vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
My most recent FICO score says I have one late payment in the past twelve months. I have reached out to Equifax, XXXX XXXX, and XXXX, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, XXXX  are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on Equifax and XXXX XXXX, and no late payments on XXXX why is FICO incorrect and how does it get fixed? No one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX  insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them 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 2019-09-11 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: GA

Complaint narrative:
Balance {$3100.00} Last report date XX/XX/2019 Mailed and faxed to credit bureaus they still have not resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX  and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
XXXX  did remove it.

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 2019-09-11 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: TX

Complaint narrative:
last reported XX/XX/2019 Balance {$360.00} Mailed and fax disputing this account.

Called the hospital and also disputing this account to them, no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I sent the debt collection agency " Patient Accounts Bureau '' a certified letter with return receipt in which I requested that they contact me in writing through USPS mail and that they no longer contact me by phone in addition I asked that they validate the debt in which they say that I owe. The company received this correspondence on XX/XX/19 and since then have continued to call me nearly everyday since then. I have spoken with attorneys who have advised me that this is a violation of the FCRA guidelines and this behavior is harassment.

This company is called Patient Accounts Bureau, however they appear to be owned by another company known as Hollis Cobb Associates. In addition the company has multiple addresses, 2 of which are correct and a third which appears to be bogus as evidenced by the returned letter I received when trying to contact them via USPS mail. I have attached proof of all of these facts below, including the returned envelope of the third address and a screenshot of the companies online XXXX XXXX profile listing this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — VA 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: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Planet Home Lending have late payments on my credit report even though I paid in full plus the fee I want them to remove late payments from my Credit Report thanks I called them in advance and explain my situation they told that would accept double payments plus the fee, I have not miss a payment since then, 2017 is not a late payment is incorrect I always pay them on the XX/XX/XXXX of every month from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
CAVALRY PORTFOLIO SERVICE have file a complaint with the XXXX Police dept and the FTC please remove this Fraudulent account ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: GA

Complaint narrative:
Balance {$18000.00} Last reported XX/XX/2019 Mail and faxed dispute

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 2019-09-11 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: KY

Complaint narrative:
My most recent FICO score says I have one late payment in the past twelve months. I have reached out to XXXX, XXXX XXXX, and Experian, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, Experian are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on XXXX  and XXXX XXXX, and no late payments on Experian why is FICO incorrect and how does it get fixed? No one should have to go through this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: KY

Complaint narrative:
My most recent FICO score says I have one late payment in the past twelve months. I have reached out to XXXX, XXXX XXXX, and Experian, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, Experian are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on XXXX  and XXXX XXXX, and no late payments on Experian why is FICO incorrect and how does it get fixed? No one should have to go through this.

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 2019-09-11 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid off my balance with synchrony Bank last month I called them multiple time for them to resolve the matter with a letter explaining that my balance is {$0.00} still didn't receive a letter and the problem still not resolve. My credit score report drop significantly and showing serious delinquency because of this matter I need it to remove ASAP because I do not owe that bank anything and it impacted my credit score severely.

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 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: IA

Complaint narrative:
I have tried to lower my debt but as I dont have a good paying job I am struggling to make payments on my XXXX MasterCard. I would recommend to do an audit of who has access to that information and who doesnt. I didnt allow any access to my personal information on any credit cards.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
My bank Banc of California located in XXXX and XXXX XXXX had 10 days since XX/XX/2019 to dispute a charge from a merchant The XXXX XXXX XXXX   XXXX for {$730.00} on XX/XX/2019 that was an unauthorized charge I never signed for when the XXXX police department was on the scene the employee name XXXX requested me to sign a document authorization get a charge for XXXX that I declined to sign because she was over charging me the receipt I received from the Manager on XX/XX/2019 reflected that I owed a balance of {$240.00} and on XX/XX/2019 XXXX charge me debit MasterCard ending in XXXX for XXXX. XXXX also give me a receipt reflecting a credit of {$550.00} back to my bank account with XXXX XXXX XXXX XXXX of XXXX XXXX CA debit card ending in XXXX but the credit was never applied to my account put my card in a over draft amount. I have send both bank all documents needed to dispute the charges and there has not yet been a resolution. I have spoke with XXXX and XXXX of the XXXX XXXX XXXX for Banc of California in regards to speaking to the dispute department XXXX had advised me that the dispute will not contact me only her and she will summit all document that I Offered her on XX/XX/2019 when the dispute was filed by the end of the business day today which is over the ten days I was advised that the dispute process would take. I have tried to resolve this issue with Merchant on XX/XX/2019 by talking to the manager the front desk associate XXXX who refuse to give me her name another front desk clerk give me her name. I also went to the location and spoke to XXXX today a Manager XXXX over the phone the evening around XXXX western time and they all dont have any receipt XXXX ask me to give him copies of the credit receipt that was never posted to my account with no resolution they all are acting as thou they dont know how the credit was not issued back to my card. I ask for the corporate phone and called there today with no response as of right now. XXXX who worked at the XXXX stated that all charges before XX/XX/2019 were not charges to my accounts but authorizations and without premission charge my account for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: GA

Complaint narrative:
Balance {$18000.00} Last reported XX/XX/2019 Mail and faxed dispute

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 2019-09-11 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: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX  ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX.

XXXX did remove it.

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 2019-09-11 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : CCS, ACC # XXXX. 
XXXX did remove it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019 I opened online a checking account with Bank of America ( routing number is XXXX, and the account number is XXXX ). I did this so some one can easily pay me. On XX/XX/XXXX, I received an unusual letter ( see attached ) from them dated XX/XX/XXXX threatening to close my account on XX/XX/XXXX unless I provide them with my date of birth. The letter had an identification number of XXXX and a control number of XXXX. I called the number on the letter XXXX three times. The first time, the person I spoke with insisted that I answer what seemed like an exhaustive list of questions about my personal identify ( such as my address, last four of my social security number, my phone number and my date of birth ) that I had to answer to her satisfaction or my account would be closed. I provided this information to this person several times but she was not satisfied, so I asked to speak to a Supervisor. I eventually spoke to Supervisor XXXX  in the Know Your Customer center, and he unable to resolve this issue. The second time I called, I spoke to XXXX, provided him the information, he told me I was done and everything was OK. After my call with XXXX  ended, he called me back and said I had to provide it again. I asked to speak to his manager, and he refused because he said all the managers were busy. So I called XXXX a third time, spoke to XXXX, provided her with all my personal identification information, and when she said that I satisfied the demands of the XX/XX/XXXX letter, I asked her for either a confirmation number or an email for proof that I satisfied the letter of XX/XX/XXXX and that my account would not be closed on XX/XX/XXXX. XXXX was unable to provide me with either.

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 2019-09-11 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Ncc business XXXX florida put unauthorized charges on my credit report listing it as a collections account. I disputed the charge and they wrote me explaining, I needed to sign a notarized affidavit w painting this was an unauthorized charge.

I did that and also provided a copy of my driver 's license via snail mail. Yet, this company has never responded back or removed the debt off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Trying to utilize Experian is a nightmare. I have tried to create an account, logon to their website, and tried to call their company. Every phone option leads you to be hung up on. This is intentional. I tried to reinstate my credit freeze online and it will not allow me to. Then I went and tried to create an account online so I could manage it. It wouldn't work. Then I tried to call the company to get access to my account. It is a vicious circle designed to frustrate consumers without providing any resolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX would like to formally complain about my mortgage servicer XXXX. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2019. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2019. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, 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