vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: CA

Complaint narrative:
XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX 2., EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
We went into the sales process and North Carolina State Employees Credit Union suggested we go into forbearance. We were approved and three months went by in good standing. We were then counted as late when we were told we were still being eligible under forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
In reference to Selene Finance .... 

I have contacted Selene with the problem at hand. First of all. 

I received 3 different letters from them regarding my escrow acct. They say that we have a shortage. The first letter dated XX/XX/XXXX saying we owe {$530.00}. Then I received the second letter dated XX/XX/XXXX saying we owe {$440.00}. Of course these 2 letters say that they have automatically divided the shortage by 12 and included in my monthly payments. This has increased my payment to {$60.00} more a month. I then received another letter dated XX/XX/XXXX saying we owe {$280.00} and that it had to be in by XX/XX/XXXX. So I wrote the check and mailed it on XX/XX/XXXX. It was received by them and cashed on XX/XX/XXXX. 

I called them in the beginning of XXXX to pay my monthly payment, I was told that they would not accept my payment because it was not the full amount, the escrow was added on. I explained to her that I already paid the shortage, she read all three letters that was sent to me, and that she still insists that I did not pay the correct amount. So for the next 3 weeks I have been trying to pay and kept getting the run around. She states that she was going to transfer me to her supervisor. I left a message and have not heard back from them since. I have called at least 6 times with no solution at all. I wanted the number to the escrow dept and was told that they do not have a number.?? What kind of XXXX is that? Big company that has no phone??? Seriously. I am not a happy person right now. They better not try to report my acct to the credit bureau 's either, because none of this is my fault. I was reading the reviews for this company and I agree with a fair amount of complaints on the XXXX site that this company needs to be investigated. 

I have been diagnosed with XXXX XXXX, and do not have the energy to fight with this company. We are living on one income and they have not in anyway tried to help us at all. They say that we have to wait 2 years until we can apply for a loan modification and there is nothing that they can do to help us. But, SOMETHING HAS TO BE DONE. It is not only my mortgage, but alot of other people are being greatly affected by them. 

PS. We did not chose Selene to be our mortgage company, we were with XXXX who then sold our acct to them. Before that we were with XXXX, XXXX and XXXX who embezzled our escrow money along with alot of other customers, and were investigated by the FBI. And we never got our money back from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management has delivered a summons to me containing information that they are attempting a collect a debt from me. Oddly Midland has sent another person 's personal information to me. Midland sent my personal information the other person. Because Midland has initiated a court collection against this other person, unknown to me, this is very serious as it involves them sending personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent TransUnion 2 certified letters requesting them to look into a couple items I wanted to dispute on my credit report. They received my letter and I have never received an update or any information on what is going on with it. The other 2 reporting agencies closed the disputes out because I was able to prove it wasnt mine! And now the company Im disputing through TransUnion just hit up my credit report again!! I sent the certified mail documents to TransUnion XX/XX/XXXX and they are still allowing the company I am disputing to make a hit on my credit report?! Thank XXXX XXXX and XXXX was on it. I mailed my disputes to all 3 companies the same day and the other 2 companies took care of it immediately. Why should I have to wait forever for TransUnion to get their XXXX together and fix it?!?! No one ever answers the phone either! I have a call log of all the times Ive tried! And I have proof of the certified mail receipt!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I have contacted WAY2GO customer service line for 2 weeks now, I asked for them to replace my Unemployment Debit card and they sent a replacement Child Support card, Now for the past 3 days I have called several times each day. Today I was waiting for over 4 and half hours to speak to someone and yet still got no one. I finally hung up with frustration. I have close to 2,000 dollars on my unemployment card and I can't even access it!!! This is ridiculous! I have tried contacted other companies and its a dead end! I just want my card replaced!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Veripro Solutions Inc.
State: OH

Complaint narrative:
In XXXX we got a second mortgage with XXXX  XXXX XXXX. We got behind in XXXX and it was sold to XXXX they applied interest to the loan and it became XXXX. In all it was put into Veripro Solutions they now say that we owe XXXX. At this time we have offered to pay XXXX to settle and also XXXX they wont agree. I received a letter stating that if we don't pay in 60 days they will place interest on this loan and we will owe XXXX on the loan .. We just want to settle with them but they keep putting more interest and wanting us to pay more to settle .. I have all documentations of the events.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: OK

Complaint narrative:
So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through Fedloans. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay Fedloans {$39.00}. I didnt even have access to my Fedloans account till my credit score dropped {$200.00} points and I XXXX  Fedloans and had to recover my account. If I knew they were just filing with Fedloans, I would have done it my self and used the money I was paying them to pay my student loans. I called fedloans and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander quoted me a payoff. They over estimated the amount. I received my title but then I received a debit card in the mail with the {$12.00} credit that was overpaid. The debt card comes with the agreement that there is a $ 3 monthly fee. In order to call them to ask a questions regarding this account, you are printed to activate or hang up. If you activate then you are bound by the new debt agreement and I dont want to be. Also, they list a phone number for the consumer protection bureau of ( XXXX ) XXXX but that is a non working number. I would just want a check sent in the mail and not a debit card. If the debit card was able to have cash taken out of an atm then it would be fine but it says you can only make a purchase with that. Its not my problem that I over paid. I paid the proper amount and now they limit the amount of options I have to reclaim the money they owe me? Thats not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NJ

Complaint narrative:
Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX in regards to the late fees associated with my account. I was told to reach out to the credit bureau to remove those late payments from my credit report. It clearly states on the website of my Victoria secret card that I can call them regarding issues with financial issues during this pandemic. 

Then I called the number and spoke to XXXX and was referred to contact the Credit Bureau. This was odd to me because in the past I was taken care of by my creditor directly. 

I have Late payment fees and negative credit reporting statuses for XX/XX/17, XX/XX/17, and XX/XX/17. This was all associated with my loss of income due to COVID 19. I would like those payment statuses removed from my credit report because it is negatively ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Alorica Inc.
State: TX

Complaint narrative:
I have a signed legal deferment document from SST/XXXX   for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' SST/XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX 's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX  's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now  also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, XXXX  ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
SST/XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " SST/XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
GM Financial promotes paperless billing and provides an online and mobile app for customers to access payment information. 
GM Financial online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from GM Financial. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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