vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I could not get the service department of the Santander Consumer USA company to validate my correct date of birth, so I could log into their online service, nor would they amend the inaccurate loan reporting to the three consumer credit agencies ; XXXX, XXXX, and XXXX, so I sent a payoff on XX/XX/2019 through my XXXX XXXX brokerage money market account. I have tried to talk to their agents on the phone as they do not have an email address. I am faxing the complaint tonight and mailing a letter stating the payoff was sent for {$32000.00} wired to my Santander Consumer USA, INC account # XXXX. That I want the lien released on the title and sent to me at my address where they mail my monthly bills. 
The payoff was over paid by more than {$1500.00} by my XXXX XXXX agent who not only spelled the name of the lien holder wrong but also intentionally overpaid because he sent the payoff a month after I requested, because he said there was a hold on the account he told me would be liquid funds and available immediately, and then he had no idea his agency wired the funds XX/XX/XXXX. The customer service department at Santander Consumer USA will not acknowledge that the payoff was applied on the date of the wire, XX/XX/2019, nor will they acknowledge they are sending the title to my address on file,XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , Co XXXX. After rudley disconnecting my call three different times they put me on a 20 minute hold for a uspervisor who also hung up the minute I said hello. The agent at did reach and speak with at Santander Consumer USA insisted they would send the title to XXXX XXXX ; not telling to whom or what address.!!! 
No Im trying to reach the XXXX XXXX XXXX named XXXX XXXX, whom had the wire sent from my account at XXXX XXXX to help me resolve this huge mess. 
I have completed a prior payoff and title request with the original loan paperwork which had this address and my fathers address as a mailing address from the auto dealer named XXXX XXXX XXXX XXXX on XXXX in XXXX Colorado. 
Additionally, the agent at Santander Consumer USA refused to send the title to me, as they have never corrected my date of birth nor acknowledged my drivers license, I sent from the dealership input my date of birth incorrectly at point of sale at XXXX XXXX XXXX In XXXX, Colorado. Also, I have been falsely reported to the three credit bureaus for late payments when I have not missed any and I have been forced placed into 3rd party service contracts and auto warranties from both Santander and XXXX XXXX XXXX in XXXX Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. 

After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. 

The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased several pieces of furniture on XX/XX/XXXX, and they were supposed to deliver within six weeks. Some items were delivered on XX/XX/XXXX, but the bed was missing the tools to assemble it. After waiting patiently for weeks, I contacted the store using different means of communication social media, phone and fax and made him aware several issues such as having an incomplete order and receiving a defective item. The company made no effort to address my concerns, so I later filed a complaint with Virginia State Attorney ; unfortunately, XXXX XXXX XXXX was still unfazed by my concerns and even claimed it was not aware of it. I hired a lawyer to contact XXXX XXXX on my behalf ; the lawyer sent a letter to the company on XX/XX/XXXX. I initial received an email about my credit card balance statement totaling {$440.00} and later received a standard letter without concrete solutions. It is worth noting not all the furniture items were delivered. The balance was for the following items : Occasional table set, Queen Sleigh rails, headboard and footboard totaling {$120.00}, {$92.00}, {$110.00} and {$120.00}, respectively. The order is incomplete because XXXX fails to assemble the bed. It has been aware of this on-going issue since XX/XX/XXXX and has never taken any concrete steps to resolve it ; as a result, this issue has forced me to sleep on the floor for almost six months. I acted in good faith and took all the necessary actions to resolve the issue, but the company was unequipped to address that simple problem. It feels emboldened in its decision to poorly address my concerns because there is clearly a power dynamic involved in this particular case.

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 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I have contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off my credit report because the fair credit reporting act states they must supply me with an agreement between i and creditor and they have failed to do so and i do not owe the bill.

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 2019-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello I purchased a used vehicle XX/XX/2013 ... total amount of loan {$15000.00}. Ive already paid {$20000.00}. Still owing {$3500.00}. There seems to have been an error either on Capital one or with XXXX XXXX XXXX. I just recently noticed my loan term of 72 months which is {$8400.00} more than my original loan amount. Capital One is unable to explain this therefore my only option is to report them. 

Respectfully XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Mid XX/XX/2018 Trans Union in one day took 38 points off my score. I have tried several times to find the reason they took off the 38 points and Trans Union has no reason why the large number of points were taken off in one day. I can understand why a small amount of points might shift, but 38 points without any reason is not fair. I have never been late on a payment and my 25 % utilization rate is good. 
Give me back my 38 points!

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 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: UT

Complaint narrative:
I've completely the steps to permanently remove myself from the prepaid and pre-approved credit card offers and other scam mail. NetSpend sent me a pre-paid debit card on XX/XX/19 in violation of the do not mail registry.

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 2019-04-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX Hard Inquires XXXX XXXX XXXX , XXXX XXXX Fraud No action has been taken request removal I did not Authorize Brclysbankde  Hard Inquires XXXX XXXX , XXXX    XXXX XXXX Fraud No action has been taken request removal I did not Authorize XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX Fraud No action has been taken request removal I did not Authorize

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 2019-04-20 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: FL

Complaint narrative:
I disputed a fraud inquiries on my credit file and the status said it was deleted some how the information stay on my credit file and it hasnt been removed after the fact that the dispute saying deleted confirmation numbers are XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
A company by the name of Phoenix Financial Services is trying to re-age a debt of mine, for {$1000.00}, initially under the XXXX XXXX collections. The original date for the account was XX/XX/XXXX. Phoenix Financial Services is reporting that the debt is from XXXX. Attempts to get them to correct it have gone unnoticed. My husband had the same thing happen with a medical debt from a different year, also originally with XXXX XXXX, and they're attempting to re-age that as well. His is from XXXX, in the amount of {$120.00}, which we are aware would still be reflected on his credit, however they're listing the debt as from XXXX like mine on his reports, which would extend it yet another 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had to put a stop payment on american Express because they were putting in their payments automatically when there was no money in the bank. Then when I made a deposit to cover the bills they still were doing it and XXXX was charging me every time they did it so I put a stopped payment on the account and now I lifted it on the phone with the three way with the supervisor, and now American Express is still charging me the stop payment fees when they agreed to pay the bills. 

Could you please have American Express list the stop payment fees as there was money in the bank but they refused to pay it when I called it in to XXXX Bank. I am waiting for XXXX on the neck and can not run to XXXX Bank to lift the stop payment in person so since XXXX   promised to lift the stop payments American Express is still charging me for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20 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: SC

Complaint narrative:
I just received another can letter from your company stating that you already verified the account listed below. Ive already stated that Ive been a victim of identity theft. How can you verify a fraudulent account. Please review my documents and remove these accounts immediately.

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 2019-04-20 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: IL

Complaint narrative:
After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.

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 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
Company used 25 year old negative criminal background info and sent to employer that resulted in not being hired. Info was clearly outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WV

Complaint narrative:
I have all federal loans and since the day I have graduated from XXXX  school in XX/XX/2010 I have been making payments in an income-based repayment plan or a revised repay as you earn plan in order to qualify for PSLF. Every payment that I have made should count towards public service loan forgiveness. I have submitted a count request to determine how many payments I have remaining before I can apply for public service loan forgiveness, however the count has been incorrect each time they have sent me this information. The count is off by many payments. I only switched to fed loan a year ago as servicer. I feel that they are not counting payments made through the previous servicers. I have asked for a manual recount and this has yet to be resolved and my count is still incorrect. This is frustrating and causes great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is showing a hard Inquiry that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/2019 On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF!

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 2019-04-20 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: IL

Complaint narrative:
After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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:
XXXX refuses to remove a fraudulent transaction from my bureau reports. 

I have submitted a police report and FTC affidavit to them. I filed a complaint with the Consumer Affairs Bureau of California ( DCA ). 

To make this more egregious, the loan isn't even legal in California. They were sued by CFPB and in a XXXX XXXX ruling to be illegal. 

I have only been able to speak to one individual at this organization who harassed me about Police detectives. The XXXX XXXX, CA Police department has registered the complaint. I have no say in their putting a detective on a fraud case from 2013 for an illegal loan scheme. My bank refunded payments removed from my account. 

This company states the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.

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 2019-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one 360 Online account virtually disappeared and could not access to withdraw and can not obtain statements. Capital one was very unresponsive to my concern. Said it was a technical issue and could take 20 days to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion is showing a hard Inquires that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/XXXX On XX/XX/XXXX, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date : XX/XX/XXXX On XX/XX/XXXX, I called XXXX XXXX to apply for a SECURED credit card. I spoken with a XXXX XXXX representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. Around XX/XX/XXXX, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO XXXX  XXXX HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THIS INQUIRY FROM XX/XX/XXXX TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY XXXX XXXX

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 2019-04-20 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: IL

Complaint narrative:
On XX/XX/2019 I submitted an online dispute through Transunion regarding late payments being reported for two of my XXXX XXXX Credit Card accounts. I received and email today from Transunion stating that my dispute was complete and both these accounts were deleted from my credit report. I spoke to Transunion regarding the error and they acknowledged the dispute was for late payments and said that the reason why it was deleted was because the Creditor failed to respond. which is not true because I have a letter from XXXX XXXX stating that they will be reporting to all the CRA 's to  remove the history of late payments.

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