vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
I have already submitted a complain # XXXX-XXXX addition document receive from bank showing I had money in the account when receiving a overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " XXXX XXXX XXXX ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my Equifax report. However, this attempted credit card application was fraudulent and the Equifax hard pull must be removed. 

I contacted XXXX - XXXX XXXX on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted Equifax on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with Equifax on XX/XX/2019 as well as contacted XXXX  - XXXX XXXX. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by Equifax. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from Equifax, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from XXXX - XXXX XXXX on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed immediately after these multiple attempts to resolve this through the bank ( XXXX - XXXX XXXX ) and credit reporting agency ( Equifax ). 

Additionally, this XXXX - XXXX XXXX fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
XX/XX/2019 my Mortgage which is on a 30 yrs fixed rate at 3.875 percent just went up an additional XXXX a month and the Escrow just told me it was because of switching insurance and switching back to the original insurance which make NO Sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NY

Complaint narrative:
I viewed my credit reports and saw that I have 15 Education Loans that dates back to XXXX with XXXX XXXX XXXX on my credit reports. 
These are several accounts reporting the one late payment for XX/XX/XXXX, also stating that " the '' one late payment is 90 days late. However on the previous year XXXX, I paid on time from XXXX to XXXX, so I do not understand why they are reporting a 90 day late on XX/XX/XXXX. Are there still only 30 days that make up 1 month? This inaccurate reporting has been negatively impacting my credit. 
It is also being reported as 15 late payments accounts when it is the SAME ACCOUNT AND THE SAME MONTH XX/XX/XXXX. 
These accounts have been PAID and CLOSED. The last updated report was from XX/XX/XXXX, this information is outdated. Also on the same credit report, the same account number also has 3 accounts  reporting XX/XX/XXXX as paid and in a positive status. This also conflicts with the other accounts, please note they are all the same account numbers.

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 2019-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I got a demand of payment from a company named, FIRST FINANCIAL ASSET MGMT INC. they alleged, that I owed them $ XXXX.I sent them a letter right after I recieved their letter, of a contractual relationship, between I and them and ..which will make FIRST FINANCIAL ASSET, a company entitled to enforce a commercial claim against me ... I also said that this letter is not for a " verification '' or " validation '' ... ... ..which they haven't shown me ... ... ..they keep on trying to collect this money from me, without showing if they are entitled to this money ... .I also informed them that this letter was a request for proof of contract to substantiate your claim ... ... ..therefore provide a certified copy of an original contract, with my signature, specifically naming your company as a person, entitled to enforce a commercial claim against me ... ... .to this day they haven't done this yet ... ... ..I just got another ( XX/XX/2019 letter of demand for payment, now they are lowering their price, to XXXX all I want is for this company to stop their collection efforts ... ... Thank you ... ... XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes

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 2019-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
XXXX XXXX is attempting to complete a short sale with Loancare since XX/XX/2019. XXXX XXXX XXXX called Loancare and they said nothing is needed and we will have a decision next week. XXXX XXXX called Loancare XXXX and the said to call back next week and they will email me a copy of the short sale approval letter. XXXX XXXX XXXX called Loancare and the manager said the short sale was denied because there is a 2nd. mortgage lien on title. The manager called XXXX XXXX and said that was a mistake as the loan is a 2nd. mortgage with Loancare. The file we re-opened and loancare said they will have a decision in 2-3 business days. XXXX XXXX XXXX called Loancare and they said the file is closed because it is in an active Bankruptcy. I spoke with a manager and they said that is a mistake as we have Chapter XXXX Bankruptcy attorney approval to short sale. After being on hold for about an hour he said the file will be escalated for a decision, and to call back in 2-3 business days. XXXX Loancare said that the file can not be reviewed for a short sale until Loancare receives the 1st. mortgage payoff letter. After speaking with the manage again they were able to find the 1st. mortgage loan payoff letter that was emailed to them back in XXXX. He said he will send the file to the investor for a decision. The occurance of events mentioned about are just 4 weeks of 8 months of continuing mis informed updates, and many occasions of them not receiving documents but then after further review they eventually find the documents they said they don't have. Can someone please help Loancare follow short sale guidelines.

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 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: PA

Complaint narrative:
More than 8 years ago. I had cable services. I was having severe finacial problems at that time and I couldn't afford cable services anymore, so the cable company canceled my services. I ask if they wanted there equiment/cable boxes back and they refused to take back the equipment/boxes so they charged me for the boxes. This debt was apart of my bankrupcty. The XXXX XXXX XXXX put my account in collections and it appears they are charging me for the equipment so they are refusing to remove the debt from my credit report. The debt collection agency or the cable company changed the date to XXXX 2018 to keep it on my credit report This is not fair. Please help me in resolving this problem. 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 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Years ago while I was shopping in a local XXXX XXXX I was unattractive to my wallet. It was stolen or taken from my cart. When I found out I immediately filed a police report so I can get my cards back not thinking that I would need to do anything else. Years later after college I went to apply for a loan for a home and went to review my credit and saw many things that I was not familiar with. I did some research and found out my next step to getting it fixed was filling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST
State: NV

Complaint narrative:
item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

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 2019-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My family will be impacted by the deficiency judgement from a sheriff 's sale. 
I put my house on the market had a Contract and a Short Sale approvel on my mortgage which is now with the 3rd Trustee XXXX. My loan is now part of XXXX security XXXX. 

There is a replacement buyer on an a Short Sale Approval due to delay the peole I had bought something else. 

SPS servicing never told me the new buyer 's contract was never reviewed. I was not told that the replacement contract was never looked at. The new buyer Contract is all cash the buyer for the same amount. 

This unfair treatment will impact me and my children with the deficiency judgement from a sheriff 's sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received a notice that my payment was overdue, and that I needed to pay {$100.00} by the XXXX. I went to the online account and made the payment shown as due. I can see in my account that I made payments last month and the month before of {$33.00}, which I believe was the minimum payment amount when I set up those payments. I am signed up for paperless statements. I have not made any purchases on this card for many months -- it was used to purchase my cell phone and a case, and nothing else. 

I can not find anywhere in my account that displays 1 ) what charges or fees have been applied to my account, 2 ) what my payment due was, or the due date, for any past billing period. The email containing a link to my paperless " statement '' just takes me to the same " transactions and statements '' area of my online account, which says there has been no activity since my last statement, and likewise for past periods that I look at, it says no activity. It is possible that my payments were late, but I have no way to tell. I don't know what fees I was charged, or how the amount of {$100.00} was arrived at, because all it says is " no activity. '' In addition, I am unable to schedule a payment for next month or any future month. 

This all seems wrong to me. I should have a complete and itemized statement of what they claim is due on my account. I should be able to see, from a statement or from the payments section of my account, what was due, when it was due, what I paid, and when it was credited to my account. I should be able to see somewhere on the account site what my due date is.

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 2019-11-01 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: NY

Complaint narrative:
I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on Equifax and 19 late payments on XX/XX/XXXX but there are no evidence of this in the accounts that I have on my reports. 
This inaccurate reporting has been negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NJ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: PA

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX {$230.00} not mine

Company response to consumer: Closed with explanation