 in Chapter 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 2018-08-11 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: LA

Complaint narrative:
I noticed unauthorized inquiries had been made by different companies below. I contacted them all already and asked them to remove their credit inquiry from my credit profile. I am request that you initiate an investigation into each inquiry on my credit report to determine who authorized the inquiries. If the companies can not provide a actually sign contract or piece of paper of my signature authorizing each inquiry, I need them to remove each inquiry from my credit file and send me an updated copy of my credit report. 

XXXX XXXX  -XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX   - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  -XX/XX/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 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company is Portfolio Recovery they call way to often at least 5 to 6 times a day on both my phones. I had two XXXX XXXX Credit Cards each using a different number I think this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: IL

Complaint narrative:
The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.

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 2018-08-11 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:
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this  company has violated HIPPA Laws which I will Be suing. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: FL

Complaint narrative:
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )

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 2018-08-11 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: IL

Complaint narrative:
The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.

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 2018-08-11 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: DISCOVER BANK
State: FL

Complaint narrative:
I call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I took loan out with tower loan financial in XXXX they sent me check in mail. and I paid on this loan for almost year the first loan the amount was XXXX XXXX I had paid back. I had paid them paid down to XXXX XXXX then they called me in XXXX of XXXX ask me did I want more money this was the manger I said yes I took XXXX XXXX dollar loan out second time. he would not tell me how much I would pay back he just told me how much payment was it was XXXX dollars month. when I called back the next day he was already fired. I have pay XXXX back I paid on this loan until XX/XX/XXXX I started having trouble paying my bills am in hard ship right now am on buget plan I  single I have lost my mom and dad I no body halp me with bills. I have told them this in XXXX and XXXX to drop the payment down so I could pay XXXX dollars month. I talk to the new manger this she said no she said was going take me to court and get lien put on my house because I have it up for sale .they would not work with me no way. they call all hours of the day on my house phone and and on my cell phone and they have been to my house I told them I was not going to pay them I didn't have I would pay the balance off when I sold my house. but they are still calling what can I do they told me they where going to take my ssi and ssa check away from me.

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 2018-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have already put in a complaint about this. Im not hearing back from the back. I set this money for certain reason. Now I have to wait for your bank to figure out a problem. I need this money. Im still being threatened and harassed by XXXX XXXX and XXXX his mother who is employed at Bank Of America. I have a right to my records. XXXX XXXX has told me already him and his parents do this with the help of others. My CD did not just disappear. It was just at new maturity date. Then it disappeared. Im going to speak to an attorney. If I dont get this money back. Please get in touch with me. This family has also been stealing my mail.

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 2018-08-11 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
To whomever you may be on the other end of this correspondence, .. 
thank you for your time and help, I never received the XXXX, XXXX XXXX XXXX statement showing a payment due. 

-We have not been 30 days late on a credit card in several years ( 5-10 years+ ) -On XXXX XXXX Target  XXXX XXXX " collections dept . '' contacted me in regards to my payment being 30 days past due, actually 38 days past due by the time they first contacted me. 

-I immediately paid the balance {$110.00} -They then contacted me AGAIN in regards to the same balance amount on XX/XX/18 -I paid the balance again. 
-This resulted in an over payment and a refund from them. 

-I disputed their reporting this 30 day late to the credit bureaus & directly with them. 
They said their records are accurate but clearly they are not and this is proven by their double collection of the same payment. 
-The statement was never received otherwise this small store credit card would have been paid. This is their error and it is greatly effecting my credit score. 

-- It is having a direct impact on our financing options and intrest rate on the purchase of a home and the intrest rate of that 30 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with Chase and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ XXXX outstanding, my XXXX XXXX XXXX and I have no serious delinquencies. 

My initial complaint was with Chase as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around XXXX. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to Chase and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and Chase fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. Chase asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating. 

Once XXXX  acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called XXXX to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ XXXX and semi liquid assets XXXX investments ) of around $ XXXX. 

Why did Chase not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater.

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: FL

Complaint narrative:
Despite Multiple written requests, the unverified Collections still remain on my credit report. It's my understanding that under the FCRA they have to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). of the FCRA. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). And Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I have no idea who they are and I do not believe I owe this alleged medical debt. They are also reporting that I made payments on this account to XXXX? WHERE?! SHOW ME WHEN, HOW, WHERE! They have not provided Proof it belongs to me. And they continue to report this erroneous 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 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX keeps calling all my family and work. I have called them repeatedly to tell the. They do not have permission to contact me other then my home phone, and they still continue to call people and tell them its in regards to either an application ( no application with them ) or they are trying to get me to pay my debt I owe. They have told this to family and my employer. This is not ok, and the harassment wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Applied a payday loan from XXXX XXXX. I made most of my payments on time then fell behind because a restructuring at my current job. It was turned over to collections and I paid it immediately. The problem is that I am in desperate need of a vehicle and this is hindering my TransUnion Credit Score because it shows collections. All banks and dealerships use TransUnion Bureau. I contacted XXXX XXXX and they lady said we cant do anything about it. The balance states paid but its still on my credit report. I have disputed it with TransUnion cause it initially showed no credit history. This was inaccurate reporting and wanted it removed. They then added the credit history and left it on my credit report. However, it still remains on credit report and is unfair to me as a consumer. I have asked for the signed contract that this payday loan was to be reported to the credit bureaus with no success. Please help.

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