vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/21. TransUnion has been notified now three times that they are reporting an inaccurate item on my credit profile. I have submitted to them evidence that the information is inaccurate, and each time they have came back stating that it has been verified as accurate. In this last response they did not even state that it was verified accurate or by whom it was verified they only stated that it was updated but did not specify what was updated. The item is Bankrupcty. Originally they stated that the it was veriifed by the Bankruptcy court. I sent a letter to the Bankruptcy court who replied that it was not verified as accurate by them and that they do not provide any information to any Credit Reporting Agency. I sent TransUnion a copy of the letter I sent to the court, and a copy of their response. They then replied that it was verified by XXXX XXXX, I sent mutiple letters to XXXX XXXX to find out how they verified the information, and they eventually sent a letter stating that it had been deleted from my profile with them. I sent that letter to TransUnion and again asked that they delete it since this second data furnisher is not stating that they are no longer providing that information to any Credit Report Agency. TransUnion then replied that it was being reported to them by a Bankruptcy Court in my state that does not hanlde bankrupcty 's in my county. I then submited a complaint to CFPB and they asked for more time to investigate. TOday XX/XX/21, I recieved a letter from TransUnion that only said that item has been updated, but did not state what was updated, or who they received information from to update the profile. 

I am now under the impression that TransUnion makes it harder for people of XXXX to get inaccurate items deleted from their credit report than they do XXXX people. I followed the same steps as my XXXX counterpart, and she was able to get the same thing delted within months, I have been trying now for over a year, and race is the only thing that seperates why mine is still on my credit profile and hers has been deleted. TransUnions and other agencies use E-Oscar and other automated systems to send out letters without actually doing the work. I could see if on the first request it was an automated response, but after the third or fourth an acutal human being needs to look into this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. I'm trying to qualify for a home and provide for my family and these inaccurate accounts have been detrimental to me because I can't qualify for the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter that stated out of the blue that Capital One was closing my account and I needed to stop using my card which is a secured card that I paid them to get. It doesn't make any sense. I had an issue with the bank I was using for payments where they were not honoring any debits from the accounts and I didn't know this until last week. Capital One instead of talking to me about this ( even though a payment hasn't even been due yet to my secured account ) decided to charge fees and report to the bureaus that I am over my limit and they are the ones who charged fees that took me over it. This is insane. Who does that? It's unethical at best and they should be stopped as soon as humanly possible. I want everyone to know how they do business and it is dirty as can be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am having a problem getting a copy of my Chex Systems Consumer Report, I am entitled to. All of the accounts and credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized accounts and credit inquiries.

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 2021-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received dispute results from Transunion about this bankruptcy stating that it was verified. The problem is that Transunion states that XXXX is their bankruptcy data furnisher because this alleged bankruptcy is shown to be from 2017 and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Transunion genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy! 

Account : US Bankruptcy Reference # : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( XXXX ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased my payment and my rate. 
I already sent all the information requesting a Loan Modification. They are delaying and they have not responded to my request for Loan modification even though I already sent all the information.

They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt.

This time I should be helped since I am the home owner. As the FHA guidelines suggest.

My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX XXXXXXXX XXXX See pictures. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch XXXX XXXX. 
I am attaching the documents that prove the statements I declared : Attachment I. - XX/XX/2021, Sent the paystubs that you required. 
Attachment XXXX. XX/XX/2021. Sent ALL the documentation including application everything included in the email. 
Attachment XXXX. XX/XX/XXXX Official Loan Modification request. 
Attachment IV. Pictures of my XXXX XXXX 
I have not sent anything else after XX/XX/XXXX ; therefore they claimed that I completed until XX/XX/2021 that is not correct. And I still have not received resolution on XX/XX/2021. I am being blocked from getting the low rates. 
Mortgage companies have resources that home owners do not have. I am requesting you a decrease of the rate as it is suppose to help the home owner. The delay is causing that I can not take advantage of the great low mortgages. I need help!!! 
If you would require more information or clarification, my email address : XXXX, please do not hesitate in calling the XXXX ( XXXX ) XXXX XXXX. And if we miss your call please leave us a message. 

Sincerely yours, 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 explanation
Consumer complaint received 2021-11-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX FIN XX/XX/XXXX INDEITITY THEFT AND CHAPTER XXXX WAS FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX INDEITITY THEFT AND XXXX XXXX  WAS FILED

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 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
My mortgage service company started pre-foreclosure procedures even though I am not yet XXXX days behind my payments. I have also filed for a loan modification application before I received the pre-foreclosure letter. When I contacted the service provider they stated that both actions are not related and that I can ignore the pre-foreclosure letter since I have filed a loan modification application which I believe is not correct information. 

