vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: CA

Complaint narrative:
I am in the process of Refinancing the Home Loan and the XXXX XXXX said I could call Equifax to get a free Credit Report. 
I called Equifax but the Agent completely disregards my request for the Free Credit Report, she instead wanting to process the Annual Free Credit Report that I am already entitled for every 12 months. And, she further to tell me I have to call my XXXX XXXX to get my report. When I asked to speak to the Supervisor, I didn't get to talk to her right away but have to wait for 25 minutes to talk to the Supervisor, XXXX. 

And the Supervisor, is asking whole bunch of Security Question but you could not tell me how many question you going to ask, everything is system generated, things like my Home Mortgage Loan, Auto Loan, Credit Card, etc ... .. 

Equifax is not making it easy for me to get my Credit Report, Can someone help. 
Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I rented a car from XXXX XXXX rental group ( referred here as " company '' ) ( from the XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ) on XX/XX/XXXX and returned the car on XX/XX/XXXX. The company had a clerical error and did not log in my return into their systems correctly. Their systems showed that I instead returned the car on XX/XX/XXXX. Due to this, they have sent me an unpaid bill due in the amount of {$5500.00}. 

As this was obviously a mistake, I took the notice to the company branch I rented the car from and spoke with the manager. The manager noted that the car had indeed been returned on XX/XX/XXXX, and issued a work order/station adjustment confirming that I returned the car on time. She asked the collections teams to make the necessary changes in their system so the debt can be market invalid. I have emails from the branch manager as proof along with the requested station adjustment. 

The company did not take the necessary actions on their end and instead sent me another letter claiming that I have an unpaid balance. I reached out the collections department at XXXX again on XX/XX/XXXX via email detailing the issue and also attaching the branch manager 's emails and station adjustment requests showing that the debt is invalid. After much back and forth promising that the collections team is looking into the issue, I did not hear back from XXXX collections since XX/XX/XXXX. 

On XX/XX/XXXX I received a call from a debt collector ( Caine and Weiner ) in an attempt to collect this debt that I have been trying to resolve since last year, about 7 months now. I was also place on the " do not rent '' auto rental list blacklisting me from any further auto rentals. I furnished them with the same emails and filed a dispute. It has now been another month and I have yet to hear back regarding any progress being made on my account. I am happy to provide all my proofs and emails showing that the debt is not valid and should be taken off my account. At this point, I have sunk close to 40 business hours trying to resolve this matter and feel I should instead be compensated for the predatory actions from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
Hello, today XX/XX/2021 I found out that LCS Capital, one of my debt collectors, has been contacting my supervisor at my job on a regular basis. I found LCS 's phone number ( the same on they call me with everyday ) inside of my coworker 's phone. I asked my coworker about it and she denied everything about it even though we have the same number in both of our phones ( I have proof ) Now it would be important to note that my Supervisor doesn't have any private debt because she didn't go to college. It is also clear in the debt practices that a debt collector is not supposed to be contacting the people around me. 
.I want them to be penalized for this and I want them to stay out of my professional and personal life because it seems like they have no problem stepping over the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.

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 2021-03-15 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 — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: AK

Complaint narrative:
Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is Navient being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is PHEAA reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Bread Financial Holdings, Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021, I sent a letters to the 3 beaurs and I have yet to receive any information on the investigation. To my understanding it takes about 30 to 45 days. I am very upset this has cause a hardship. I really need help with get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY

Complaint narrative:
My ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to Wells Fargo. After running my credit report in XX/XX/XXXX the remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which Wells Fargo confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.

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 2021-03-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Attached are my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXX being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.

