vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : XX/XX/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 2020-09-17 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:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX : Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Amerisave Mortgage charged my card {$500.00} on XX/XX/2020. Today is XX/XX/2020. The company has not answered any of my emails regarding return of my funds in that they have not provided any disclosures other than flood certificate info and other not useful information. I have NOT received any documents whatsoever showing what my closing costs might be. Further, my desire to use my own attorney and title company seems to have fallen on deaf ears in so much as Amerisave info reviewed online always shows that they are mandating use of their choices. I want my money back. I have emailed the rep, who goes by the name XXXX XXXX XXXX, has not responded in over a week. Please help make this right. I am clueless as to my costs and how appropriated. Additionally, Amerisave has seperated my refi into 2 loan docs for some reason. I think to make them more money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
After repossession of my vehicle, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement, Santander then turns around and sells the debt to XXXX XXXX XXXX, a collection agency on XX/XX/XXXX. 

As you can see in the attachments, Santander just settled the case earlier this year, XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile altogether. In no way was this account to be sold to a collection agency. 

Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX did not have authorization or permissible purpose to access 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 2020-09-17 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: TX

Complaint narrative:
XXXX  XXXX XXXX did not have authorization or permissible purpose to access 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 2020-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
This is a matter that was requested for remittance from US Bank to XXXX XXXX, and it was organized as remitted to US Bank and was not received at XXXX XXXX, So it is a concern about loss of remittance. 

1 Remittance request date ; XX/XX/2020. 
2 From US Bank to XXXX XXXX. 
3 Amount ; {$1200.00} 4 I have many time calls to US Bank, but the calls is not possible. 
( US Bank Customer service 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 2020-09-17 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:
To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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 need some assistant with the following unverified accounts that are showing on my credit report : XXXX  XXXX  XXXX XXXX # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA 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 2020-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I owed Kia on property taxes. 
Made an arrangement with them to pay the remaining {$280.00} on XX/XX/2020. 
They reported me to the credit bureau on XX/XX/XXXX and XXXX, 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: GA

Complaint narrative:
THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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:
THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAS. On XX/XX/2020, I mailed XXXX,   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On my credit report it shows i have 9 inquiries from XXXX, XXXX, XXXX XXXX XXXX. Things i didnt apply for .All the dates are different but mainly the year wasXX/XX/2019! Because of this i cant even get a bank! Then theres another inquiry from PayPal, another thing i didnt apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
HI XXXX! I have XXXX bill colelction for {$810.00}???? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have repeatedly benn called by Conns stating that I am past due. My credit report states that I am current with payments. I have talked to management in XX/XX/2020, XXXX XXXX and XX/XX/2020. They told me each time to disregard calls from as this was a technical error. Now i have been reported to the credit bureau without due cause and my credit score has gone down. I am seeking legal action at this time. They call frequently relative to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
XX/XX/XXXX I XXXX chapter XXXX The Amount XXXX : Mortnges- 5 month Past due-total XXXX XXXX XXXX- Scam check XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Home owner association.- penalty {$10.00} Everyday. XXXX I my I pay my mortgage to XXXX XXXX XXXX XXXX until XX/XX/XXXX I dont know that they sell my property to Fay Servicing and Fay Servicing they foreclosures XXXX. They said Im not pay them and they said my own to them XXXX I submit to my lowyer my recipes pay to XXXX XXXX and the monthly payment to trustee. I dont understand why they dont deducted si post to be In m done but still they gave me hardship. I dont understand why they did this and my deed and tittle my home they try to transfer to them I have all record they testing to compute me how to handle chapter XXXX   pls help me I have all record and check my phone to much my XXXXredit score very bad I dont know how marketing they now my information. XXXX until right now is to much stressing for me they stop my life for peaceful. 
XXXX my hard ship : I cut hrs to my work doctor order I have child XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My son who help me XXXX XXXX XXXX in XXXX he accidents costs XXXX -name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.I have parents and XXXX XXXX to support in my country. I am single mother. 
I field modification to XXXX XXXX and Fay Servicing since XXXX but never response and approve. They always say they are the owner of my home. I both this home since XXXX XX/XX/XXXX XXXX XXXX section XXXX   ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX as the same appears duly  dedicated platted And recorded in deed book XXXX at page XXXX among the land record of XXXX XXXX Virginia. I both this consideration grantee to me XXXX XXXX XXXX XXXX XXXX Virginia. The amount of XXXX. Then right now they said the owner they dont allow give me options for any assistance. I am the owner I have all documented and recipe. Pls Im very tried and very composing this problem. Pls I need really helps. 
Thank you so much Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted Experian, XXXX, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX  Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : 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 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Ive been with Santander for about 4 years and 1 month. They recently came and got my car this week. I have missed payments but I was still trying to communicate with them and tell them why I was missing payments. Which was because of being on leave from work with no pay. And I recently just got put on leave again with no pay at all. So I wasnt able to make as much payments. When I did make payments I couldnt see my past due balance on my account because Santander had it to where I couldnt see the past due amount. I put money on on my account and didnt know where the money was going. They charged my account off In XXXX and didnt come get the car until XXXX. They also have so many delinquent accounts on my credit but never decide to repo the car until this week. I also notice that its lawsuit out and Im dealing with the same situation as it says in the lawsuit. I talk to one person they say well I can try to do a certain thing to fix the situation and another person says something different! Im just trying to figure out the best way out of this situation. I feel as though I wasnt done wrong by this Santander company as well. I have had the car 4 years and 1 month and They decide to come get it after 4 Years of having the car. That shouldve been half way paid off by now but I didnt see a difference when I was putting money on it. Also, the woman I spoke with early this week said I made a payment in may but didnt say anything about the payment I made on XX/XX/XXXX as well. I cant say the recent payment on my account either.

Company response to consumer: Closed with explanation