vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, I contacted Banco Popular by phone and email for the payoff amount of my vehicle loan and the following day received the balance valid until XX/XX/XXXX. On XX/XX/XXXX, the full payment was submitted through their website and I informed the bank 's auto department about the final payment. Payment was confirmed and termination was in process. 

On XX/XX/XXXX, AutoPay submitted another monthly payment. I called customer service to have them cancel the AutoPay and requested a refund of the extra payment made by their system as their website does not allow customers to cancel such service. 

On XX/XX/XXXX, I went to the Popular Auto XXXX XXXX branch to collect my vehicle registration renewal that I had to pay even though they have not provided me the title of the vehicle. During my visit, I reiterated about getting a refund for the extra monthly payment taken from my bank account. 

As of XX/XX/XXXX, I have not received the title of my vehicle neither the refund of the payment. The refund should not be taking over 2 months to receive. In 2021, I still receive letters from Popular Auto requesting my insurance policy even though the vehicle loan has been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NE

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts showing on my credit file. It has been 2 months and I still haven't received results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2021-01-11 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I had a collection account with PayPal/Synchrony Bank. I did not receive any communication and it went unpaid for about a year. I went through my credit report and saw it was listed recently. I contact Synchrony Bank to resolve the debt. They agreed to a settlement on the account for half the amount owed. I asked for a letter confirming payment of the settlement would satisfy the debt. I was first told they did not have a letter for a settlement. I called back and another representative agreed to send me the letter. I then paid the settlement offer and requested either a receipt or a letter showing it was paid after completing the transaction. They then proceeded to tell me first that they don't provide anything showing it is paid. I pushed the issue and they said they can provide one but not until 21 days later because their system does not show it is paid. I inquired why it would not show paid when they took the money from my bank account right away and no one will answer what the issue is. They just keep telling me it is under review. I've asked multiple times to speak to a manager and first was told there was not one. Then was told they would put in a request and it takes 48-72 hours for a call back. Then when I called back because no one called, they said they would put in another request but still can not provide even a receipt showing the money was paid.

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 2021-01-11 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX-XXXX  XXXX  XXXX  - closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Balance updated XX/XX/2019 Unknown payment history Account Info Hover over labels for more details Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to CFB complaint # XXXX-XXXX. Equifax responded that my identification did not match there records, However Equifax did confirm my information when I made a Complaint to the XXXX XXXX XXXX on XX/XX/2020 case # XXXX ( see Attached document from XXXX ). In the response to my complaint they reviewed my file and would respond no later than 10 days. Todays date is XX/XX/2020 and I have not received a written response yet. I would like to provide a copy of my Texas Drivers License as to provide the information needed to take the inaccurate and false data on my credit report. In my complaint on XX/XX/2020 I provided documents showing proof that account numbers don't match on any correspondence from the Department of Education/XXXX/XXXX, However the did not investigate a inaccurate and false data on my credit report was because Equifax could not locate my file with the information provided. Please forward my Texas Drivers License ( see attachment ) to provide proof of identification to investigate that they a currently violating FCRA by reporting The Department of Education/XXXX XXXX as being closed on my credit report. the account numbers don't match on 2 different Equifax credit reports ( see attached documents. I provide documentation were the Dept of Education Offset Unit has a different account numbers. The are 6 different numbers however none of the account numbers match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I applied for an FHA streamline refinance with my current Mortgagor, PennyMac, in XX/XX/2020. I was assigned XXXX XXXX as my loan XXXX working with my loan officer XXXX XXXX. 

XX/XX/2020, I received notification that my credit had been reviewed and my mortgage application was conditionally approved and was informed my loan would likely close the second week of XXXX. 

On XX/XX/2020, I received notification indicating there are liens on my property which the m.a.c. team will discuss with me the options for the liens to be paid off or subordinated. I later spoke to my loan specialist and confirmed that I would like to subordinate both liens. 

