vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Account Balance : {$15000.00} It is apparent that you have overlooked or ignored my request to settle the above mentioned account. The settlement letter was sent XX/XX/20 via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Per USPS this letter was received by your company. I have taken the liberty to attach the original letter, a second notice for settlement, as well as a cease and desist letter to this complaint. My first settlement letter specifically states that I am to be contacted by mail only however, your company has chosen to ignore that request. I am more than willing to join the many participants who have taken legal action against Santander Consumer USA for call violations. This is my last attempt to inform Santander Consumer USA of the option to settle this alleged debt. Please see my responses that I have attached. I will again remind Santander Consumer USA that the only form of communication between myself and their company is to be had via CFPB Portal or mail. Please do not overlook this communication. If you do I will assume that the alleged debt that your company is associating with me has been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00}. I HAVE SETTLED AND CLOSED THIS 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 2020-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00}. I HAVE SETTLED AND CLOSED THIS 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 2020-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX OCCURRENCE DATE XXXX XXXX  XXXX/XXXX  XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT, AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS FALSE AS THE ACCOUNT FIRST MAJOR DELINQUENCY WAS XX/XX/XXXX STATUS SHOULD READ PAID CHARGED OFF THE 81-PAYMENT HISTORY IS INCORRECT IS IN NOT COMPLETE AS IT FAILS TO STATE FOR YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. XXXX XXXX  XXXX/ XXXX STATES ACCOUNT WAS PAID BEFORE CHARGE OFF. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE MAJOR DELINQUENCY WAS ON XX/XX/XXXX AND PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT AS THE STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT AS IT STATES CHARGE OFF ON XX/XX/XXXX. BUT THE ACCOUNT WAS PAID RECEIPT IN XX/XX/XXXX. THREE MONTHS BEFORE CHARGE OFF DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
There is a negative derogatory mark on my report from Southern Oregon Credit Services that I do not remember. It was opened on XX/XX/2017 at the original amount of {$200.00} and now it's at {$230.00}. I do not recall any of this information as I have also attempted to call the company and I have not received a response and it's been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Around XX/XX/2019 I opened a checking account online with Chase Bank 3 days after account was opened the Company decided to force close my account when I confronted their corporate office about what had happened I was informed that it was an internal decision I asked for a statement of reason why they chose the decision the Company refused to give me the reason saying that they did not have to provide me this reason I believe I was discriminated against because of someone or some information internally used within this Company and I have the right to know as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had my home mortgage sold to Ally and am in the process of refinancing. They refuse to issue a pay off statement to the new lender because they claim that they had to purchase lender homeowners insurance. I have provided them 3 times with my Declarations page showing that they are the named insured and that I have paid the insurance in full. When I call the recording says that my account is uninsured. When I get to customer service they show that they have the information of my insurance but they have been unable to verify coverage by calling the number on the policy because they can not get a person on the phone. I have provided them with my insurance agent 's name, work phone, cell phone and email address but they only put it in their system as information for their insurance department, but will not transfer me to the insurance department to speak with someone. They actually gave me a wrong number to call to get me off the phone. I called back twice and spoke with two different people to put me in touch with a supervisor. Both time, after being on hold for over 20 minutes, I was told there was no one available and that I would receive a cal back in 2-4 hours. I have never received a call. I have spent over 2 hours on the phone to try and resolve this and get the cost of the insurance they are charging me for removed and to release my pay off statement. They are holding me captive and not allowing me to close my loan and give it to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Automobile Acceptance is attempting to collect a debt that is outside of the Statute of Limitations in violation of FCRA & FDCPA the derogatory remarks have hindered me from obtaining lines of credit and a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA/Compass Bank continually reports on all three credit bureaus that I am late or unknown data or " charged off '' on an account that has originally been charged off for almost two years. # XXXX The reporting and status information is never 100 % correct, yet they refuse to remove the account from my credit reports. Furthermore they never list the full account number that I previously listed, so as to confuse me and make disputing the inaccuracies very difficult. 

Furthermore this account has recently been sold/transferred to XXXX XXXX # XXXX and should have a {$0.00} amount as such. Also since the account is closed with a {$0.00} amount it should be removed from my three credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was going through my recent credit reports online and noticed on my Equifax report, there are several accounts in collections but no information on who the collector or agency is. I have no information stating where these accounts are coming and unsure how it was verified to be mine. I have no original creditor listed nor a collection agency. From my understanding, if an account has the ability to be listed as a negative account, I have to right to know who the original creditor is, and also who is trying to collect in the account. I have no information to go by to verify these accounts. This is clearly a violation. These accounts are hurting my file negatively and I would like for them to be removed immediately. I have included a screenshot of each account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
United Auto Credit is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent letters, also I sent police report, I called on XX/XX/XXXX XXXX, and the account was deleted / removed on XX/XX/XXXX also XXXX the account was deleted/ removed. In results of identity theft, the account wasnt mind, I have updated reports with item removed. I also contacted XXXX  XX/XX/XXXX, I received and update XX/XX/XXXX account remains

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 2020-02-27 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: FL

Complaint narrative:
Equifax is reporting two collections items ( # XXXX and # XXXX ) without naming the collection companies which allegedly are trying to collect the debts. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC  Cass opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GA

Complaint narrative:
Santander is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report twice, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them. 

After my formal complaint to the CFPB Santander closed the account, but this false info is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I spoke to XXXX USAA rep. She was UNABLE to answer my questions regarding the fraud on my account. See attatched FRAUD CLAIM LETTER dated XX/XX/XXXX CLEARLY USAA POLICY TEMPORARY CREDITS MUST BE MADE PERMANET AFTER INVESTIGATION COMPLETED. See attatched XX/XX/XXXX Statement There are {$2.00}, XXXX OTHER CREDITS TEMP CREDITS ONLY {$910.00} TOTAL CREDITS for this period.??? QUESTION : If USAA Policy is to Convert TEMP CREDITS TO PERMANET as clearly it is * IF TEMPORARY CREDITS NOT MADE PERMANET UNTIL MONTHS LATER ( HOW CAN PERMANET CREDITS EVER EFFECT THE BALANCE CALCLATED MONTHS PRIOR.??? ) Then she claimed TEMP CREDITS ARE REALLY PERMANET  AT THE TIME THEY ARE PLACED ON THE ACCOUNT. QUESTION : IF THAT IS TRUE, WHY DO TEMPORARY CREDITS NEED TO BE MADE PERMANET as letter XX/XX/XXXX explains? She could Not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This account was removed from my credit report 3 times, and each time it was reincerted, it also was REAGED with a different open date.I never received the mandatory 5 day letter in the mail prior to reincerting this on my credit report. 
This is a clear violation of my right to only have accurate info reporting on my credit report. I do NOT owe this company anything.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2019 charges of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX label Fraud Dispute were added to my credit card balance with no corresponding letters or anything in the mail. I did not authorize those charges and have gotten no updates in the mail from BoA about the refunds even though after calling I was told that was going to be reverted Further, this then happened again on XX/XX/XXXX for XXXX and XXXX and the letter that accompanied this was one stating these charges are being added back on due to a mistake. However, again I did not authorize those charges and I do not know what it is associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: LEXISNEXIS
State: OH

Complaint narrative:
I received a letter ( attached ) from LexisNexis on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to XXXX and others. 

In a phone conversation with LexisNexis on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with LexisNexis regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that LexisNexis has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! LexisNexis and XXXX are hindering my ability to get reasonable rates based on their LIES and Bogus reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against LexisNexis & XXXX  for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around XXXX, XXXX there was a few unauthorized charges on my account. I notified Home depo department about the charges and also confirmed my credit card was misplaced with out my knowledge. I disputed the charges. Home depot did an investigation and once they completed the investigation based on their review they placed the charges back on my account and came to the assumption the charges belonged to me. I been a client with hope depo for about 2 years, always paid on time and never had a issue. Im planning to drop their services for the disrespect I received from them with this assumption. I would like this resolved and cleared of all fraud 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 explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have written to Parramount two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act ... specifically they could not show me my signature on this alleged debt. Their continued listing this item on my credit report is a collection attempt which is barred under the the FTC XXXX opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation