vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
A Santander Consumer Auto Loan for a XXXX XXXX XXXX was paid in full on XX/XX/19. They sent me letters datedXX/XX/19and XX/XX/19 stating as such and one of the letters said they would update their records as such. 
Yet onXX/XX/19 they reported the account as 30 days late. I have talked to them on multiple occasions, so far nothing has been corrected. 
My wife who was also on the loan just pulled her credit report and it is still showing the delinquent report, with the phrases of " NOT-MORE-THAN-TWO-PAYMENTS-PAST-DUE '' and " Date of First Delinquency XX/XX/2019 '' I have copies of their payment ledger, along with their monthly bills showing payments were paid on time and to their amounts. 
This is gross Negligence and Maleficence on their part and we need it corrected ASAP. 

I would strongly urge all to avoid them for any type of loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute letter for account listed on my credit report and inquiries on XX/XX/2020. I have not heard anything from Transunion regarding my dispute and I also sent them a demand to comply letter that they have not responded to regarding unverified information being listed on my credit report that damaging my credit score

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 2020-03-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: WA

Complaint narrative:
In XX/XX/XXXX, I entered into a reverse mortgage with XXXX XXXX XXXX XXXX XXXX ( Loan # XXXX ). Everything went smoothly until I received a 'Notice of Assignment ' ( attached ) from Reverse Mortgage Funding in XX/XX/XXXX. When I received the assignment, I noticed that the balance on my loan had changed dramatically. RMF instructed me to call XXXX because they were working with what had been sent to them prior to the assignment. XXXX gave me such a run-around that I knew something was fishy. I initiated a refinance with XXXX in XX/XX/XXXX that was completed in XXXX. I will be XXXX this XXXX and I refused to allow anyone to cheat me out of my home. Even though this is an added burden on me, I worked too hard to get my home. 

Then, on the XX/XX/XXXX, I received the letter that's also attached from RMF. I have no idea what to do. From the very beginning, I have gotten 'word salad ' from both of these companies.

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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2020 I was billed for {$21.00} and was told that on XX/XX/XXXX I ordered a credit LOCK on my account ... I was in the hospital with XXXX  XXXX and did not authorize any LOCK ... I had called a year ago to order a Credit FREEZE .. which i was told was free ... Plus I was have an extreme issue trying to understand the off shore operator and she apparently was not understanding what I was trying to say to her ... after telling her I was going to contact you she mysteriously understood that I wanted my " membership '' charge reversed and still wanted my credit FREEZE put on their account ... free .... 

she also offered a {$4.00} monthly fee to credit Freeze ... what kind of XXXX  is going on here ...???

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 2020-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I began personally disputing an adverse account for {$170.00} that had been listed on my credit reports that did not belong to me. I received replies from the CRAs that the information was verified accurate although no information was provided to attest this. Instead of disputing through the CRAs again, I disputed directly with the original creditor listed on the reports. I sent the letter to the original creditor on the XXXX day of XXXX. In less than two weeks, I received a response letter requesting additional documentation. 

On XX/XX/XXXX, I mailed additional information to the original creditor and on XX/XX/XXXX I received a reply that states they submitted a request to XXXX, XXXX XXXX, and Experian to remove the trade line. The letter also states " The credit bureaus request that you allow 14 to 30 business days for this request to be deleted from your credit report. '' XXXX XXXX and XXXX   removed the trade line within the 30 business days. Experian has not removed the trade line despite of the original creditors request ; I've also sent the acknowledgement letter I received from the original creditor to Experian and still nothing. 

Experian is continuing to report information that has been recorded as inaccurate. They are in violation of Section 611 ( 5 ) ( A ) as well as Section 617. The original creditors request has been ignored by Experian. This error is affecting the way I am perceived by creditors. The trade line that Experian is continuing to report is not an accurate indicator of my actual credit worthiness.

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 2020-03-15 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: Lendmark Financial Services
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE- I received a response from Lendmark Financial regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to XXXX, Lendmark is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. Lendmark is reporting to XXXX and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

Lendmark is reporting with XXXX that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX and XXXX, Lendmark reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
cfpb id # XXXX I have tried to correct this issue with XXXX. XXXX still incorrectly reports this account as open and late. We had a car loan with Wells Fargo Dealer Services. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by Wells Fargo to XXXX XXXX XXXX XXXX to the satisfaction of Wells Fargo. This debt still remains on our XXXX   credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, XXXX  rejected the dispute. Now two years later, we are trying to have this removed from our credit report and XXXX  website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. XXXX responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on XXXX. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.

