vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off 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
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: WI

Complaint narrative:
My name is XXXX XXXX and I am in the process of improving my credit. My health insurance should have covered this medical expense and therefore I beleieve I should not be held libaile for this debt. My goal is rebuilding my credit score and these remarks are hurting my credit. Getting these remarks remove would Shorten the obstacle on improving my credit score. 

amcol systems inc $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3.  What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Hi : Incorrect payments, Misleading Payment settlement, Refusal to send Payoff I was sent a notice that my payment obligation is transferred but this provider and their system is not prepared at all to handle this transfer and servicing. 
I continuously observe lapses in all the tasks. 
1. Loancare did not credit the money properly after transfer. I had to followup to ensure the money and i was informed then that they a new account number which they did not inform, marking as delayed payment 2. Loancare unauthorized escrow payments disbursal, multiple times for the same service. This resulted in huge inconvenience to followup for cheque reversal.

3. Payment disbursements were effected in duplicate and 6 weeks before due date 4. Following this, I had sent at least 20 emails and 15 telephonic calls and I was not able to reach the customer service. With those who i managed to talk, do transfer me to the right contact who never will pick up the phone. My issue is still unresolved and time is now 6 weeks past 5. I accidentally learned that my last payment is placed under suspense account, triggering interest payments with no information. I hear that they are charging me interest of {$100.00} for the money that was not received, but placed in the suspense account. Repeated calls to customer service were not received nor call back. 
6. I have submitted multiple request for pay-off statement and they did not perform. They say 24 hours but it has already passed 4 days with no attention. 

Such consistent failure has fueled doubts in their capability and strongly suspect of their integrity in delivering accurate amount without fees.

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 2020-08-24 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have written good will letters to take off late XXXX payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: MI

Complaint narrative:
I recieved a preapproval letter for XXXX, FHA in XX/XX/2020. Due to Corona virus it expired. I recieved a second preapproval for a conventional loan. Due to the mortgage company pulling my credit seven times my credit score dropped. Which red flagged me so I didnt qualify  for the XXXX or the conventional loan at this point. She they went back to the FHA. XXXX and my daughter are on XXXX ( she is a minor ) they asked for proof of her income for 3 years. Social security wrote a letter stating she will recieve dependent benefits until XXXX XXXX, her school also wrote a letter stating she will need services until XXXX years of age. This paperwork is not acceptable to them. If they would not have pulled my credit seven times I wouldn't have to have those letters. Now we will be homeless because my lease is up where I am and we were supose to close XX/XX/XXXX. It's now XX/XX/XXXX and they are denying me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
CitiBank closed our Costco Anywhere Visa account with NO WARNING based on, I believe, a statement about our being behind in our payments. ( I can no longer find that email. ) Reviewing our payment history since XX/XX/XXXX, the only payment missed was the XX/XX/XXXX payment. This payment was missed purely because of human error but no contact was made notifying us that the payment had been missed. 

When the XX/XX/XXXX payment was made, the payment was made in the amount of the required minimum payment shown on the account. 

This closure of our account as destroyed our credit score! 

I have attempted to contact CitiBank to no avail ( put on hold forever ). 

We do not care to have the account re-established but do need to find some way to resurrect our credit 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 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I bought a bed through XXXX XXXX  with Synchrony Bank credit card. Because the bed was {$7000.00}, and the credit card had a XXXX limit my credit card score decreased. Through the past year I have made all my payments on time and the balance has gone done. As the balance has gone done my credit score has slowly raised as congruent with the Debt to Credit Limit factor. In XX/XX/XXXX, Synchrony Bank decided to decrease my credit limit on the cards which has a direct effect of my Debt to Credit Limit for my credit score. This will directly effect my score and lower it even though I have made payments on time and am not behind. This is unfair and hurts consumers. Synchrony will not do anything about it even though they say they are in compliance with the law. This part of the law is hurting people.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/2020 submitted via online application request for new checking and saving account. After submitting the application, I received notification of pending account application. On the morning of XX/XX/2020 contacted the new account representative and representative informed me that i have been pre-approved and would receive email with new account information and providing information on setting up online banking. Some XXXX hours after this call, I received notification of application decline. I am of belief and suspicion that the decline results from my enrollment in a promotional offer of {$600.00} and the bank is acting in an unscrupulous manner as to the application for new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? How's COvid-19 treating you - safe? I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

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 2020-08-24 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: CO

Complaint narrative:
My XXXX  account is now showing open accounts from a Bank of America as of XX/XX/2020. The number on my credit file shows XXXX. I called but was soon disconnected. I did a search on this phone number and it is listing as possible fraud. I have started disputes on the Bank of America credit card accounts that are showing opened and fees due and not paid to date. I did freeze my credit with all 3 credit bureaus back in XXXX of this year. I also tried to contact a correct number for fraud with Bank of America, but since I don't have an account with them, I was unable to reach a person.

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 2020-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on XXXX XX/XX/XXXX ), around XXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXX and spoke with XXXX XXXX He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a manager, XXXX hung up on me. 
I called back at XXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. 
I previously had a XXXX  complaint filed on this company in XXXX of XXXX. This seems like retaliation and my lawyers will be notified immediately. 
This is absolutely unacceptable. I demand all of my positive credit history/current accounts be placed back on my credit report immediately. 

I am requesting all of my positive information be placed back on my credit file immediately. Also due to your negligence, I was denied approval for a new line of credit. Therefore, I am requesting you have the XXXX XXXX inquiry of XX/XX/XXXX removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Our mortgage Acct # : XXXX w/Bank of America was paid off on XX/XX/20. We forgot to turn off auto pay and a payment of {$5400.00} went out of our XXXX XXXX account via bill pay to Bank of America on XX/XX/20. Bank of America received the payment and accepted electronically. The payment was deducted from our XXXX account. 

We first contacted XXXX XXXX and BofA on XX/XX/20 to inform them of our mistake. XXXX XXXX said that their was nothing they could to since it was sent electronically and BofA accepted it. But they assumed BofA would reject it since mortgage closed and provide us a refund check. 

BofA, after being on hold close to 2-hours, immediately informed they are going through a system 's upgrade and it could be up to 10-business days before our payment will be refunded. The payment has yet to be refunded to us or XXXX XXXX. 

We can not access the account on BofA 's website anymore since the mortgage has been paid off. 

We have called at least 6-times and waited each time on hold for at least two hours. When we finally get through the customer care person can do nothing more than take notes and apologize for the delay. We have entered case # 's XXXX and escalation # 's XXXX, but nothing ever happens. We have requested return calls, none have occurred. We have been asked to be forwarded to managers, calls are always disconnected. We have called the local branch and they say they can not assist. 

We need your assistance. It has been three weeks and BofA is refusing to refund a payment of {$5400.00} we made on a mortgage that was paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I noticed that I have a collection account on my credit report from COMMONWEALTH FINANCIAL SYSTEMS for the amount of {$310.00} the original account being from XXXX XXXX XXXX. This charge was placed on my credit report on XX/XX/XXXX. When I called I found out the debt was from XXXX. This is 6 years ago and has just been placed on my credit report. I don't remember this service taking place. I have never been contacted for this debt since it supposedly occurred either. The state of Florida has a law that you are not allowed to collect on a debt more than XXXX years old. So this is wrong and is stopping me from being able to apply for a home loan. I have no recollection of this service occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/20 I received a debit card from a bank unknown to me, Comerica Bank. I immediately contacted the bank requesting to speak with someone in the fraud department. After many hurdles, I finally spoke to XXXX at the bank 's fraud dept who advised the debit card sent to me at my home address was under review and being closed. Addtionally, on Saturday, XX/XX/20 I received a slew of mail from Comerica Bank for two overdrafted accounts ending in XXXX and XXXX. On Monday morning, XX/XX/20, I called the Comerica 's Fraud Dept again and spoke with XXXX regarding the unauthorized opened accounts. I was told the account was opened on-line and that this would negatively impact my credit if I do not submit payment. I requested the on-line application and any other information used to open the accounts with the bank. XXXX said Comerica can not provide that information. I then spoke with XXXX at Comerica 's Quality Control Dept., who said the account was opened on-line on XX/XX/20 and that he is not able to provide any information concerning the accounts to me other than what is owed. Comerica refuses to investigate the online accounts they established. Comerica refuses to provide information to me filed under my name. Comerica insist on filing report to Credit Bureaus if payment is not received. I have never heard of Comerica Bank until now, and did not open these accounts. XXXX  provids credit protection for a monthly fee to me. XXXX  security breach was compromised a few years ago and my private information has been exposed. A freeze on my credit has been and continues in place with all three Bureaus :  XXXX, XXXX, XXXX XXXX. XXXX advised that during the COVID Pandemic, accounts are opened on-line, that the bank can not foresee fraud and accept on-line applications when information is provided ; that a credit check is not required to open accounts on-line. This is extremely dangerous. My excellent credit is now at risk and Comerica staunchly refuses to investigate the validity of the unauthorized, on-line accounts they have fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
unauthorized inquiry were made on my credit report on XX/XX/2019 without my signature and consent

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