By XX/XX/2020 I had not received an update so I follow up with my loan officer who asked if I had requested the subordination agreement for the two liens. I informed her it was my understanding that PennyMac requests the subordination agreements, however, I was happy to reach out to those companies which I did and was told that PennyMac had not initiated a subordination request. That same day I provided the loan specialist, via email, with the information necessary to request the subordination agreements. The loan specialist also indicated there was a judgement showing on my title for a company that I had no previous relationship with. I informed her of this and also contacted that company which stated they did not have any record of a judgement in my name. 

The following day, XX/XX/XXXX, my loan XXXX called me stating we had a " clear to close ''. I asked her what came of the subordination agreements and the proposed judgements and she backed peddled saying she need to research and to disregard her phone call. She later confirmed that the judgement was an error but that they still needed to obtain the subordination agreement before getting a " clear to close ''. 

On XX/XX/XXXX, I received a notification indicating they needed a signed W-9 for the subordination which I provided. 

On XX/XX/XXXX, I received another notification indicating they needed an " ink signed borrower 's authorization '' and a copy of the note for my home equity line which was to be subordinated. I provided both. 

Although I have provided all documentation requested of me, on XX/XX/2020, I received a credit decision of declined with the reason stated as " credit application incomplete '' with no other explanation. I have emailed and left voicemails for my loan specialist and loan officer requesting a explanation of why my mortgage application was denied and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NE

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of any investigation.

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 2021-01-11 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: NY

Complaint narrative:
There are inquiries showing on my credit report that were not authorized nor initiated by 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 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
When I first filed a complaint with Ally Financial a few months ago, I was told that there is a program for people who are 45 days past due. I do not qualify for an extension. The woman who represents Ally is rude and disrespectful and was almost making fun of me for having a hard time with income loss. She did manage to tell me about a program I could qualify for when I am 45 days past due ( in between being condescending about asking for an extension ). She did say that if I got another extension, I would never get the car paid off, which is none of her business. 
I have called Ally three tines today and been cut off twice and am now on hold ( again ) for 45 minutes trying to get help. I HAVE NOW BEEN HUNG UP ON FOR THE FOURTH TIME TODAY! this is absolutely a nightmare and UNACCEPTABLE. I AM NOW CALLING IN FOR THE FIFTH TIME TODAY. I got a threatening letter from Ally but have no way to talk to someone from Ally because I am hung up on every time I call in. I hope the CFPB takes this seriously as the woman who handles these complaints only wants to make fun of people who can't pay and be condescending

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Brokers Inc.
State: MS

Complaint narrative:
THIS IS MY 2ND ATTEMPT TO CONTACT ACCOUNT BROKERS DEALING WITH THESE ALLEGED DEBTS OF ( {$2300.00}, AND XXXX ), THAT I DO NOT OWE.I SENT THE FIRST LETTERS OFF ON XX/XX/2020 AND THEY DIDN'T RESPOND, AND I RECENTLY SENT THE LAST LETTERS OFF ON XX/XX/2020, WITH NO RESPONSE TO THOSE EITHER.IT IS A VIOLATION OF THE CREDIT LAWS BY NOT RESPONDING WITHIN 30 DAYS AND THIS IS DAMAGING MY CREDIT WITH THESE INACCURATE ACCOUNTS.I HAVE ATTACH COPIES BELOW FOR YOU TO SEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XXXX in XXXX. I have been consistently making my Trustee payments. XXXX XXXX XXXX HELOC was included in this bankruptcy. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will no longer service my loan. The new servicer will be Specialized Loan Servicing, LLC. I never received any information from Specialized Loan Servicing regarding my account, monthly payment amount, and how to submit payments. I attempted to set up an online account with Specialized Loan Servicing ( SLS ) and was prevented from doing so. I called SLS and spoke to XXXX and he told me to pay {$830.00}. I called my attorneys office ( XXXX XXXX and spoke to his legal assistant XXXX to inform her that XXXX has not provided me with any account number nor any written documentation regarding my loan. My attorney contacted XXXX  and XXXX  wanted me to pay {$4000.00} to start a payment plan. I told my attorney that I only have {$3000.00}. I sent a personal check to XXXX for {$3000.00} and XXXX sent the check back to me. Around this time I noticed XXXX charged off approximately {$80000.00} onto my credit report. Again, I contacted XXXX at my attorneys office to let her know XXXX  did not accept my XXXX payment and has now put the full balance owed on my credit report. XXXX told me she will contact XXXX. I told XXXX that I will not make any payments unless XXXX pulls the loan back from my credit report and provide access to a monthly statement. On XX/XX/XXXX I received a formal Creditors Certification Of Default from SSLs attorney XXXX XXXX XXXX, XXXX, XXXX, Fl and sent to the US Bankruptcy Court Chapter XXXX, Case No. XXXX. XXXX is proceeding to foreclose on my property without even giving me a chance to pay. XXXX  also never introduced themselves to me by lette, nor did XXXX provide a payment plan as they should have since this is an active Chapter XXXX bankruptcy. XXXX  was also making it difficult to make payments because they only wanted me to use Money Orders or Certified Cashier Check.

