vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am on the " do not call registry '' and I have been getting prerecorded messages from random numbers stating I am implicated in a law suit and to call that number. I tried calling one of the numbers back and, no answer. So yesterday XX/XX/XXXX at XXXX I have a message from a XXXX  with " Corporate Legal Support '' at XXXX, stating she was calling for the purposes of sending me legal documents, and I need to call her back right away. I call back and a guy answers telling me the message was in regards to collect a debt from XXXX XXXX and JC Penney, I told him I don't owe XXXX XXXX and he said they were the backers of the JC Penney card, I said well good luck I am on XXXX, I had a bunch of medical problems happen. Then he got nasty and called me names and said I own property and threatened to seize it. I hung up and he called back again and started going on about the property, I told him to stop harassing me and hung up.

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 2019-06-07 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: TX

Complaint narrative:
Disputed a XXXX account previously with Equifax in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Simply a lack of communication. I cant get in touch with anyone at Lakeview Loan Servicing. They recently took over my loan. I've called and emailed numerous times to no avail. I've choose the automatic call back option and never received a return call. I have important questions regard my loan and switching insurers. I am now concerned that my house is uninsured because lakeview hasn't got back to me to instruct me how to add the new insurer.

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 2019-06-07 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Disputed a XXXX account previously with XXXX in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.

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 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
On XX/XX/2019, a wire check in the amount of {$120000.00} was sent to PHH Mortgage from XXXX XXXX  to close out my loan with them. 

On XX/XX/2019. PHH Mortgage withdrew {$1000.00} from my checking account to cover a payment that should not have been made as the loan had been paid in full. 

I contacted PHH and XXXX XXXX  on that day to voice my concern. XXXX XXXX from XXXX XXXX  has been working with a person named XXXX from PHH to resolve the issue. 
PHH claims that they never received the wire transfer and has yet to resolve the issue. 
It has now been 5 business days and I have not been reimbursed my {$1000.00}. 

You can reach XXXX XXXX from XXXX XXXX  at XXXX XXXX at PHH XXXX Myself XXXX XXXX XXXX.or XXXX My Account number at PHH is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: MD

Complaint narrative:
My issue is with Care Credit/Synchrony Bank. I had this credit card/account since 2014 and it has been in good standing. Whenever I paid down my account they seemed to lower my available balance which is bad for my credit rating and annoying, but not why I'm here today. I went to use my card that had a XXXX balance back in XXXX at my dog 's vet and was told it was declined. After my inquiry to Care credit, they said my card was canceled and they would send me a letter telling me why. 

I got a letter saying they were basically auditing their files and my creditworthiness was not good enough. They quoted me a very low credit score in the XXXX range which was not accurate. I have since waited a few months and even acquired another credit card held by synchrony bank, an American Eagle store credit card. This card has a XXXX  balance currently. ( see attached credit report XXXX Today I applied for a care credit card and was denied immediately due to " delinquent past or present credit obligations with synchrony bank ''. ( See attached denial ) As stated previously I don't have a delinquent history ( See attached credit report showing my history ) with them and my current status is also favorable. I feel that the systematic lowering of my balance, then closing my account altogether without notice and now the denial of credit to me is discriminatory in nature. It cant possibly be based on my creditworthiness as they state. 

A quick search of XXXX resulted in many, many other people who have similar situations with credit being closed without notice so I feel compelled to write today and take my issue to this level in order to get help and hopefully some insight that the company has not been able to offer me. 

Thank you,

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 2019-06-07 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: CA

Complaint narrative:
Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather Experien seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.

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 2019-06-07 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: BlueChip Financial
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX, Attempting to collect a debt after already having all of my valid contact information have been calling and harassing my family members. They are calling from XXXX. They are calling regarding an old payday loan from XXXX XXXX. I made payments on this payday loan for over a year until I was no longer employed. I have asked them to only contact me and they continued to contact other family members.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: LA

Complaint narrative:
I called PHH immediately after receiving my mail on XX/XX/2019 to question PHH about this extra charge on my statement, the agent that took the call name is XXXX, I.D . XXXX or XXXX. also called back this morning to find out what state the removable of that charge in the person that took the call, name XXXX I.D . XXXX XXXX said that they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this as a Qualified Written Request for a copy of ; ... '' the note from SunTrust Mortgage to SunTrust Bank executed by SunTrust Mortgage officer XXXX XXXX. This specific note is referenced in the XX/XX/XXXX assignment and under section XXIX ( page 7 & 8 ) of Judge XXXX XXXX order signed on the XXXX day of XX/XX/XXXX. 

Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: FL

Complaint narrative:
I have sent in 3 request for this duplicate account to be removed from my report and Equifax refuses to remove the duplicates of the account and violating my consumer rights I sent a certified letter on XX/XX/XXXX XXXX called XXXX XX/XX/XXXX Online Dispute XX/XX/XXXX The company that is a duplicate is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( XXXX, Transunion, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for XXXX, Transunion, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, XXXX, and Transunion still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.

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 2019-06-07 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: GA

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX  several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX ( XXXX  ) # XXXX  account number. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2019 a check from XXXX XXXX, a client of Bank of America, issued check # XXXX to me on account number XXXX in the amount of {$4000.00}. The check was never received by me and I was later advised that it was deposited into an account at XXXX XXXX XXXX which was later closed for fraud per XXXX XXXX. I have requested a replacement check from XXXX XXXX but theyve refused to notify Bank of America of this matter and follow proper procedure to submit a claim to have the funds reimbursed to 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 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brennan & Clark, Ltd., LLC
State: OH

Complaint narrative:
The company continues to call me and harass me, uses strong voice and threatens to sue me. I have informed them that I am filing bankruptcy ( over a month ago ), given them my attorney 's information, now they call us both. He said my bankruptcy isn't going to stop his calls or stop the lawsuit. This is for a payroll company debt. I've blocked the number and they continue to try and reach me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have concerns of Navient. I see a lawsuit against Navient and I question my loan amount often. Seems as if I had numerous florescence 's done on my account. I can recall 2 maybe 3, however, seems as if some were initiated without my consent. My amount seems to have been the same for the past 13 years. I have been paying it down, however, would like to know if this company is legitimately honest ( since reading about lawsuit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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:
This account is inaccurately reporting on my credit report : 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 2019-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a mortgage with Select Portfolio Serving, SPS. Several problems with SPS. SPS did not reflect my payments made. When I was on unemployment I requested a modification. SPS was not reflecting my payments on my credit reports, SPS made several credit inquiries both of which reduced my credit scores. I made several phone calls to SPS with no answer to my modification and payments. SPS started a foreclosure on my property and did not notify me properly. Notices of the pending foreclosure were posted on a back gate where no one would see them. I enlisted the services of an attorney to help me with the issues. My attorney phoned and sent many messages to SPS. The attorney for SPS said by law SPS had to respond to our inquiries. No response was made. SPS considers standard cookie cut letters to be communication. No response to numerous attempts of communication by me, or my attorney or even their own attorney. With the advise of my attorney I filed for Chapter XXXX to force SPS to communicate. This caused further damage to my credit score. The chapter XXXX was filed with {$0.00} and dismissed within a couple weeks. Since then SPS has still not responded to direct communication. 

I completely believe SPS decided to foreclose because the property was worth more than the mortgage and they were taking advanage of their power.

SPS completely ruined my credit scores by their direct and malicious actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Athena Bitcoin Inc
State: AZ

Complaint narrative:
I sent XXXX $ in XXXX to the service Bitquick.co Their buyer uploaded a non existent and invalid XXXX  receipt. They are not returning my XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
I recently obtained my credit report and FICO scores from all 3 major credit bureaus Experian, XXXX, and XXXX. All 3 credit bureaus have the exact same accounts and credit history. They are all reporting the same information to lenders. XXXX is reporting a FICO score of XXXX which is an excellent credit rating. XXXX is reporting a FICO score of XXXX which is a good credit rating. Experian is reporting a FICO score of 590-630 which is a Poor/Fair credit rating. There is a difference of almost 150 points on XXXX FICO score. Most lenders use Experian to extend credit to consumers. Therefore, this gives lenders an opportunity to charge consumers more money in finance charges and interests. Lenders are aware that Experian have inaccurate and outdated FICO scores. Therefore, the consumer is victimized and taken advantage of ... According to the Fair Credit Reporting Act, this is an illegal practice. Due to Experians inaccurate FICO score, Ive been declined for credit opportunities and charged more money for financing.

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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX ( old account owner to charge off when at the time it was not a charge off just a transfer to new company XXXX XXXX now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the capone/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. Transunion is constantly down and not allowing reporting these errors and previous transunion credit fixes stayed pending.

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