vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith, Cohen & Rosenberg LLC
State: NC

Complaint narrative:
On XXXX XXXX it was brought to my attention by a family member that I should check my email for a collection notice. XXXX XXXX from Smith, Cohen Rosenberg LLC sent an email stating the following : Balance : {$1500.00} File # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, The above-named creditor has assigned to us your account for immediate collection of the balance in full. 

Please contact this office immediately so that arrangements may be made and any further action, including credit reporting of this debt may be stopped, or send a certified check or money to the address listed below. 

Unless this account or any portion thereof is disputed within 30 days from receipt of this notice, we will assume this debt to be valid. If you dispute this debt or any portion thereof within this 30 day time period we will furnish at your written request, a verification of this debt, or the name and address of the original creditor. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

I informed her that I would look into the matter since I was unaware of the referenced outstanding debt. After looking into the matter I discovered that I had indeed made payment for services rendered, in the form of a check. I notified XXXX of this via email and she responded with the following : Hi XXXX, Please see attached invoice. You did authorize the service on XX/XX/20. Your check # XXXX for {$1200.00} bounced. 

I do realize you and XXXX are not together any more but our client XXXX XXXX still deserves to be paid. 

We take MC or Visa debit. 

Please advise how you want to pay this. 

I then went back to look into my bank statements for any NSF submissions. There were no checks, including # XXXX ever submitted and returned NSF. Additionally, check # XXXX was actually never presented for payment according to my bank history. I informed XXXX of this fact and she subsequently responded with the following : XXXX, According to our client, you had promised them to send ck # XXXX for {$1200.00} but you never did. 

The balance is valid and owed by you and XXXX XXXX. 

We take ACH, MC or Visa debit. 

How would you like to pay? 

I have informed XXXX that the debt did not belong to XXXX XXXX as I had requested the service for a home that I was the sole owner of. I also informed her that the payment was made in the form of a check that I directly handed to the service tech upon completion of the work. 

I have asked that she stop contacting me because I have provided payment in an acceptable form to the company and it is not my problem that they failed to present the check for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc
State: WA

Complaint narrative:
Am making a report because a collection company is trying to make me pay a amount that I don't owe Someone is Using my information And they Said that their gon na have my license suspended I berly started driving so idk how they got my information when I reported my information as someone using my information And keep sending me papers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
They have a problem with their computer website for payments. I went in to make payment and the system showed no payment was due. Showed next payment was due XX/XX/2021 for the {$490.00}, I took a screen shot of this and provide this to them and was told XXXX XXXX would call me back and she never did. This is an on goin problem within the third party site they use and they know this and refuse to fix the problem its nothing but excuses from them. We made the payment for both XXXX and XXXX and XXXX was not even late and they reported that way to all the Credit Companies the wrong information and also confirmed from XXXX XXXX that the payment for XXXX was not late and the the credit companies made a mistake and yet refuses to correct the mistake. We have had nothing but problems with customer service with them and this is not this first time that we have had this issue with the company. I was told the next time it happened to contact them which we did and the still refuse to do the right thing and fix the problem. They don't even have contact information for there website that handles the payment. According to XXXX unknown last refuses to do anything about the problem as well just excuse as to why they can't contact and oh just sign up for auto pay that is not an option as this is not a company we will be staying with not worth the problem of auto pay because they have a big problem with reporting the account current which it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I wrote a letter to CEO of Santander asking for late payments to be removed that occurred during the pandemic. I pleaded with Santander to remove late payments from XXXX and XXXX of XXXX. I would truly like all late payments to be removed from XX/XX/XXXX - XX/XX/XXXX ; however I know that, that's a stretch so I'm only requesting removal for XXXX, XX/XX/XXXX and XX/XX/XXXX. Santander has not mailed nor contacted me by phone to work with me and get these late payments removed. I have had this account for quite sometime now and you would think they would honor this request due to unforeseen circumstances that caused me to be in this situation in the first place. Santander sends me letters all the time asking how they can help me and now as they can see I am on track and this is their way of helping me move forward in my future endeavors to create stability for my family. Attached is the letter that was sent to the CEO pleading for those late payments to be removed. I really hope that Santander would honor this request of a faithful consumer of their company. This complaint is only being filed and desperate need for a response and to please work with me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased a soft cooler on XX/XX/XXXX. I received a tracking number on XX/XX/XXXX. The tracking number said it was delivered on XX/XX/XXXX. That the first sign of a fraud. I contacted the post office. They told me it was shipped to a completely different address. They explained this common fraud tactic. The shipper doesnt respond to me. I contacted Bank of America. They offer fraud protection with this card. Bank of America prematurely closed the case. Denying me. 
I contacted the bank two more time. The agreed that it was their error and that they would reopen the case. Each time they reopen the case they closed it less than 24 hrs later. Zero chance for me to give no info.