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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have a loan with UWM loan # XXXX. I never received the first payment mortgage coupon so I mailed in the first payment coupon received in the loan documents with a paper check. If I sent in an electronic check from online banking I could not attach the payment coupon, then the payment was never cashed so I called the bank and they could not find the loan with the loan number I had, so I called my account representative who told me she gets a list of everyone that's late on a mortgage, if my payment wasn't received I would be on the list. Again XXXX, sent an online banking checking with same account number as they still showed not record when I called in and my XXXX confirmed, if they didn't have the payment it would be on the list. Then late XXXX I receive a call that a payment is late, it's electronic recording and doesn't mention a loan number. I call again and finally now they can find my loan and said they haven't received payment for XXXX or XXXX. I explain to them the situation and they basically tell me they haven't received either payment, finally XX/XX/XXXX after sending in all the proof the XXXX payment was made they Found it and marked it as received but still late. I did everything correctly and they are giving me a 60 day late because of their problems with the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX XXXX. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XX/XX/XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/XXXX Received call from Kia Finance, rep XXXX XXXX, indicating I was 11 days overdue with payment of {$500.00}. I indicated not only did I not not owe any payments I was ahead of schedule on payments. I indicated to rep that XXXX statement that stated it was printed on XX/XX/XXXX did not arrive until XX/XX/XXXX. I mailed a check on XX/XX/XXXX, followed up on XX/XX/XXXX to verify if received by Kia and indicated to them untimely receipt of mail ( even though it shows it was mailed from California where I am located ). As due date was XX/XX/XXXX again checked to see if check received it was not went onto web site and payment made with confirmation number received for effective payment on XX/XX/XXXX due date. On XX/XX/XXXX an additional payment was received by Kia Finance as check dated XX/XX/XXXX was cashed, confirmed this with XXXX XXXX and XXXX. I received a statement from Kia on XX/XX/XXXX spoke to XXXX XXXX and XXXX requesting a new statement be sent as the statement dated XX/XX/XXXX only indicated one payment on XX/XX/XXXX - I confirmed on that phone call that Kia Finance had cashed check on XX/XX/XXXX and that money was received I asked for an updated statement with correct amount and was advised by rep that it would be generated in 3-5 business days. On XX/XX/XXXX additional payment sent for {$500.00} which was cashed at our bank on XX/XX/XXXX. To this date I have not received any confirmations from Kia Finance in writing that they have received. Speaking with XXXX I was told amounts were listed in suspended payments category?? and that I WOULD NEED TO TALK TO CUSTOMER ASSISTANCE TEAM. Since this was listed in my account why should I have to make any calls plus they had payments. Needless to say aggravating. I have called numerous times to KIA Finance today attempting to reach this team and have been placed on endless holds, 52 minutes, 26 minute, 35 minutes, 24 minutes, spoke with numerous!! representatives today with being sent to a different individual each time. I too have matters that I need to take care of and can not spend this endless amount of my day trying to correct a situation that isn't even my fault and THERE IS NO DEBT OWED.

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 2021-03-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is still reporting an account wrong on my credit report after I have disputed it multiple times. The account for child support with the AL Dept of Human Resources is wrong on my report. There are several things wrong. The payment history is incomplete and inaccurate. The date of 1st delinquency is inaccurate. The last payment date and the last active date are both inaccurate. ALSO, there is no comment showing that the account was ever in dispute. This is a violation. I disputed the account several times and it is not showing this.

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 2021-03-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXXt being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid the debt off. I never received any calls, letters, or notices about this debt and that violates my 30 day right to dispute. I have paid and would like these collections off of my credit especially since i was not notified about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
Sold me a vehicle that does not run. Refused to repair vehicle under warranty. Repeated calls to family members regarding the debt I owe. Refusal to tell me where my vehicle was located while being repaired. Contact more than 2x every 24 hours including to third parties and via Social Media. Threatening to take my property before the grace period of the loan expired. Constantly changing their phone number do that I have no idea who is calling me constantly. Refusal to accept a partial payment and bring account current within 30 days of missing one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
AmCap Mortgage decided to raise my mortgage payment, even though I have not had any shortages in my escrow account. I do not agree with their calculations. When I contacted them to ask my options, I was told to send a letter to close my escrow account, of which I did. I received a response back that I can not close my escrow, so why would this be suggested if this wasn't an option? I have been awaiting a return call from a Supervisor for 4 weeks. Still waiting, no one has a clue, the person who I need to speak to never answer or returns my call, this is ridiculous. This Company is a joke, they increase my mortgage during a pandemic, it has already been difficult to make payments at my original amount. To increase my mortgage just because they say so without any form of dispute or resolution options should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I was contacted by a XXXX XXXX at XXXX who claimed that I had a credit card with XXXXXXXX XXXX in XXXX that had a balance of {$470.00} but has accrued over {$1000.00} in interest. I have never even heard of this account. This man had my personal information and would not accept the fact that this debt has never been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.

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 2021-03-15 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Per my previous complaint with Chrysler Capital, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I deposit a check they wouldn't let my check be deposited in timely manner I would like this issue to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
from XX/XX/2020 to now, a bankruptcy was removed and returned, removed and returned, removed and returned to my Equifax report

Company response to consumer: Closed with explanation