vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been disputing some fraudulent accounts with synchrony bank, the accounts are XXXX XXXX, XXXX credit card and XXXX club credit card. The company has removed a couple of accounts that were fraud but still yet have not removed the others. I have not applied for any of the accounts that they say are mine and have tried to contact the person whom sent a letter stating to contact her about this matter. I have contacted the person who sent the letter who name is XXXX XXXX Senior Specialist of the corporate consumer relations. I have contacted her four times and left messages but non of my calls have been returned to resolve this matter.

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 2019-04-17 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: CA

Complaint narrative:
three accounts as student loans are reporting under my name on equifax credit reporting agency only. they are giving me a very hard time removing these inaccuracies, these account / loans i had never had, and never inquired, never went to school here. please help me with this i have been disputing these inaccuracies with equifax for more than a year, and no one has tried to help me at equifax. you are my last hope. 
please have these inaccurate accounts removed from my credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 23 and 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. 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 2019-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX PennyMac assumed possession of my loan from our prior servicer. We had a large loss draft pending on the property and PennyMac has created an undue hardship on us due to their lack of transparency and unwillingness to help. Ever since they assumed possession of our loan, they have continued to claim that they do not have certain documents that they should have easily been provided by the prior servicer. It is not our responsibility to secure these documents for them as we did not choose to have a new servicer take over a loan with a large loss draft pending. 

I have called every 2 days since XX/XX/XXXX asking why I can not receive the final disbursement to settle this loss draft claim ( btw our house was completely lost in a house fire on XX/XX/XXXX ). Finally today, this company once again said they needed additional documents and I am baffled as to why they continue to play these games with the money sitting in our escrow account that is now past due to the homebuilder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days and 60 days late payment on the dates XXXX XXXX 30 days, XXXX  XXXX 30 days, XXXX XXXX 60 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TX

Complaint narrative:
The credit reporting agency refused to provide me legit paperwork on signed documents bearing my signature that I owe this account. This account is also more then 10 years old and should not be on my account. The collection account is 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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I tried to open a checking account and found out it was a account reporting to the XXXX from XXXX XXXX XXXX. I never had a account with the company and asked for it to be removed, I faxed in my police report to XXXX and it hasnt been removed.

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 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello CFPB, I went into a dining establishment on XX/XX/19 and 3 credit charges totaling {$8500.00} were billed on my Citibank credit card in less than two hours. The first charge was {$980.00}, the second was {$1800.00}, and the third was {$5700.00}. 
I disputed the second and third charges over the telephone on XX/XX/19. The CSR entered my dispute and also mailed me a new card and number. During that conversation, I was never given any tracking information for my dispute or how to work with Citibank during the process. On XX/XX/19, I received a letter from Citibank stating that activity on my credit card was valid, rebilled my account, and considered the investigation closed. On XX/XX/19, I wrote to Citibank that I disagree with their resolution on this matter. Which I have had no response. 
Thank you for your help in this matter.

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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had an bank account with Suntrust bank for over 20 yrs. i went to use my debit card and it was declined i called bank to find out they closed my account and i would be receiving a letter in the mail. I had over 12k in my bank at the time of closure.After receiving the letter it stated i would receive my funds with in 30 days of the letter sent. Total fraud ...

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 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
debt was paid!

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 2019-04-17 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: LA

Complaint narrative:
Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and Transunion. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX Transunion Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX XXXX XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.