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 2021-07-26 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: MD

Complaint narrative:
Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with Ally Financial a consumer credit transaction in which a finance charge was involve. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is suppose to include insurance, but Ally Financial made me purchase insurance separately. Also, I sent Ally Financial a cease & desist and they are still calling and harassing me.

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 2021-07-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/21 I received a conditional approval for my refinance. I provided all requested information on my part timely. I signed a waiver that an appraisal was not needed and then 4 months into the process I was told one was needed. 4 1-2 months into the process my credit report had to be run again since the mortgage company took so long. Mortgage company then said they needed additional information from my husbands employer this was provided timely and then three weeks later after being told via email it was ent to underwriting it was not. Now I am being asked for a certificate of engineering which as far as I k is I do not have. I have spent countless hours in the phone and via emails with Newrez without response from anyone for weeks at a time. I have asked supervisors to call me and they do not. It has been 6 months and my refinance is not closed. This is my current mortgage company I am trying to refinance with. I have excellent credit and have always paid my mortgage on time. If requested I will provide the 80+ emails I have sent and received from Newrez

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX advertises 12 months interest free financing. They Use TDbank to underwrite and make the loans. they demonstrate a payment based on a loan amount. When you apply for the loan they don't ask you how much you need to qualify for and then approve you for a small amount. The creditor then advises they don't offer loan above 5 thousand dollars and increases are not allowed. Its misleading. If they only offer loans up to a certain amount then they should cap it there on the site and advise as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: SC

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT

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 2021-07-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.

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 2021-07-26 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a letter from Transworld Systems Inc. attempting to collect a debt on behalf of XXXX XXXX. The account # listed is XXXX. I do not owe anyone and don't want my credit report affected negatively. I am in the final stage of XXXX XXXX awaiting a XXXX I've been living with my family for years due to illness, this is not my account. Please cease attempting to collect any amounts from me. This is the first I've seen anything from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today, XX/XX/2021 I called the credit card issuing company ; XXXX XXXX XXXX  which is an actual credit card. 

The reason for my call was to request a letter stating that the credit bureaus can delete XXXX XXXX from my credit reports since I had paid off that debt. 

I was told by to request this letter by a person named XXXX in the dispute department at Experian credit bureau and he told me he needed that letter for them to delete the negative account from my credit report since I had paid the balance and no longer owe them any money. 

When I contacted XXXX XXXX the lady told me they do not do letters like that and would not provide that information for me to give to the three major credit bureaus. 

I paid this on XX/XX/XXXX. 2021 and I do have a letter confirming it has been paid and I will upload it now All I want is to be able to have this negative debit deleted from my credit report since I have paid it off and no longer owe anyone so I can get a mortgage to buy a house but the mortgage company wants that off the report to be able to proceed with my first home purchase.

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 2021-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Obtained 1 year interest free loan. The interest free period allegedly expired on XX/XX/XXXX the last day of my billing cycle ( XX/XX/XXXX through XXXX ) and my payment is not due until XX/XX/XXXX. I called Wells Fargo in an effort to remedy the situation, ask for the interest to be removed, and advised that I could pay the remaining balance due on the loan so that I could close out the account. I was advised since the interest free loan cycle allegedly expired on XX/XX/XXXX ( the last day of my billing cycle ) all they could do was offer a reduction in the interest amount by about {$200.00} - whereas the full amount of interested charged was {$890.00}.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Plus Inc
State: CA

Complaint narrative:
They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXXXXXX XXXX XXXX XXXX 2 ) credit Plus 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX 5 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXX - XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) Ameri Save Mortgage Corporation 5 ) XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation