vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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: NY

Complaint narrative:
Not my account or inquires

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 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX, I was an absentee minor resident, away for college. The Lease was over in XX/XX/2018. I have gone to the companies credit bureau, and the company has refused to respond to any request made by the bureau to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: IL

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX, that I owed {$20000.00}. I then, IMMEDIATELY sent a certified letter asking for validity of the account before XXXX XXXX could assume the debt as mine. On XX/XX/XXXX I was notified by Transunion that the debt was now on my credit file. I then IMMEDIATELY sent a certified letter to Transunion asking for an investigation. On XX/XX/XXXX I received documentation from XXXX XXXX but it was not proving evidence that I made these such charges. I then asked for further information concluding that I made these such charges. I received nothing. I then sent a certified letter asking Transunion for a " reinvestigation '' and upon days of receiving it, they again concluded it was my debt but how? The lease states " XX/XX/XXXX keys on counter '' so how can you assume charges that were assessed over 5 months later on XX/XX/XXXX to be charges made by me? Anyone could have made those damages including vandalism. This evidence was not conclusive. Even with me pointing out the error, Transunion is still reporting the debt as mine. XXXX XXXX has not provided adequate proof that this debt is mine so Transunion should not be reporting false information on my credit file.

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 2020-01-06 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: AES/PHEAA
State: NJ

Complaint narrative:
This complaint is in regards to Fed Loan Servicing. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted Fed loan to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-01-06 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-01-06 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: NC

Complaint narrative:
Information remains on my consumer report despite filling the necessary documents to have all removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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: NC

Complaint narrative:
Information remains on my consumer report despite filling the necessary documents to have all 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 non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
My name is XXXX XXXX, I purchased a XXXX XXXX XXXX in XX/XX/2016 under XXXX XXXX which months later became First investors financial services. When this happend my loan increased, according the company because of the transfer the loaning companys went thru. Since I purchased this vehicle I have had nothing but nightmares with this company or companies. I was not even aware of when the transfer took place. I have also made payments and they say they havent received a payment, at one point they also charged me for a towing service since repo apparently had gone repossess my vehicle. They never repossessed or attempted to, to the best of my knowledge I felt forced to pay the towing fee to avoid future problems and charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
I'm not responsible for this account, i never sign contracts with this company.

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 2020-01-06 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: FL

Complaint narrative:
I'm not responsible for this account, i never sign contracts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: CA

Complaint narrative:
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2020-01-06 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: CA

Complaint narrative:
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2020-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.

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 2020-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
I've never been late on a payment and always paid extra. Eventually I realized that my additional payments were not being applied towards principal and called in to have it fixed. The rep told me she would fix it. Within a few days I got a certified letter saying my account was over 90 days past due and my car could be repossessed. I was also receiving repeated calls from Nissan about my " past due '' account. Apparently the rep had applied so much money towards principal that she immediately put my loan 90+ days past due. My credit rating has dropped over 180 points in 2 months. After numerous calls and numerous unkept promises, nothing has been done. While XXXX shopping I was asked to apply for an XXXX credit card to save 20 % on my bill. I was rejected on the spot. It was beyond humiliating. I'm old school and take my credit VERY seriously! I'm asking for your help PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
I received notification that my mortgage was sold by XXXX to Carrington mortgage back in XX/XX/XXXX. During this sell of my mortgage, Carrington Mortgage cancelled my automatic monthly payments without my knowledge or authority. During the duration of my mortgage with XXXX, I had zero late payments and all monthly payments were automatically drafted from my checking account. I was shocked when I received a document showing I was behind on my XXXX payment. At this time, I called Carrington Mortgage and asked why they cancelled my automatic payments and they could not give me a valid answer. At that point I asked how to set this back up on monthly automatic payments for mortgage payment. I filled out the bank form provided and mailed in the check for XXXX and XXXX mortgage payments. By completing and submitting this form, I was advised that the mortgage payments would be drafted automatically from the checking associated on the form. As of today, XX/XX/XXXX, I  received a letter from Carrington mortgage stating my account has been sold again. At this time, I called Carrington Mortgage to find out what has happened they explained that I am behind on payments from XX/XX/XXXX to current date of which I had not received no notification of any kind. The lack on notification and communication on the part of Carrington Mortgage has caused the disruption to my mortgage account. No verbal communication has occurred between myself and the mortgage company, beside the phone call made in XX/XX/XXXX to discuss the re-enrolling of the automatic payment and the phone call today XX/XX/XXXX.I attempted to pay the monthly payments for XX/XX/XXXX - XX/XX/XXXX, but they told me that I could not pay anything until I was charged attorney fee 's. In attempt to remedy this and bring my account up to date, I was denied the ability to pay. I also tried to go online and login to Carrington Mortgagee to view past payments and the ability to see what is due, the account has been denied user access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: BB&T CORPORATION
State: MA

Complaint narrative:
XX/XX/2019 my wife and I were not working so we asked BB & T for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. 

We were never told that BB & T would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if BB & T was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. 

BB & T is saying we paid XX/XX/2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.

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 2020-01-06 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have 7 bad marks on my credit from Synchrony bank due to their claim of delinquent payments. However, these marks should not exist because Synchrony repeatedly failed to inform me that multiple attempted payments were not going through. 

The account was paid in full XX/XX/XXXX2019, however my credit reflects Synchrony claiming I was delinquent 7 times : 30-59 days - XX/XX/XXXX, XX/XX/XXXX 60 days - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days - XX/XX/XXXX, XX/XX/XXXX While carrying the loan, I'd made multiple attempts to pay my balance over phone. I was told at the end of each phone call that my payment was processed. The next month, I'd receive another statement and go through the same process, again being told that my payment was processed. All the while, I was not informed of my payments being rejected after our phone call had ended. After a few months, I caught on to the accruing late fees and un-moving balance, and when I brought this to the attention of Synchrony they had no record of ( or willingness to share ) my attempted payment. They even disconnected me on one occasion I'd brought the issue to their attention I began working with Synchrony on XX/XX/XXXX to open an investigation on my account. On XXXX, they concluded their investigation and decided there wasn't any means for removal of the marks. I've requested additional information showing my multiple phone calls, attempts to pay, and the history of " unpaid '' balances following those conversations, but their are unwilling or unable to pull that history for 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 2020-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On or about XX/XX/19, XXXX XXXX XXXX appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from Santander showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
In XXXX I started the short sale process with Select Portfolio Servicing. 

SPS requested a BPO on my property that was made on XX/XX/19 and the banks appraised value was $ XXXX. The buyer presented an offer of $ XXXX and is willing to increase the offer to match the bank 's appraised value. However the bank is now stating they are aware the value is $ XXXX but they want $ XXXX. This is bordering on consumer fraud and not acting in good faith. They are wanting a higher amount than the value of the property. If they were lending to the buyer, they would NEVER give the buyer a loan for $ XXXX for a property valued at $ XXXX. This is ludicrous and forcing me into foreclosure. PLEASE HELP ME. This is my second request and I have no where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: NJ

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX. I currently have XXXX different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XXXX and XXXX of XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX  to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XXXX and XX/XX/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 2020-01-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is in regards to XXXX  XXXX XXXX. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/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