vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I exercised my rights using 609 ( a ) ( 1 ) ( A ) and 611 ( a ) sections of the fcra. The company did not comply with the laws and they said they verified my accounts through a third party wich is not a physical verification. I contacted the original furnisher and they said that information is not reported to the credit reporting agencies by them. And if there are requests by me to get them to verify information is inaccurate in the court systems, they must request the court to evaluate whether the information is correct and that did not happen. There would be documentation sent to me by the court that the verification took place and it did not. I will enclose a letter from The court that show my information is not being physically obtain and Transunion is violating my rights to 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 2020-09-15 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Good Evening. I was notified by my credit reporting agency ( XXXX  ) that my current finance company Santander, has reported my my car as a Charge Of in XXXX of XXXX. I was not notified in writing that this matter has occurred. My financing company Santander, has stated that my account is current and up to date and that is false. I have disputed numerous amounts of times, since XXXX of XXXX to investigate this matter, nothing has been corrected. I have three different balances due to Santander not accurately reporting to the credit bureaus. The financing company Santander, is currently reporting my account as negative every month and I am current on my payments. Santander has made false claims they are reporting to all three credit bureaus, which is not correct. My XXXX report does not show Santander reporting to them at all. I've  requested on XX/XX/XXXX to investigate why they are not current and why they are reporting as a Charge Off on my credit reports, Santander returned a letter on XX/XX/XXXX, stating the account is accurate and correct, which is also not true. I've applied for credit in other departments and they have verified that I am not the current owner of the vehicle and have been denied credit several times due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
In XX/XX/2019 I began having difficulty making my mortgage payment. I tried to pay half and then catch up XXXX, and was unable to do so based on PHH ( a subsidiary of Ocwen ) not accepting partial payment and not responding to my question. I then applied for a modification. I sent all the required documents to them. They claimed not to have received them. I sent proof to them that they were sent. Then they claimed that the tax returns werent signed. I verified they had been. I then reached out to a short sale company, but was told by my relationship manager that I had to first request modification. She stated she saw that the tax returns were signed and  didnt know what the problem was this was in XXXX. The Real estate agent I was working with was unable to get anywhere with the mortgage company regarding what they wanted and how to go about getting the property sold. In XXXX I lost my job. I advised PHH this. They did not care. I made calls to them daily and each time theyd say a different thing or state that I didnt send them this document or that or that it was outdated and any excuse they could find. I needed to move because I lost my job. I hired a different agent who I thought could better assist me. I was finally denied the loan modification so I could proceed with liquidation. When I finally obtained a buyer I was told that I had been approved for the short sale and also that I could get a cash incentive or a consideration payment of up to {$4500.00}. This was in my letter. I was then told the buyer would have to pay for it. The buyer has been waiting since XXXX to get the home. Buyer threatened to back out because they didnt want to pay my relocation fees. We are still fighting with the bank. I feel nothing will get resolved and the home will be foreclosed on. I have no guidance in this  manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I submitted consumer complaint letters to XXXX  and TransUnion because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on  XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I submitted consumer complaint letters to Equifax because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: KS

Complaint narrative:
The company in question ( XXXX XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

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 2020-09-15 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: EQUIFAX, INC.
State: KS

Complaint narrative:
The company in question ( XXXX XXXX ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The company in question ( XXXX  XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

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 2020-09-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: ND

Complaint narrative:
This is a follow up from Complaint ID # : XXXX. 

Dear Santander Consumer USA Legal Team : I sincerely appreciate you responding to my complaints and your commitment to coming to a fair resolution to this issue. I would, however, really appreciate if you do not insult my intelligence. 

Per your Deficiency Waiver on https : //santandermultistateagsettlement.com/Information-for-Consumers : " Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Consumers who qualify for this relief will receive notice. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. 

My car loan was obtained on XX/XX/XXXX and was charged off on XX/XX/XXXX. So therefore, I am qualified for this settlement. You have the authority to remove this debt from my credit report regardless of what the FCRA states. I'm also not asking you to violate the FCRA, I'm simply asking you to remove the account from credit reports because per the settlement agreement YOU ARE REQUIRED TO DO SO!! 

If we can not reach an agreement, I am prepared to file a civil suit against your company. This is my 3rd complaint through the CFPB and I have given up on reaching out to you via mail because you do not respond to my direct mails. 

Again, I am prepared to settle this account but the account needs to be removed from my credit reports. I'm also prepared to contact my lawyer with all the correspondence sent to your company and my attempt to settle the account. 

It's so ironic how you weren't concerned with the FCRA to begin with which is why you are involved in a multistate lawsuit to begin with. Why the concern with the FCRA now? 

Again, I am offering to settle again for {$2500.00} as agreed upon in my Pay to Delete Letter but the account has to be removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I ask for relief during the pandemic just like I ask for relief on all my cards and I was given relief now that I have to start paying my bill is {$580.00} over the limit by {$400.00} my bill normally around {$100.00} last time I called in I believe its the interest that happen during the relief but to be honest I have 10 other credit cards and a couple are over the limit and the bill is no where near this high. When I called last month on XX/XX/20 a representative advised me that my bill will be {$290.00} on XX/XX/20 I have that called record on my phone. This needs to be reviewed because something is wrong here. Im a single mother and Im XXXX. I have had XXXX and I dont need the stress I have no problem paying my bill but {$580.00} is way too much to expect me to pay. I was suppose be paying this card off but the check was delayed due to a date was cancel because of the COVID virus by my lawyer. I really need this to be adjusted due to I can not afford to pay that amount. Out all my cards that gave me relief during the pandemic this is the only one like this it seems like something is majorly wrong. I been having my 11 credit cards for years and been over limit but I have not ever had to pay this much on a card. I  just feel like Im being discriminated against because Im XXXX. Thank you for your time. Have a wonderful day.

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 2020-09-15 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: CA

Complaint narrative:
I paid off my Synchrony Lowes account. After this account was paid, Synchrony added a couple dollars of interest. I was not made aware of a new charge, and the card ended up getting late payments. Once I was made aware, I immediately paid the account off, again. Now Synchrony is refusing to remove the late payments, despite adding interest to the account after I paid it full. I later received a notice from Synchrony stating that they have to report accurately but never acknowledged that interest was charged after the account was paid off. They are using unethical practices and are taking advantage of me and it is extremely frustrating. These late payments should not be there!

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 2020-09-15 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: GA

Complaint narrative:
1 ) Per escrow analysis from mortgage company XXXX XXXX, making an additional payment of {$2800.00} would put my monthly payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to XXXX XXXX and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as XXXX XXXX continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later.

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by XXXX XXXX for which my Equifax credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling XXXX XXXX has been nothing but a waste of time, and energy. It's very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I submitted consumer complaint letters to Experian and XXXX because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company is reporting information on my report without properly verifying. I kindly ask that they use the guidelines of the 609 section in fcra and they failed to do so I also did not receive any documentation that show that the information is actually what it is. The company did not send me the information they used to make the items i disputed mine. They are required to have that information on hand and provide it as proof when I ask for it, exercising my writes using section 609 of the FCRA.

Company response to consumer: Closed with explanation