vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XXXX during the height of the pandemic we contacted our mortgage lender Mr.Cooper and explained that we were gon na have trouble paying our mortgage at this time. We were told that we can stop payment for 3 months but will have to pay the total amount at the end of this period. In XXXX a total of XXXX was paid to Mr.Cooper Nation-star Mortgage company. The funds were taken from the account but they failed to apply it to my mortgage. We contacted regarding the missing funds and they stated the payment was never made, but it clearly states and reflects on our bank statement. They requested bank statements for the month of XXXX which we sent, after several transmissions of these documents Mr.Cooper stated they never recieved these documents. This run around continued for months. Mr.Cooper then requested for a certified bank statement which was provided that they took the funds. We are now being told that Mr.Cooper never recieved those funds, but I have bank statements stating they did. I have filed a complaint with the XXXX  XXXX, and have spoke to an attorney about this matter. The mortgage company wants use to repay another XXXX before we can make any more payments. They clearly took the money or should I say stole the money, ..and because of their mistake want us to pay again. I'm beyond upset at their incompetence and need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: IL

Complaint narrative:
I pulled my credit reports and saw an account for XXXX XXXX XXXX for {$130.00}. Im not sure where this debt originated, and would like it removed while in dispute until its both verified and validated.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I checked my credit and saw two accounts from IC Systems for XXXX XXXX XXXX for {$1000.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$250.00} for each, totaling {$500.00} to settle for a deletion.

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 2020-12-22 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:
I have repeatedly submitted a dispute to have a XXXX credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. Experian refuses to remove it even though XXXX and XXXX  have removed this account from my credit report with them. 

I have tried to contact XXXX to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask 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 non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America wont put a stop payment The account was supposed to be frozen

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 2020-12-22 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: GA

Complaint narrative:
Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, Equifax,XX/XX/XXXX and XX/XX/XXXXwhich I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, Equifax, XX/XX/XXXX and XX/XX/XXXX have all failed to remove the unverified information from my respective credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I bought a hot tub over a year ago and when the moving company brought it to me it had two big forklift holes in the bottom of it. So they wouldnt leave the tub because it was damaged. I never received anything from any buddy until a year later I received a bill for XXXX dollars from mattress firm/ synchrony bank for the tub. I never received the tub so Im refusing to pay for something I never received. But by not paying something I dont owe its hurting my credit. Ive written letters and called but I one will give me an answer or drop the debit they say I owe. Dont know what I can do.

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 2020-12-22 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: FL

Complaint narrative:
IT IS NOT A DUPLICATE : I am outraged by how unprofessional Equifax is. Ive been waiting for a response on my dispute I sent over since XX/XX/2020. I also sent in a demand to comply in 30 days letter which I was told no one received. I have factual proof and evidence. It is now XX/XX/2020. I called in on XX/XX/2020 and was told by an Equifax agent that my letter was received on XX/XX/2020 and not XX/XX/2020 she stated and mentioned that the disputes of account inaccuracies will no longer remain on my credit report as of XXXX, XXXX, 2020. I have proof the accounts were removed but remained on my consumer report. That is a dirty game being place. My actual address is XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. All other addresses are to be removed, XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX. I disputed the other addresses which werent removed. I have no knowledge of the other addresses listed in the attachment. Please remove them now. The accounts were removed and placed back on my consumer report. I have the evidence to prove every rat game Equifax tried to do. I have notated and took pictures of every contact with Equifax. Here is the agent name and badge number. XXXX XXXX with Equifax : XXXX. I am now really upset and distress at the fact that this incident is lingering and I have now filed a lawsuit do to the fact of Equifax not responding and playing games. I am XXXX at this point. This was not my first attempt to contact them. Theyve now been past 120 days and they act as if no documents were sent in and I sent in everything. This is my 3rd time sending documents in still no change theyve violated my rights at this point within section 807 in the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Portfolio Recovery, LLC
State: CA

Complaint narrative:
I am not positive of dates but I have submitted multiple disputes specifying the information was inaccurate and that the accounts were opened fraudulently ; but each time my credit score has only been negatively impacted by my pursuits. The results to each dispute continues to come back as accurate. The agency continues to deny my claims repeatedly, claiming that an investigation was completed.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX I opened a " Huntington 25 Checking Account '' with Huntington Bank under a promotion to earn a {$500.00} bonus if you deposit {$15000.00} in funds within 90 days. Full terms below : To qualify for the {$500.00} cash bonus, you are required to open a new, qualifying Huntington 25 Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX and make cumulative new money deposits into the checking account of at least {$15000.00} or more within 60 days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing CDs ). Person to Person payments ( such as XXXX XXXX are not considered a deposit for this offer. XXXX XXXX XXXX To meet the requirements of depositing {$15000.00} in funds in the account I made a transfer of {$2500.00} on XX/XX/XXXX, on XX/XX/XXXX of XXXX, and XX/XX/XXXX on {$5000.00} from my other bank account " XXXX XXXX XXXX XXXX Each of these transactions were coded as " Direct Deposit '' under " type ''. 

