vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DESGN REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account Name : XXXX Account Number : 1934 Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$380.00} Account Name : XXXX Account Number : XXXX Balance : {$2000.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this with the credit bureaus and I am still not seeing any corrections or changes in the way the information on each account is being reported. The items are questionable and I've been asking the credit bureaus and collectors as well to validate the reporting of the accounts because if not, they should delete them as per the FCRA. The credit bureaus are not budging and I don't know what else to do to get these companies to properly investigate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/2020 ; 2. XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2021-10-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Sequoia Financial Services
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae enrolled my two private student loans in a modified repayment plan in XXXX of 2021 without my knowledge or permission. No document was sent to me notifying me of the change, and no documents were posted to the Sallie Mae site other than my statement referring to the new plan. The modified plan switched me to interest only payments vs. principle and interest payments, which if left as-is will cause me to pay an additional year 's worth of additional interest -- thousands of dollars. I didn't realize what was going on until XX/XX/2021 ~three months into the modified plan. I called Sallie Mae to get additional information and the first service representative I spoke with said it looked like I had been enrolled in a deferment plan before the line was suddenly disconnected. The second representative said the same, and told me that she'd ask for research to be done to find out what happened. I asked her to remove me from the modified repayment plan so that I could go back to making principle and interest payments. She said that she put in the request. I hope I'll receive some sort of confirmation letter or email but I suspect I'll be unenrolled from the modified repayment plan in the same undocumented manner I was enrolled. 

I have attached a statement for one of my loans prior to the change, and one after. Both of the loans I have with Sallie Mae are affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 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: NC

Complaint narrative:
I sent a letter to Experian on XXXX XXXX disputing the items on my credit. However, they have not been complying with my dispute request. It's been 30 days and I haven't heard back from them so I sent them a Demand to Comply on XXXX XXXX that told them my initial dispute.

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 2021-10-30 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: Consolidated Information Services Solutions, LLC
State: NC

Complaint narrative:
There is a hard inquiry on my credit report on XX/XX/2021 that is on my credit report but is not me. I have also been receiving phone calls also in regards to loans that I never applied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, i have s chase college student account. On Wednesday XX/XX/XXXX I deposited a check for {$19000.00} that was from the rent relief program to pay my past due rent. I deposited the check via the atm and all seemed fine. The check was also actually paid out by chase and the check was legit. Atm said funds would be available on Friday XX/XX/XXXX which they were based on my online login. I head to a branch to try and withdraw from the atm and i get declined. Tried about 3 times with no luck. Therefore i went to the teller and ask i wanted to withdraw money. I was theh told my account was restricted and to call the XXXX number which i did after a long wait, i was basically told by chase my account will be getting closed based on them thinking there fraud being committed. They never even ask to verify any transactions or anything so what gives? I neees help in getting those funds to pay my renr.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted the company to try to settle. I asked for them to mail me a validation and agreement and the woman on the phone refused to send it by postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: NJ

Complaint narrative:
Pays my rent monthly, never skipped, and have all evidence at hand. Landlord reported in my transunion credit report that I owe and have past due amount. Dispute file, report did not change. Unable to submit evidence on TransUnion dispute platform. Landlord did something 5 to 6 years ago, took me to court and case could not proceed when their lawyer saw my evidence.

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 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have no knowledge of ever doing business with the company.

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 2021-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I trust this email finds you you well As we have mentioned before we have a problem with PayPal, they closed our account for 180 days without any reason We are a retail e-commerce store we are selling online, last week we get noticed that PayPal, limited our account for sending some documents, Like : ID card, Bank statement, Fulfilment infos ( tracking. numbers ) this is not first time we received this verification. but this time after that we have submitted all those documents then we received that our account is closed for 180 days and they dont like to refund over XXXX $ Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Self Financial Inc.
State: LA

Complaint narrative:
I was impacted by a recent natural disaster. Per the XXXX XXXX which came into law during the pandemic, a business is not allowed to report consumers to credit agencies as LATE they are suppose to keep account listed as current and they are also not suppose to charge any late fees. I have reviewed all my credit reports and I have made the business aware that they have reported my account delinquent since I was late because I could not work due the coronavirus. They are not trying to fix the problem and remove all late and late fees from my credit reports and account. 

# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: NV

Complaint narrative:
I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX  days. It has been almost XXXX  days and I'm an in my right to ask for all the items to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I have filed consumer complaints against this company due to its refusal to provide reasonable accommodations in regards to my communication XXXX. These complaints led to my case being referred to the XXXX XXXX for mediation. ( XXXX Complaint XXXX XXXX XXXX v. Caliber Home Loans XXXX XXXX Dept. ) The mediator, XXXX XXXX, has attempted to reach XXXX to begin the process without any success, and given the amount of time that has elapsed with no response, he is considering it a refusal on XXXX 's part. I asked for mediation in an attempt to reach an agreement with Caliber Home Loans, as they continue to repeat the behavior that led to me filing those complaints in the first place. I am concerned about losing my home due to XXXX 's continued refusal to respect my rights under the Americans with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TX

Complaint narrative:
I have on numerous times sent by certified mail requested XXXX and Transunion to validate the XXXX  collection account as I have no knowledge of this account. This account XXXX belong to my XXXXXXXX. All I get back from these XXXX credit bureaus that its " factual and updated ''. Why does this means? Why can they not send proof such as signed contract? Please demand these XXXX bureaus to comply with my numerous requests for validation. I have attached proof of my requests/communications with the bureaus. I am trying to work with them without success. As a consumer, my rights have been violated under the FCRA 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 2021-10-30 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: NV

Complaint narrative:
I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX days. It has been almost XXXX days and I'm an in my right to ask for all the items to be taken off

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 2021-10-30 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: NV

Complaint narrative:
I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX days. It has been almost XXXX days and I'm an in my right to ask for all the items to be taken off

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 2021-10-30 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: NJ

Complaint narrative:
I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: NJ

Complaint narrative:
I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW

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 2021-10-30 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: NJ

Complaint narrative:
I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX  days and I have not heard back about the things I'm disputing and I want those things removed NOW

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 2021-10-30 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: LEXISNEXIS
State: NJ

Complaint narrative:
I recently pulled my credit and noticed a XXXX reporting. When I filed the bankruptcy my lawyer told me the courts don't report. I called the court to verify and they confirmed they do not report bankruptcy information because it is illegal to do so. I want to know how this company is able to report this information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Nelnet, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX took assumed XXXX XXXX loan. I am the cosigner. I have excellent credit. my niece had a late payment. I called First mark when I saw how much my XXXX XXXX plummeted and they said they have documentation that I was notified multiple times by phone. I NEVER received XXXX phone call. I pride myself on hardwork and have earned my excellent XXXX XXXX. If I had knowledge of a late payment I would NEVER jeopardize my XXXX XXXX. I am requesting that this unfair mark be removed from my XXXX XXXX. I have no history of being " delinquent or in collections and I certainly do not want this to start now. I have worked my entire life to maintain an excellent XXXX XXXX and the impact of this will last many years. I am appalled how this company was not interested in anything I had to say. Again, I must reiterate that I never received a phone call regarding this situation despite what they have on record. 
We have had this loan since XXXX. I have never had a XXXX XXXX lowered or been sent to collections/delinquency since the inception of this loan. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Santander Consumer USA received my car loan ( I did not choose them ). No payments missed. Made a final pay off. Received PAID IN FULL receipt as well as the RELEASE OF XXXX. Filed for new title with local courts. Received new title. Own vehicle outright. 

Santander is claiming I owe them more money. Santander sent me receipts PAID IN FULL. 

Santander is XXXX me and now XXXX XXXX of the vehicle. 

They claim the amount owed is {$520.00} They have an error in their system ( otherwise why sign off and send a paid in full receipt ) and are not claiming I owe. Even if I pay, what is to prevent them from saying the same thing again? I already have a receipt. Nothing prevents them from this claim. I advised them to have their legal team contact me and they did not. 

Phone conversations have been recorded per XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021 PayPal has permanently limited our Business account for our company just right after the opening without giving any reason. There is no refunds, no disputes, nor any illegal action, I found this very unfair so our business could not go further. 
I have contacted them so their robotic answer was " We appreciate your interest in PayPal. Unfortunately, our decision to close your account is final. '' Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: IL

Complaint narrative:
I received my credit report and unauthorized use of my name they I have informed Equifax about

Company response to consumer: Closed with explanation