The service provider does not provide clear guidance on which articles might be missing and details around the actual missing data as the verbiage used is very generic and confusing. When I call online, every time I get a different person and they tend to be vague in their replies and not sure of what the underwriter is clearly looking for and what I should do next. For example, On one occasion they outlined a payment to a visa card on my bank statement as a transfer to another bank account. As I explained that the this was not a transfer, but a card payment. Finally after back and forth for a couple of days, I had to escalate to a supervisor who stated that it's better to supply the credit card statement to satisfy the underwriter, which I did. On a different occasion, the underwriter will ask for the same document multiple times even though it has been uploaded to their websites which send confirmation of the upload every time it's successful. It usually takes calling multiple times to have the service company acknowledge they got the statement they wanted. I feel sometimes that the delays are on purpose to circumvent the process and cause it to go beyond the allocated period. 

Most of the time I end up uploading the same documents based on what I receive from them. Extremely exhausting process and faulty at best as you do not have one party that works with you directly to solve any missing application items. Currently, I have been calling every day with very few movements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: DE

Complaint narrative:
I do not owe any XXXX amounts or any fines in XXXX or XXXX. Erase my information from your database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Hello, In XXXX of XXXX, we refinanced our home and had our servicer assigned as Guaranteed Rate. The day we were assigned I reached out about getting and escrow account set up for payment of our taxes/insurance and uploaded copies of our tax/insurance bill to the servicer 's website. I spoke with customer service via chat and via phone and after a month and a half was mailed a letter to open our escrow account. 

I mailed in the initial escrow payment as the letter indicated in XXXX of XXXX and their website showed it was deposited to my account on XX/XX/XXXX. The letter indicated if my initial escrow payment was received prior to XX/XX/XXXX, my updated escrow account and payment would be in effect for my XX/XX/XXXX payment. 

Throughout XXXX, I have reached out to customer service via phone and online chat. I have been told various different responses such as : The website will update soon, I don't see any information about your escrow account, and various different comments that my escrow account would need to be rebalanced even though it already had been at the time of the account being set up. 

As of now, I still show no evidence of my escrow account being set up despite the servicer having my initial deposit and the information on the letter which was mailed to me. Every customer service agent gives different responses and I am not able to even make and additional escrow payment via the website if I wanted to. 

Any assistance would be appreciated. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
So my Paypal account got limited last year for no reason .It has {$750.00} in it. Paypal then emailed me saying that in XXXX days I will able to withdraw my money out of my account. It has been XXXX XXXX since that email! I've tried calling customer support many times and they keep telling me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank filed lawsuit in XXXX XXXX XXXX on XX/XX/2021 without notifying. The balance on the account which was active was subjected to termination due to mis payment & arrangement with third party XXXX XXXX XXXX XXXX. The last payment was done of XX/XX/2021. There is balance to catch up, and surprised with lawsuit as payment arrangement was made with third party due to Discover Bank online payment getting disabled. Had good history keeping up with payments with some reason on missing out payment schedule due to personal & business trips.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/21 : I reviewed my credit report and notice an inquiry that was not recognized or approved by me. 

Im the victim of identity theft and I dont recognize one or more of the accounts on my report from Discover Credit Card. 
I reached out the the copy numerous of times and was told to file a dispute. 
I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28 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: FL

Complaint narrative:
Santander Consumer USA is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all XXXX credit bureaus since XX/XX/XXXX. Santander Consumer USA is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, Santander Consumer USA is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, Santander Consumer USA has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at Santander Consumer USA, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
Santander Consumer USA has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, Santander Consumer USA perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC  is pursuing a debt that is past the statute of limitations. The debt is over 4 years old and is no longer supposed to be pursued. I recently asked a credit score company XXXX to get the debt off of my credit report and it was not accepted by Portfolio Recovery Associates LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX intentionally in reporting incorrect information to the 3 agencies. they are reporting to Equifax that I was a 30 days late in XX/XX/2021 ( incorrect ) and they are reporting me to XXXX and XXXX a late 30 in XX/XX/2021 ( which again is incorrect ) I have reached out many emails to the executives and calls but they have ignored my request and I am not getting in position to bring legal tort action against them for damages. 

Their incorrect information has not only affected my credit score, it has affected my reputation and access to other credit which has causes a serious injury and created a lot of issues because of their negligence my payments are due every month on the XXXX of the month. As you can see from attached confirmation, my payment in XXXX was made on the XXXX of the month ( it could not be 30 days late ) and in XXXX my payment was made on the XXXX, so it is impossible it could be a 30 days late, because on day XXXX, they had full payment in their possession. 

I demand XXXX to immediately issue a correction letter to me so the late 30 's that are in correctly reporting can be moved ASAP.

Company response to consumer: Closed with explanation