vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: TN

Complaint narrative:
I have contacted and notified all companies involved : XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.

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 2021-04-01 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: TN

Complaint narrative:
I have contacted and notified all companies involved : XXXX XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi XXXX ; I never had any relationship with you nor the original creditor Comenity Bank! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items all my credit report it has been well over XXXX days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I would greatly appreciate someones assistance in this matter. I purchased a XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX, TX and it was regrettably financed through Chrysler Capital. I have made several attempts since XXXX of XXXX to make contact with Chrysler Capital in regards to the real balance of {$480.00} that they show on my account with them but yet show a balance of {$680.00} on all of the credit reporting agencies. Neither XXXX of the amounts is correct and hasnt been since at least XX/XX/XXXX when Chrysler Capital cashed a check from XXXX XXXX in the amount of {$460.00}, the documentation regarding this check payment was provided to me by XXXX XXXX and is also attached. I recently disputed the Chrysler Capital account on my credit reports again & again it stated that it was valid. I have also attached message documentation that I sent on their account website. I have contacted them several times via phone and their internal messaging system since XX/XX/XXXX, as you will see on the message information that is attached, its the same message, over & over and when I call they always say that they have opened up a ticket and it could take up to XXXX hours for them to do their research. They had me fax over the documentation for Check # XXXX in the amount of {$460.00} from XXXX XXXX that they received and cashed on XX/XX/XXXX. This amount was never applied/posted to my account, they have confirmed that received my fax documentation from XXXX XXXX on XX/XX/XXXX, I have called at least once a week ever since then to be told every week that I call that the tickets were closed and they opened and submitted another XXXX. Look at the messages that I printed, as you will notice, they never called me much less replied to the message but the status is XXXX. Also, the balance that they show on my account right before my car was totaled out in an accident was {$20000.00} but the balance according to Chrysler Capital and my XXXX XXXX XXXX XXXX shows {$20000.00}. I am not sure why but using either XXXX of those balances, they were paid exactly {$20000.00} and I owe them Nothing, I have attached a spreadsheet to show you these numbers and all of the payments that were made to Chrysler Capital. I also attached my Transaction History from my online account, please take notice that all of my payments beginning in XX/XX/XXXX were on time and never late. I will be sending this documentation to all XXXX credit reporting agencies, I also found a Consumer Complaint agency on XXXX  website along with the option to upload this documentation if I did not agree with the Dispute results. I will be sending this to the XXXX XXXX XXXX as well as contacting an Attorney about this matter, this is just flat out ridiculous and they have gotten away with this for almost XXXX years now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
XX/XX/2021 - A man claiming to be named XXXX XXXX from CRS and Associates in New York is aggressively calling me over and over again, calling my employer, my father, my ex father in law and every other person listed as a relative on my public records. Claiming I wrote a bad electronic check and owe money. Which is not true, false and a complete scam. He is trying to scare me into paying him claiming he will be serving me and suing me, telling me I owe money to him for a fraudulent check from years ago. I know it is scam as I do not owe this but I want him to stop harassing my family, employer and friends. This has to stop. I have blocked his number but he keeps calling my business office and landlines which I can't block him on. He calls from XXXX. I have voicemails from him as well that are very aggressive and attacking. Please help. Please stop this man from continuing to so this to me and others. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I was charged by Ashley Furniture in XXXX New Hampshire twice for a single purchase. The charges were 3 months apart. The disputed charge is for {$4100.00} and occurred in XXXX of 2021. I filed a dispute with Synchrony XXXX of 2021 when I noticed the charge on my statement. I also spoke with the store manager XXXX XXXX XXXX the same day who instantly noticed the error. She told me that she issued a refund for the charge and that I was still owed another {$200.00} refund for their terrible service of the initial purchase. The refunds were never issued. My credit score fell XXXX points due to the amount of new debt being reported. 
I then filed a dispute with the bureaus to have the charge removed. XXXX then removed the entire account from my credit profile which caused my score to fall another XXXX points. Repeated calls to Synchrony result in nothing. They refuse to allow people to speak to their dispute team. 
To make matters worse, I received an email from Synchrony that said I had a new digital letter from them. The link to open it leads to nowhere. Synchrony can not say what the letter is on the phone as they claim to not have access to it. So I log into my account to see if I can find it there. I instantly get an error message saying my account can not be accessed online and to call their customer service, who literally can tell me nothing about that situation 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 monetary relief
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
On my experian Credit Report there is a fraudulent account reporting from XXXX XXXX XXXX XXXX XXXX partial account # XXXX ) I have never done business with or held and XXXX XXXX cars in my name. When this account was established in the XXXX XXXX XXXX XXXX XXXXXXXX I was a full-time resident in XXXX XXXX XXXX MO ... XXXX I have been going back in forth with both and experian and XXXX XXXXor years now .... The have never supplied me with any verifying information on this account or anything.

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 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX IL ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
WELLS FARGO DEALER SVC XXXX XX/XX/2014 {$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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Law were violated by equifax, XXXX and XXXX. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is not fair.

on date 4/1/2020 letter were forwarded to XXXX  equifax and XXXX  stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater.

With that each violation is $ 1000.and i demand my compensation law for each and every violation made by transunion, equifax and experian and i also demand a deletion .of accounts and judgments15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: OR

Complaint narrative:
I don't know who it is that governs Experian but I am trying to find out. I have been diligently monitoring my credit for the last XXXX  years. I've never missed a single payment and have exceptional payment history on all my accounts. Never the less I can not get my score to go above XXXX or out of " fair '' into " good ''. Now for the last XXXX  years I had a debt that went into collections show up on my report. I wasn't mine. I disputed it twice but got nowhere. So I assumed that having something in collections on my report was keeping me from a better score so I just paid the dang thing to get it off my report. The same day it showed up as paid on my Experian report my score then DROPPED XXXX points. I couldn't XXXX believe it. How is it possible that a guy with exceptional payment history and XXXX debt in collections to have a better score then the same guy without a debt in collections. Experian plays with my score like a yo yo. Because they give me such a low score and won't raise it I am only able to get a couple credit cards with {$500.00} or less limits. Altogether I have XXXX cards with a combined total credit limit of {$1300.00}. That is less then I make a week but if I were to max them all out my score would drop a XXXX points. Less then I make a week and even though I pay them all off every payday. We have given Experian to much control over people lives since what they report does in fact effect peoples lives. When you try and ask them these questions about your score they pass the buck telling you to seek a credit advisor. The problem is a credit advisor isn't the one who dropped my score after paying off a bad debt Experian is ..., I would also be interested in knowing why it is that if charge {$480.00} on my credit card which is called significant increase to XXXX XXXX  usage it shows up almost the same day and drops my score but takes weeks to show them being 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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Nationstar, now Mr. Cooper, told me to go into foreclosure when I was unable to make payments on my mortgage in XXXX. The loan was in default for a number of months. I believe it was XXXX or XXXX when the default began. Nationstar took many months and many lengthy phone calls and lots of back and forth via email and so much paperwork before the company finally modified my mortgage, which went into effect XX/XX/XXXX. From that time through the end of XXXX, payments were made timely. I sold the property and satisfied the mortgage loan and additional loanich at the end of XX/XX/XXXX. Today, I am hoping to buy a property, but XXXX shows on my credit report that during those months when the loan was in default that it was in foreclosure. It was my understanding that the loan did not go into foreclosure. On XXXX, in fact, it shows past due, not foreclosure. Beginning with the first month that the loan was past due, the label on XXXX is " foreclosure. '' Nationstar refuses to remove the label of foreclosure, insisting that it went to foreclosure department even though I was in negotiation to modify my mortgage. Mr. Cooper ( Nationstar is keeping me from buying a home, which I very much need to do during this time when prices are rising but mortgage rates remain low and I'm in the last tier of my life at age XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
Hi, I am writing to request the following information to be deleted from my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not consent to these accounts. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I spoke to XXXX XXXX, Mortgage Consultant, New Rez, concerning refinancing my current mortgage with NewRez Mortgage Company. He walked me through what documents he needed and how to get them to him. On XX/XX/XXXX, I received an email from XXXX XXXX, XXXX XXXX, Processing Support/Mortgage Operations/Processing on Behalf of XXXX, XXXX, saying that I had been conditionally approved. XXXX XXXX, on XXXX XXXX, emailed me to say that " ... we have received conditions needed to proceed with your loan. Due to high volume, we are experiencing delays. '' On XXXX XXXX, I received an email from XXXX XXXX, Loan Processor, NewRez, asking for additional documents, i.e., XXXX XXXX 's, homeowner 's insurance declaration page, and my most recent " award letter. '' I responded that I had already provided the XXXX XXXX 's and emailed XXXX a copy of my HOI declaration page. I then said that " ... I retired from XXXX almost 23 years ago and don't remember ever receiving such a ( award ) letter. '' I emailed XXXX again on XX/XX/XXXX asking what was happening. No response. I emailed XXXX again on XX/XX/XXXX - no response. On XX/XX/XXXX, I called XXXX who said she was just about to call me and that everything was in order and that we would probably close within 4 days or so. I called her again on XX/XX/XXXX and left a message asking her to call me. I called again on XX/XX/XXXX and left a message asking her to call me. My interest rate lock of 2.625 % expires XX/XX/XXXX.

Company response to consumer: Closed with explanation