After 90 days I reached out to the bank to inquire why I did not receive the bonus and was informed I did not meet the requirements. Huntington made the determination that the transfers from XXXX XXXX Checking Account were not deposits but rather " P2P '' payments and as such were not " new deposits ''. There was no guidance or information that these payments would not be accepted as meeting the bonus requirements, especially since my account showed the deposits coding as " direct deposit '' This appears to be a case of the bank misleading the consumer to believe a bank to bank transfer would count as a " new money deposit '' by coding it as " Direct Deposit '' only to secretly be saying those transfers do not count as they are " p2p '' There is no way for a consumer to be aware of how Huntington Bank codes this type of transfer and it is reasonable that a prudent individual would expect transferring money from an external bank account to Huntington would qualify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I disputed a item for amount of XXXX due to it being the incorrect item as well as it being defective. I went in to the dealership as prompted and sent in all documentation of this incident and was wrongfully denied my claim. I am asking that this dispute thst was not handled in the correct manner by CAPTIAL ONE bank to be looked into ASAP As they are threathning to close my account due to thus matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, XX/XX/XXXX and Transunion, which I have not authorized.

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX and Transunion have all failed to remove the unverified information from my respective credit reports.

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 2020-12-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, Experian and XX/XX/XXXX, which I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX, Experian and XX/XX/XXXXhave all failed to remove the unverified information from my respective credit reports.

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 2020-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have repeatedly submitted a dispute to have a USAA credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. XX/XX/XXXX refuses to remove it even though XX/XX/XXXX and XX/XX/XXXX have removed this account from my credit report with them. 

I have tried to contact USAA to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I became victim to identity theft, my bank account is cleaned out. Starting on XX/XX/2020 I contually kept calling and massaging Santander Consumer to get hardship extension, they would not respond to my messages and online chat said they couldn't help me and I kept getting disconnected on the phone with them to. Finally on XX/XX/2020 I was abled to speak with a lady who transfered me to the right department. 
After explaining what happened and telling them the bank has up till XXXX to credit my money, Santander consumer usa refused to help me. Knowing I was scammed originally from the dealer, probably thing were involved. They said they can't help me, yet they advertise that if your going through hardship they will work with you. I told them it's not my fault someone stole everything from me. They didn't care, and said no. 
I have never been late nor missed a payment and they know I was scammed po sting {$100.00} more a month then I can afford because the dealer lied to me about the amount I would be paying. All I asked for was extension till XXXX. And they made appoint to tell me any thing late will be reported to credit report up to repossession. I'm was in every emotion, someone stole from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested my online credit reports from XXXX, as part of actively working on my credit profile. 

Equifax is the only one of the 3 major CRAs to consistently deny my request each time, ever though I am confident of my correct answers to all the identity verification questions, all of which I have retained for my records and have gone over. 

The most recent Equifax denial message screenshot from XX/XX/XXXX is attached, the previous ones are identical. 

The offer to request by mail is not acceptable, because my recurring requests are time-sensitive and because Equifax has shown with its XX/XX/XXXX data breach and subsequent resolution failures that it can not be trusted with highly sensitive user data, such as copies of the types of documents requested. 

No issues experienced with XX/XX/XXXX or XX/XX/XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: IL

Complaint narrative:
On XX/XX/XXXX, our car was repossessed by Santander Consumer USA because we were unable to make all our payments. On XX/XX/XXXX, we were able to pay all the past due payments and associated fees and we got our car back. However, we just discovered, 3 months later and while trying to get another auto loan, that Santander reported to the credit bureau the repossession and it shows on our credit report as a " charge off '' dated XX/XX/XXXX, but they have not updated our credit report since we made the payments and have been making regular payments. Our credit report now only reflects a repossession and indicates that we never got our car back and that our Santander account is inactive as a " charge off ''. We contacted Santander on XX/XX/XXXX and asked for an explanation but they were unwilling to help. They told us that they are only required to report the repossession to the credit bureau and nothing after that. Our credit report is inaccurate and this has been hurting our credit, mine and my husband 's, for 3 whole months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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:
XX/XX/XXXX ) did not have permissible purpose to access my credit report. The undated attached credit application was not signed by me and was fraudulent. XXXX continues to ignore me and will list this complaint as duplicate. I request Transunion and XX/XX/XXXX to have XXXX send proof of permissible purpose or remove negative listing form my credit report. XX/XX/XXXX does not have proof of permissible purpose. Currently I have almost 4 years of damage.

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