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 2021-01-11 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: TX

Complaint narrative:
Last XX/XX/2020 I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.

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 2021-01-11 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:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I was alerted by a credit monitoring service that there were 3 late payments on my account from NelNet. I had never heard of NelNet and contacted the company as soon as possible, which was XX/XX/XXXX due to their office hours. 

After contacting NelNet is appears that a student loan I had thought was paid off was transferred to them in XXXX from my prior loan servicer ( XX/XX/XXXX XXXX XXXX XXXX ). I had never received any communication about the transfer. Shortly after the transfer I enteredXX/XX/XXXXand any amount outstanding was put into automatic deferral. I never received any contact from NelNet about the payments resuming as they had an address on file that had not been updated since XXXX. 

During my conversation with XXXX I explained that I could either make the account current and make payments, or pay the entire amount if either would result in the removal of the credit reporting action. XXXX said that I could not ask for this as I had not acted in " good faith. '' I then asked about the CARES Act, and asked why the XXXXXX/XX/XXXX were not in forbearance. XXXX informed me that although they were XXXXXX/XX/XXXX, because they were issued before XXXX they were private loans. I have not been, and can not locate and law regulation demonstrating that change. 

I was then transferred to XXXX 's supervisor XXXX, who informed me that by federal law NetNel can not remove the credit reporting. I asked him where to find the law to which he directed me to studentaid.gov and then NelNet 's website 's FAQ section. I had XXXX stay on the line to direct me to which he couldn't. I then asked if there was somebody that could provide either the law or additional help to which he provided me a " customer solutions '' e-mail address. After giving me the e-mail he warned me that any attempt to dispute the late payments would further " ding my credit. '' I have not received a response from NelNet 's " customer solutions '' e-mail address. 

I have never missed a payment in my life and have the funds and willingness to pay the amounts in full. The credit report of a late payment has caused my credit score to drop significantly at a time I am having a child and searching for a home to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I was able to access XX/XX/XXXX, and XX/XX/XXXXcredit companies for my credit report. But Transunion said I did not answer the proper security questions and denied me my report. This is not the first time Transunion has denied me access to my credit information. Also when I log in to there website I gain access and it states I do not have a active credit freeze, but my report does. I call to talk to an agent and they confirm I have a credit freeze, then they try to sell me there protection services. I firmly believe Transunion is intentionally making it harder for consumers to access their credit report intentionally so you have to call in and they can pitch their sales products. The issue I mentioned with the credit freeze has been going on for more than an year, and still exist. If there is a true issue with security questions a consumer should be able to talk to a person and have the right to have security questions checked so there is no further delay to access to ones credit report.

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