vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I signed up for credit reporting with transunion and when I tried to cancel it yesterday on the phone it didnt allow me to, now it charged me XXXX dollars for something I didnt want. 
Ive tried to stop the credit reporting but it doesnt stop.

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 2020-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have received a new account credit card with XXXX XXXX which is XXXX XXXX. Signing up for said card, I was promised they would report my account and history to all 3 Major Credit Bureaus every month. Monitoring my credit reports, I see that they have reported to only two credit bureaus, and not to Transunion. This has effected my credit score in a negative manner.

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 2020-02-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX signed me up without my permission and included me in Experian Credit Protection without my permission. I in turned went to the Experian account online and requested the removal of the credit inquiry from XXXX and to remove my name from their protection account file. They then released my name and phone number to thousands of insurance companies, financial help sites, bankruptcy attorneys and so on. I am getting 500 calls a day and can not get it stopped. HELP.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I never got a letter stating I owed a debt from XXXX. This collection was placed on my credit report on XX/XX/XXXX. I contacted the debt collection company and requested a Debt validation letter. The man on the other end of the phone informed me it would take about 30 days. To the current date, I still have not received any formal debt validation letter from PHOENIX FINANCIAL SERVICE. While the collection has been removed from the other credit bureau 's it still remains on XXXX phoenix Financial service can not prove I owe this debt. I would like it removed from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
This " debt '' came from an inaccuracy in insurance information 4 years ago, which was handled and paid by insurance. It showed that no insurance was available which was a mistake. This account has now gone through several debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: CA

Complaint narrative:
In early XXXX of XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under a new XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone umber. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than 10 separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX filed with claim representative XXXX XXXX. report number XXXX, contact number XXXX. I was promised resolution within 10 days and never received any further contact Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is my second complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the Santander USA. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX/XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Specialized Loan Servicing LLC ( SLS ), owned by an Australian-based company, XXXX, conducted a non-judicial foreclosure sale on my property on XX/XX/XXXX during a forbearance agreement and could not validate if the loan was in default at the time of the nonjudicial foreclosure sale, rescinded the non-judicial foreclosure sale due in part to a complaint filed with the CFPB ( case number XXXX ), and offered a loan modification in XXXX. However, SLS, the servicer and debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ), and the lender, XXXX XXXX  XXXX XXXX XXXX, as indenture Trustee, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) have not validated the loan balance as requested by Real Estate Settlement Procedures Act ( RESPA ) Qualified Written Request Letter ( QWR ) - Request for Information and Notice of Error pursuant to Section 6 ( 12 U.S.C. 2605 ) despite signing an affidavit under oath in XX/XX/XXXX that the mortgage loan balance is accurate. On XX/XX/XXXX a QWR letter was sent to SLS and a SLS representative verified in a call on XX/XX/XXXX that they did not completely validate the accuracy of the mortgage loan balance from the prior servicer ( s ) in their response as required by CFPD debt violation procedures. On XX/XX/XXXX a second QWR letter was sent to SLS per their request during a conversation on XX/XX/XXXX which is a violation of RESPA Section 6 since they should have validated the mortgage loan balance within 30 days from the XX/XX/XXXX QWR letter or stop collecting loan payments until the error could be addressed. I requested that they stop collecting monthly mortgage payments until they verify the accuracy of the mortgage balance and they did not. I believe that the current mortgage loan balance is well overstated and is causing me financial harm. Also, XXXX can not verify if my mortgage loan is included in the Trust ( i.e, XXXX XXXX XXXX XXXX Callable Mortgage-Backed Notes, XXXX XXXX ) which is in violation of New York Trust Law, SEC regulations and IRS regulations. A XXXX executive signed under oath that my mortgage loan is included in the Trust, but have not been able to provide any evidence. In additional to the violation of RESPA and FDCPA requirements, I believe that SLS and XXXX are in violation of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act by filing a false and misleading affidavit. They should be able to prove the loan balance owed and prove that the loan is indeed in the Trust. I believe that SLS and XXXX are engaged in unfair, deceptive or abusive acts or practices that violate federal consumer financial laws.

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 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX   has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and Equifax is NOT reporting this information AT ALL!!! Also XXXX has XXXX XXXX, XXXX # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I saw interest charge {$10.00} on my credit card at XX/XX/15. I don't quite understand why it occurs in my account as the autopay was enabled to pay full statement balance every month. The customer service is unable to do the refund.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA advertises ZERO LIABILITY for fraud. USAA has left me liable for fraud charges that occurred beginning XX/XX/XXXX. See attatched 4 four Letters. Three dated XX/XX/XXXX that give card ending XXXX Transaction date XX/XX/XXXX {$15.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$17.00} XXXX. Kindly Note All three of these transaction charges and dates ** are included in what I reported UNAUTHORIZED. There were {$470.00} total reported fraud by me sometime in XX/XX/XXXX I am thinking. My XXXX statement closed XX/XX/XXXX The statement would have reached me XXXX first week. I do not have an elaborate computer as USAA does to document dates I called fraud. I have a XXXX  XXXX as well AND APOLOGIZE IN ADVANCE that I have No Access due to my XXXX. The letter dated XX/XX/XXXX DOCUMENTED MY CLAIM DATE AS XX/XX/XXXX. I based my info on USAA documentation. What I do KNOW : The card ended XXXX in XX/XX/XXXX. The letters XX/XX/XXXX ALL CREDITS WERE BACK ON CARD AGAIN XX/XX/XXXX as New Purchases. Permanet was Not permanet. NO USAA CREDITS have appeared on statements from XX/XX/XXXX to XX/XX/XXXX LISTED AS TOTAL PAYMENTS AND CREDITS for this period. AND What ever date I did really report {$470.00} UNAUTHORIZED MY FRAUD card XXXX WAS ALTERED to DISPUTES on card XXXX AND ONLY {$59.00} credits were given when I reported {$470.00}. AND THEY WERE BACK ON CARD XX/XX/XXXX DISPUTE NOT IN MY FAVOR. USAAs INFORMATION IS NOT HONEST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: GreenSky, LLC
State: FL

Complaint narrative:
Hello, I would like to file a complaint against Green Sky for improper credit reporting on my credit report. I had a loan with Green sky starting in XXXX of XXXX for XXXX XXXX for an alarm system. We returned all of the equipment in XXXX and they released us from the contract and advised that we owed XXXX balance on XX/XX/XXXX. XXXX sent over the information to Green Sky in XXXX of XXXX that we owed nothing. In the meantime Green sky has reported me late for XX/XX/XXXX and XX/XX/XXXX fraudulently. The problem is no one will change the date to XX/XX/XXXX and correct my credit. I sent a formal dispute on XX/XX/XXXX to Green Sky with a letter and all of the documentation to settle and correct my credit report, to date I have not received any response. I have spoken to them several times and no one will fix this problem. I am very upset that I have a 30 and a 60 day late on my credit report and I was not Late and didnt owe them any money. They removed the 2 late payments amounts and told me I didnt owe them a penny. I need your help in getting this corrected and can send all of the documentation I sent to them as well. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX keeps reporting a {$120.00} debt they say i owe to XXXX for the last 5 months now. I keep disputing the charge and they have not done anything about it. 

1. I havent had XXXX in over 2 years so how all of sudden in the last 5 months i suddenly owe? 
2. I paid XXXX in Full prior to switching to XXXX. I know this because XXXX provided me with the unlock code on the phone i paid off so i could switch to XXXX. They will not provide the unlock code for an iphone until your account is paid in full. 
3. For over 2 years nothing has ever been reported on my credit report ( you can check my credit to verify ) now all of sudden i owe XXXX or this collection agency {$120.00}? 

I have asked over 4 time for XXXX  to remove it and they will not. XXXX is the only credit reporting agency that has the supposed collection on my credit report. XXXX and XXXX are not reporting 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 2020-02-20 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: GA

Complaint narrative:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and Equifax has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and Equifax has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC    # XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and Equifax has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX , ACC # XXXX High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and Equifax has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another?  This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm requesting XXXX XXXX to remove my HELOC was part of my chapter XXXX filed back in in XX/XX/XXXX. I tried numerous times to rectify this w/the credit bureaus.The loan was transferred to XXXX XXXX XXXX and paid in full back in XX/XX/XXXX. I want the incorrect reporting removed from my credit reports - all 3 major bureaus and I would like proof that it has been done.

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