vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-13 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: GA

Complaint narrative:
I have sent a series of letters to XXXX, Transunion & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from XXXX  and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.

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 2021-01-13 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
I recently contacted Loan Depot regarding a mortgage refinance. I explained to them I was interested in estimating what my loan costs/feasibility would be, but that I was unwilling to have them pull my credit with a hard inquiry until we could confirm some information. Unfortunately, Loan Depot still pulled my credit with a hard inquiry without my permission. I wrote to Loan Depot and asked them to provide me with the evidence of the permission I granted ( which was never granted ). They were unable to provide this to me and did not follow up. This has caused my score to decrease and impacted my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2021-01-13 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: MO

Complaint narrative:
XX/XX/XXXX obtained car loan from Santander Consumer USA for {$17000.00}. Made monthly payments of over {$440.00} a month until XX/XX/XXXX when a deer hit our van and our insurance company of XXXX totaled said van. Santander Consumer USA was notified by insurance company and THEY accepted payment of over {$9000.00} for settlement of this van. With the monthly payments and the insurance check, this van was paid in full. In XX/XX/XXXX Santander Consumer USA did sent us a bill for the remaining 3 years on note for this van. This was illegal due to their accepting the payment from our insurance company and for the van being totaled and thus no more van. Santander Consumer USA refused to accept, and we notified the Missouri Attorney General and we disputed this being owed. Santander Consumer USA has placed on our credit report that the amount of {$7600.00} was charged off. LIE. That is not true. That was the amount we paid on the loan. They failed to list the insurance payment of over {$9000.00} that was given them. Santander Consumer USA has committed fraud, they have lied to cause my husband, XXXX XXXX XXXX co-signer, and me to be denied credit, or to have credit higher than should be. WE want this immediately corrected and removed from our credit reports to ALL credit agencies. We recently got a van loan and because of Santander Consumer USA 's lies, we had to have a high interest rate of XXXX per cent. Santander Consumer USA intentionally set out to harm us and our credit. They have committed fraud by putting false information to the credit bureaus. WE WANT THIS Corrected immediately. We want a letter from the credit bureaus stating that the information provided from Santander Consumer USA was fraud, lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
Debt amounts are questionable. I ran my credit report and seeing 4 medical debts from grant merchandise agency. 2 debts from kings collection. Grant merchandise is claiming I have 6 debts from them but im only seeing two debts being reported from XXXX. 4 from XXXX and none from XXXX. The amounts are not consistent from what I owe and would like them verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC SYSTEMS is reporting erroneously on my credit file. I recently checked my credit file and noticed a bunch of medical debt being reported on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be 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 explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia finance marked me late for 2 months when the last 2 months was supposed to be covered by the dealer " XXXX XXXX  XXXX XXXX '' this happened during covid times and it was impossible to get on hold of Kia finance over the phone, I tried numerous times and when I finally was able to speak to them and explain they already affected my credit really bad! 
I wish they could be more considerate and at least understand my situation, These are unprecedented times COVID put a lot of people out of work and I have never been late not even once on my previous or new lease with them so it is ridiculous that they refuse to remove the 2 months late charges on my credit 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 2021-01-13 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:
Fraudulent XXXX credit card account from 3 years ago showing up with an unpaid balcony that is the result of fraudulent activity and identity theft that has been reported multiple times but the credit reporting agency refuses to fix. This is affecting my life and sabotaging my ability to sign a lease, take out a loan, line of credit, etc

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 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage loan account was transferred to the Shellpoint Mortgage from my original lender Ditech in XX/XX/2019. I made a payments to the Shellpoint but it shows up on my credit reports as a 30 day late payment in XXXX on my XXXX  and late for XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted Shellpoint to get this corrected and I was told that when it transferred that there was a 60 day grace period and it should not be reporting on my credit report as a late payment. I have been contacting the company and talked to different customer service, Tier2 supervisors and Managers about the issue and they agree that there is a mistake on the reporting of my account and that they would get it corrected. I recently talked to a manager and he told me that it should not be reporting late and he would escalate the issue to be resolved asap. I have not had any corrections made and I need this to be resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
At this time, I respectfully request a copy of myXX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. 

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 non-monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I have reached out to spring Oaks Capital LLC several times and they have failed to provide the burden of proof to me in mail over time. Please help me help them follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: TN

Complaint narrative:
I want my personal background opted out from my credit report I do not give consent for my information to be released it effects my chances of being approved for any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
There are 3 people on the loan ( XXXX, XXXX, and XXXX  XXXX. My sister XXXX XXXX XXXX started to make payments for us in XX/XX/XXXX due to financial difficulties. 

We applied for the forbearance program back in XX/XX/XXXX due to COVID. XXXX  lived in a different state and when she came home and noticed that the payments were not being applied as requested, we requested the forbearance program again about XX/XX/XXXX. We received confirmation that forbearance program began XX/XX/XXXX. 

We paid {$13000.00} during fiscal year XXXX and the amount due including principal and interest for the fiscal year is {$14000.00} - note that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was not due, due to the forbearance which amounts to {$3700.00}. 

We filed a complaint previously w/the CFPB previously and M & T noted that XXXX is not an authorized 3rd party when she is a loan holder and CFPB closed the case. We called M & T mortgage and they said the person reviewing the file had to go to a second screen. It is very frustrating. 

To give credit, after the complaint was filed M & T did apply some of the payments towards the principal but now have a {$74000.00} payment unpaid for XXXX. I'm not sure how this was done but now our credit score is negatively impacted even though the forbearance program is not supposed to have any negative impact on your credit. 

I have been on the call w/M & T mortgage for literally XXXX to discuss this just today alone which ended up either in a disconnect or a hang up. CFPB was not that much helpful when I called after my frustration that I am in fact on the loan and their response that I am not an authorized 3rd party is XXXX - excuse my language.

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 2021-01-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
This debt was opened well over 7 years ago. The original determination was grand review resort. I never used the property and end up giving back the property. I was charged a maintenance fee twice even though I had thr property for six months. The debt should be removed from my account because the company is trying to get more money from me after there property was already returned. I want my debt verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: ID

Complaint narrative:
I tried to set up monthly auto pay for my mortgage through their website. There website was very confusing and I set up what I thought was 4 payments to pay XXXX, XXXX, XXXX and XX/XX/2020. My bank contacted me in XX/XX/2020 and said 4 Payments were trying to come out of my bank account on XX/XX/2020. I didn't have enough money in my account to cover 4 payments at once. I contacted Dovenmuehle mortgage and explained that I must have made a mistake when I set up the 4 payments. I spent over 1 hour on the phone with them and they told me the only solution was for them to return all 4 payments to my bank account. They instructed me to make 2 payments in XX/XX/2020. I was leary about having no payment for XX/XX/2020 ( because they returned it to me XXXX but they assured me that I didn't need to make a payment until XX/XX/2020. 
In XX/XX/2020 I received a credit report alert stating that I had missed my XX/XX/2020 mortgage payment. I immediately called Dovenmuehle Mortgage and explained that they had reported a missed payment and what had happened in XX/XX/2020 and the lady told me she would take care of it but that it may take awhile due to staff shortages due to XXXX XXXX. 
I have called them several times and I get disconnected after spending a lot of time on the phone. I have emailed them and they have not resolved this issue. Today I was on the phone with XXXX with Dovenmuehle mortgage and she was arguing with me before she even knew what my issue was. After being on the phone with her for a long time I once again was disconnected. I called back and was placed on hold for so long I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting an erroneous debt on my credit file. They are reporting on my credit file for a debt that I dont owe, I am unaware of any debts that I owe because I have been working with the hospital & I have insurance as well as medical hardship. This debt should have never been sent to collection. This is erroneous and needs to be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
JPMCB Card services is charged on my account. I have no knowledge of this account. Currently has a balance of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a late payment notice on a Target Credit Card. I immediately paid the balance that was due when notified. I spoke with the company directly and they said that they remove the late payment from my credit report and the late payments are still showing on my credit profile and they are hindering my home buying process in a very negative way. I have reached out to the bureaus directly and haven't received a response ( its been over 60 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
I have already notified the credit bureaus of my issue with identity theft. I have never had a XXXX account in my life and I don't know why it is reporting on my account. This is a fraudulent account and should be deleted from my credit reports immediately. I was under the impression that credit bureaus could only report 100 % verifiable and accurate information. 

I am 100 % sure that this is an inaccurate account because I have never been to a XXXX store or their website. 

My information was also compromised in the Equifax data breach. I don't know has their hands on my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.

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 2021-01-13 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:
Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.

Company response to consumer: Closed with explanation