vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: MI

Complaint narrative:
I live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.

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 2020-09-15 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: MI

Complaint narrative:
I live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NY

Complaint narrative:
Equfax has a XXXX account that inst mine. Never in my life have I had a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fair Financial Corp.
State: PA

Complaint narrative:
I used an online service to lease a car month by month call Fair at the beginning of XXXX. The car leased was a XXXX XXXX XXXX. I was paying around XXXX usd every month for the payment of the car. The company Fair charged in advance the monthly fee, so when I returned the car in XXXX of XXXX I already had paid in advance for the next month. Today is XX/XX/XXXX of XXXX and I still dont have the refund of this fee. Ive complained already through their XXXX page but I didnt received any response. This is their page https : //www.facebook.com/fairtheapp/ Then I started to sending emails until finally I received a response that theyll sent the refund but havent sent anything and now they dont event want to reply back ... this is their email of support ... 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
After receiving notification Zwicker & Associates was suing me on behalf of XXXX XXXX for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with Zwicker & Associates office manager on a second call on XX/XX/XXXX at XXXX XXXX CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions Zwicker & Associates failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and Zwicker & Associates won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt Zwicker & Associates sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TX

Complaint narrative:
Santander is trying to collect on repo from XXXX. I settled with superlative adminastration in XX/XX/XXXX. Received 2 phone calls from a media group XXXX called on XXXX and XXXX I emailed documentation to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a loan from XXXX XXXX when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from transunion that XXXX XXXX reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
My husband and I purchased a used RV in XX/XX/XXXX. The amount financed was {$64.00} XXXX @ 8 % interest with monthly payments of {$580.00}. Unthil last year we have paid approxamitely {$90.00} XXXX. This loan should have been cleared long ago as 8 % interest on {$64000.00} is roughly {$7000.00} making the sum of {$69000.00}. The bank Wells Fargo claims we still owe {$22000.00}. They are trying to reposses the RV.

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 2020-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere.

Thanks

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 2020-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a veteran with VA healthcare coverage and I had an emergency ambulance trip to the hospital. The information needed was provided to the company but they either refused to submit the claim/submitted it incorrectly/sent claims to the wrong department and they immediately sent it to collections. The supreme court ruling in XX/XX/2019states that the va has to be given the opportunity to pay it. I had no other insurance but them so there is no excuse for this ambulance company to have done this. I dilute it on experian, and not even a full day they closed it, with NO CHANGES AT ALL. This is highly illegal. This is ruining our ability to have a decent chance at loan opportunity, for covered services because two companies are too lazy to do their jobs. It's my name and social, boom, va health care pulls right up.

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
My bank said XXXX took XXXX then they Went behind my back and slipped XXXX out of my account. I havent used my card for 2 days prior to this happening. This is how I know they are trying to steal from my pending transfer/deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
After receiving notification XXXX XXXX XXXX was suing me on behalf of American Express for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX  CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with XXXX XXXX XXXX office manager on a second call on XX/XX/XXXX at XXXX XXXX  CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions XXXX XXXX XXXX failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and XXXX XXXX XXXX won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks

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 2020-09-15 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: IL

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive had numerous complaints with this company. Last month I paid my normal payment one day before the due date, the total was {$490.00}. 25 days later I was called and told I still owed {$10.00}, this wasnt true my payment and contract states my monthly obligation of {$490.00}, I was forced to pay the {$10.00}, and late fee of {$35.00}. This means this company continues to force me to pay fake fees and adds late fees whenever they see fit. 
On XX/XX/XXXX, my credit report indicated I owe {$13000.00}, I havent been late ; Ive made XXXX payment and XXXX payment and my updated credit report shows I now owe {$14000.00}. This means despite paying {$490.00}, my entire account balance increase {$300.00}. This company continues to do fraudulent stuff and I cant continue to absorb this cost. Please help!

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 2020-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks

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 2020-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
i want to pay the lender off for a vehicle financed at $ XXXXmonth for 72 months at 18 % the total amount owed and quoted XX/XX/2020 is {$7100.00} and valid until XX/XX/2020. However, They are giving me the run-a-round making excuses about the payment method. At this point, with previous experiences with the dealership and the lender i do not trust either one of them and don't believe what they say because i have proven otherwise as far as those so called backend charges that are part of the purchase price and can not be removed ... well i had them removed. i've been waiting for them to be removed from the total amount financed and was told by the dealer that it takes 4 to 5 weeks. its all a scam to extort money from people and make it look legit. i had to borrow on my life savings to get out of this mess. as much as i hate the car, don't like the car and don't want the car and it kills me to have to pay for it. i, d gladly do it so i don't ever have to deal with these crooked thugs in suites they should be in prison not slapped with a class action law suite . clearly it hasn't affected them because i cant get approved for a XXXX card from XXXX but got financed by this crooked lender notorious for doing exactly whats been done to me and thousands of hard working unsuspecting people ... SHAME ON ALL OF THEM. 
PLEASE HELP ME PAY THESE PEOPLE DIRECT OR ADVISE SO IT DOESN'T GET CONVENIENTLY GET LOST IN THE MAIL AND COST MORE THAN QUOTED.. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Call received : XX/XX/XXXX, XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX Dates and Times of Calls/Texts : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Length of Call : N/A What is the number they called/Texted? _Already reported Was the number on the XXXX XXXX XXXX XXXX? Yes If so, when was it placed on the list? XX/XX/XXXX Robocal/Robotext? Yes, ( 3 )  Robotexts WAS THIS CREDIT/BILLING RELATED? YES ( Entitled to an extra {$1000.00} per text/call ) Autodialer? Yes Name of company : MRS ASSOC. aka MRS   BPO  , LLC. 

Is the company representing someone? Yes If yes, Who? XXXX XXXX Website Given? No, website located through research If yes, what is the website? https : //www.mrsbpo.com/index.php Number given on website? YES If yes, what is the number? XXXX Verified? YES Friday XX/XX/XXXX, XXXX Email? NO, RESEARCHED TO FIND ON WEBSITE If so, what is the email? MRSCustomerService@mrsassociates.com Name of Operator/Sales Person/Supervisor : Initially on first/text call, What was said : Please Contact MRS Assoc. regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. This is an attempt to collect a debt and any information will be used for that purpose. MRS is a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NC

Complaint narrative:
I don't see how many hard inquiries on my credit report from Experian is wrong on these hard inquiries XXXX XXXX XXXX XXXX place I have called both of them send mail letters that they did not do it Experian.XXXX when when XXXX how to siad it would be no hard inquiries for to check i keep getting. I no know my credit is the only thing I have now because I don't have a job I did own a XXXX  XXXX  but with this coivd 19 it just took everything I have ever lille thing i have lost XXXX  XXXX  my home my car everything I just need this on my credit report at all i tell need help with this because I don't have a XXXX XXXX  account at allI

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 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: CT

Complaint narrative:
This is my buyers lender they were approved on XX/XX/2020 weve been waiting since XX/XX/2020 for the clear to close I keep being told its happening any day now and nothing Im about to lose the home Im buying and nothing the have already signed the CD with the 3 day waiver signed still not sure what we are waiting for.

Company response to consumer: Closed with explanation