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 2019-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am having problems ( like always I had ) with US Bank employees unprofessional behavior. 1 ) They continuously harass me with letters threatening with " counseling, short sale, remediation and foreclosing ", however I am on time with all my payments and never missed a mortgage payment. 2 ) I sent to them a letter with a {$15000.00} check that they were suppose to endorse and send it back to me. It was from the insurance company claim that I filled after the hurricane. The employees at US Bank hang up on me several times while talking on the phone and don't answer the questions I am asking them. They are holding into my check which won't be valid after XX/XX/2019. It is a check they have to endorse and mail it back to me as it is made out to myself and to USBank. 
3 ) The woman at the " loss department '' I spoke to ( four times ) recently was trying to force me to " open an account with USBank in order to process the check ''. It was a condition to have the check processed. 
4 ) When I asked to speak to a supervisor they transferred to a " supervisor " who informed me that " the loss department is a third party contracted by Usbank '' which isn't the truth.Other customer service person informed " there is no loss department at USBank ''. It seems like when a customer calls we are dealing a bunch of fools who only give wrong information and don't know what they are doing. 
5 ) This past month of XX/XX/2019 the mortgage department failed to communicate with me about the new amount of my mortgage plus escrow account in order to pay for homeowners insurance. When I called asking for the payment amount for XXXX ( I had bought another homeowners insurance much less expensive than the previous one and they never communicated with me about the new escrow amount like they were suppose to ), the woman in the mortgage department added more than {$400.00} ( besides my mortgage payment ) that and she said it was " suppose to be paid because the escrow account had a low balance '' ). When I confronted her about not sending any notice in advance for such a high amount, she got very angry and hung up the phone call. As a result of their lack of planning, lack of training and lack of professionalism, they continuously cause me unnecessary trouble. 
I am not obligated to open an account with this bank which is the worse I ever had to deal with, nor interested in having another account opened with this unprofessional bank. And can't wait to finishing paying my mortgage in order not to have to contact with them ever again.

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 2019-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SunTx Capital Partners
State: GA

Complaint narrative:
On XX/XX/2019, XXXX XXXX -- a collections agent with XXXX XXXX XXXX, reached out to one of my contractors via telephone, and then through deception had the driver call me while XXXX XXXX remained on the line as an undisclosed 3rd person. 

Upon answering the call, XXXX began disclosing my personal financial information. He never confirmed my identity, nor did he ask whom he was speaking with. Instead, he began disclosing the reason for his call and how much money he believed was owed. All this while on the phone with an unspecified number of person 's on the phone line. 

This has had a negative impact on my business and the relationship I have with my contractors. 

I would like to know what steps can be taken to resolve this case. I would like to see this person removed from this position, because he has no decorum. Secondly, I want to know how this company intends to right this situation.

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 2019-04-17 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XXXX of XXXX through XXXX of XXXX I paid my student loan to sallie May which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Account Control Technology, Inc.
State: LA

Complaint narrative:
Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and XXXX. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with Account Control Technology , Inc. on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: CA

Complaint narrative:
two student loans are reporting under my name with out my knowledge, i have never applied to nay student loans, these inaccuracies equifax is the only one that is reporting, i have provided police report and all the other necessary documents to equifax and they still were not able to help me out. 
please you are my last hope this inaccurate student loans are screwing my credit and can not apply to buy a car that i need. 
appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Clearview Resolution Services
State: FL

Complaint narrative:
This company has made calls to myself, my wife, my daughter, and coworkers about alleged debt. The company representative told coworker that a summons was being issued to my place of employment and I or a manager needed to be there. I called the number given to ask about the debt and to request that my employer nor anyone but myself be contacted regarding the debt and representative said their office doesnt make the calls and he had no way of stopping calls. I wish to request for them not to contact me but they will not give me a way to do so. They threaten serving me but will not honor request to stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
Hello, I late payments for XXXX, XXXX, XXXX and XXXX of XXXX. At that time frame we were having serious issues with our Mortage company over a unacknowledged tax credit we have, we were getting false information about how this issue was going to be resolved, at first we were being told that the back pay would be applied to our next due payment, we would receive our next statement and see that it was not then we would have to back pay it to be caught up at which point Freedom Mortage representatives were telling us that again it would be applied to our next payment this cycle continued until we contacted our loan origination company to get involved due to our constant miss information and run around we were receiving, residential mortgage got In contact with a representative from Freedom Mortage who worked with us to resolve the issue. We ended up receiving a back payment check as we learned that the it could not be applied to a payment and that it was incorrect information that was being given to us! Our late payments were not our fault and are due entirely to faulty information given to us by Feedom Mortages call center. These late payment reports are drastically and negatively affecting our credit. 

Our point of contact has been XXXX in customer relations at Greedom Mortage. 
The customer care office who is the department that would resolve this will not return my calls or emails. 

I sent Freedom Mortages customer care center a email on XX/XX/XXXX and again on XX/XX/XXXX the second time I also CCed there customer relations office yet still with no response! 

Any help would be greatly appreciated 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 2019-04-17 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card.

Company response to consumer: Closed with explanation