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 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
We took out what we believed was conventional second mortgage in our home 15 years ago at an interest rate of 9.375. We realized it was a high interest rate but felt we had no choice as we needed a roof desperately.We have been making payments faithfully for that time. 
We received a notice today that a balloon payment of {$8000.00}. Is coming due! There is nowhere on our paperwork that defines this as being a balloon loan and was not presented as one at the time of signing. 
I would never have agreed to that nor paid such a loan for 15 years.

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 2020-03-15 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: VA

Complaint narrative:
THIS IS NOT A DUPLICATE- I received a response from XXXX XXXX regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to Equifax, XXXX is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. XXXX is reporting to Equifax and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

XXXX is reporting with Equifax that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX  and XXXX, XXXX reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I was a PAY AS YOU member at XXXX XXXX  XXXX  back in 2015. As per sign up when I didnt want to use the facility anymore I could leave with out any repercussions. XXXX  XXXX  XXXX  sent me to a collection Agency MG Credit court. when I seen this on my credit I disputed them. In the dispute I specifically asked for original contract signed with XXXX XXXX  XXXX. They have yet to produce the contract. I continually ask them to remove their company from my credit report. With no such luck. Now I am reporting to consumer Financial protection in attempt to have them prove the debt with original documents or remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Credit Report of XXXX  from USAA Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched USAA Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. USAA OPENS ACCOUNTS I DID NOT AUTHORIZE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
cfpb id # XXXX I have tried to correct this issue with Experian. Experian still incorrectly reports this account as open and late. We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX  XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. Experian responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on Experian. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.

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 2020-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: WI

Complaint narrative:
I have an old balance with XXXX XXXX XXXX in the amount of {$210.00}. A few months ago I received 1 ( one ) letter from Americollect stating that this amount has been placed in collection with them and they subsequently placed the collection on my credit on XX/XX/2019. 

Seeing as how I check my credit repeatedly, I found out that Americollect has now posted this same amount 3 more times for a total of 4 collection listings on my credit resulting in significant drop in my credit. 

According to the Fair Credit Reporting Act, this is an illegal tactic and if I'm not mistaken, I am not should these items be removed from my credit reports, but they are subject to fines and I should receive financial restitution as a result of the damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Someone has opened a paypal credit with a {$1000.00} credit limit in my maiden name and old address ( before new XXXX address same place though ). I recieved a letter from paypal credit the date on the paper is XX/XX/2020. Someone has tried to do this several times and been declined and now have succeeded. It looks to go through synchrony bank, I've been trying to contact them and can not answer all the computerized questions to get to a real person because I didnt open this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15 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: FL

Complaint narrative:
See attatched Credit Report of EQUIFAX from XXXX Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched XXXX Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. XXXX OPENS ACCOUNTS I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: VA

Complaint narrative:
I fell behind on payments back in XXXX/XX/XX/XXXX, and I made the payment needed to keep my car from getting repoed. I called while at work one morning, I took a break, spoke to one of the representatives, she told me the amount needed to keep my car from getting repoed, so I paid it. I went out to my car around lunch time, @ XXXX, and my car was gone. I called the company back, spoke to the same person, and she said she never called the repo company to let them know I made a payment, " it wasn't her job to inform them ''. So I made a payment for no reason, and my car was repoed anyway. She then said I needed to make another larger payment to get my car payments current to get my car back from the repo company. I was already down on my luck, having a hard time paying due to an 80 % reduction in my current pay. So, I had to borrow money from my parents to get my car back. Then the agent told me I had to pay a fee to the repo company to get my car out. This is now 3 different payments, when I had already made the first one to bring everything current prior to my car being towed. I told her I had no more money, and couldn't borrow anymore money. She " worked '' with the tow company, and added the fees to the end of my loan. She said my loan was brought current, and I would have to pay the repo fees at the end of my loan. I've asked for years to get everything in writing broken down, and I finally got it about 6 months ago. After the agent said everything was brought current, she lied again, because Flagship kept charging me late fees, and reporting to the credit bureau that my loan was late/behind on payments. They had the amount I owed completely wrong, have messed up my credit report, I'm having the hardest time getting this fixed, getting my credit rating fixed, and getting the amount due corrected so I can get the title to my car. The loan on my car has been paid-off since XX/XX/XXXX. I've asked to speak with a XXXX XXXX at Flagship to help me correct this situation, I've sent several emails, and I've never had a return email or phone call from XXXX XXXX. The agents keep ignoring everything I say or ask for, refuse to help me correct their error, and refuse to have XXXX XXXX contact me. I was told by a Flagship agent on a phone call, to ask for XXXX XXXX after my loan was paid, so she could help correct the amount due and correct their error because that agent could see where the company had messed up. I've asked for the recorded phone conversations to be reviewed, and asked for a copy for myself, and nothing has happened. I need my credit fixed and I need the title to my car.

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 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation