vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
i am a member of the Military. I was suddenly XXXX XX/XX/XXXX and did not give me time to call all of my creditors, ... ..Credit Acceptance has reported me late from XX/XX/XXXX until XX/XX/XXXX ... ... I sent them a letter explaining what happened and they did nothing to correct the late payment history reporting ... this is absolute bullshit..i go out to serve our country during a pandemic and this company has the nerve to report all of those late payments and ruin my credit ... .my next step is a complaint to the state attorney general and even to speak to a consumer attorney if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I upgraded my Discover It secured credit card that had a {$500.00} desposit on it but I never received my desposit back. I called on XX/XX/2020 and they said they will mail me a check. I called again on XX/XX/2020 and XX/XX/2020 with the same problem but they kept telling me to wait for it even though they told me initially it would take 7 business days for the check to arrive. Finally, I called again on XX/XX/2020 and they said they would send it directly to my bank account.They said it would take 5 business days and I still havent received it to this day XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-11-30 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: I.C. System, Inc.
State: VA

Complaint narrative:
I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
My wife had been receiving numerous calls from this number in the mornings but would leave a voicemail. She tried to reach back but they would not answer. She finally answered the call this morning. It was a lady claiming to be from Account Resolution Services. She asked my wife about information pertaining to my XXXX year old. She kept insisting on getting my XXXX year old 's birthdate but my wife was trying to see what the call was about before releasing any information. She kept demanding the birthdate and was rude about it and told her that she would notate that my wife was refusing service then hung up. I called the number which is XXXX. A lady answered but I don't know if it was the same lady. I told her they called my wife about it and asked what company she was calling from. She responded " ASR Account Resolution Services. '' I asked why they would be trying to contact my wife about my XXXX year old. She said that they might have an account with them and asked for my wife 's number. I asked what kind of account would a XXXX year old have. There was silence for about 5 seconds then hung up the phone. Very suspicous

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I lost my XXXX  Mastercard Credit Card and as I was checking my account online I saw two charges in my account in the amount of {$390.00} made on XX/XX/XXXX at the XXXX XXXX XXXX, NH also another charge of {$840.00} made on XX/XX/XXXX at the XXXX XXXX in XXXX, NH. I am not even in the USA. I notice the fraudulent charges and I did reported right away to the credit card. These charges are fraudulent and was not made by me. They are refusing to reimburse me for it.

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 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
XX/XX/20 WAS CALLED ASKED TO BE NOT CALLED AGAIN BY RUDE PERSON. XX/XX/20 WAS HARRASED AGAIN BY COMPANY TOLD THEM YOU I WAS NOT TO BE CONTACTED AGAIN THEY REFUSED THAT WAS PLACED ON DO NOT CALL LIST BUT THEY RECORDED BOTH PHONE CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Got a call from XXXX. They said that they were from Chase Auto Loans and they knew my name. They said I should call them back about something with the dealership. I called back and they asked for my reference number. I pulled out my documents and I didn't see one. They said then I could just give them my full social security number. I didn't give it to them, but then I hung up and called chase. They had no record of anyone calling me. The scammers had almost the exact same answering service as chase, except it did not ask if I wanted the call in XXXX and it also had a ringtone. It also didnt ask me for my account number or anything. The scammer 's audio was horrible and she was ferociously typing on the other end. 

Even when I called chase from the number on their website it seemed sketchy though and I don't know what to trust because they were also asking for my full name, phone number, full social, address, and when i tried to get online to create a chase account to pay my bill they said my cell phone number didn't work for a XXXX, even though I was calling them on that number. 

It was weird because they knew my name and that I got an auto loan with chase a little more than 1 week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NY

Complaint narrative:
An address that does not belong to me is reporting to my credit report. Please remove this address from my report as it is fraudulent. I have attached proof of ID and address.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My mortgage was sold to SPS from XXXX ( who I thought previously were the worst ) Since then they have redone my escrow twice in three months- last time in XXXX each time raising my escrow ( my payment has gone up XXXX dollars a month. 

They will be sending me a escrow reimbursement for over {$3000.00} dollars ( I like the fact they get to hold on to my money ) When I attempt to pay down my balance early ( paying extra every month ) they hold on to it to deduct it from my payment the following month. 

They also charge me XXXX to process my payment- everything they can do to make your life a little harder they do and take pride in doing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
An address that does not belong to me is reporting to my credit report. Please remove this address from my report as it is fraudulent. I have attached proof of ID and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NY

Complaint narrative:
An address that does not belong to me is reporting to my credit report. Please remove this address from my report as it is fraudulent. I have attached proof of ID and address.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OneMain Finance Corporation
State: IL

Complaint narrative:
On XX/XX/2020, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: NJ

Complaint narrative:
XXXX  and equifax has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX XXXX send me a email stating that it was verified and the item remains unchanged fr4om there processing of XXXX XXXX dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with XXXX. Its been over 30 days and i have yet to receive a responds from equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: MO

Complaint narrative:
On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, XXXX and Transunion are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: MO

Complaint narrative:
On XX/XX/2020 I had obtained a 3 bureau credit report and notice that Equifax, XXXX  and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I wanted to take advantage of the new lower mortgage rates. I contacted my existing mortgage company, Freedom Mortgage, thinking it would be a more straightforward process since they knew of my payment history, etc. This process started on or about XX/XX/2020. A Loan Advisor gave me a mutually agreed rate/term, and I moved forward with the new loan. 

Numerous calls, many representatives at all levels of ranking in the Freedom Mortgage Corp., 139 emails later, a prior complaint with the CFPB, and I am still fighting the same fight. Mortgage Freedom agreed on many occasions, verbally, in emails, and on legal documents that I signed that they were NOT going to escrow any flood insurance, homeowners insurance, and any other type of account. Plus, there must be many recorded conversations about this as well, since it is their protocol. 

Nevertheless, when I received my first mortgage statement on XX/XX/2020 ( due XX/XX/2020 ) with the new loan account, they included an escrow amount and required it as part of my monthly payment. I will NOT pay any escrow, no need, I DID NOT AGEED TO, and now Mortgage Freedom is holding me accountable for it? This is wrong, shameful, fraud, misinformation, deception, bait and switch, and a scam. I am determined to expose this bad practice to every authority that governs this process and this institution. 

Now, I have been an ideal customer. Never a late payment, never a missed payment. And at this point, it is beyond shameful the ordeal Freedom Mortgage has put me through. The hours I have spent, and my time is valuable is inexcusable. I urge you to stop this immediately. Freedom Mortgage must be held accountable for their malpractice and egregious customer service.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, XXXX, and Experian are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, XXXX is reporting incorrect date of birth.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2017 I put a credit freeze on Experian, XXXX, XXXX and XXXX. I made note of the PIN numbers but did not have a PIN number for Experian. My husband and I are refinancing our mortgage and I was able to temporarily unfreeze on XXXX and XXXX. When I tried to unfreeze on Experian both by phone and online, it did not recognize my information. My only recourse is to request by mail, which will take too long and potentially jeopardize the refinance. I was not able to reach a customer service person to help me resolve this. My complaint is that with time sensitive issues like this, the consumer should not have to wait for a mail request to be processed. These companies, which we have no control over, should have a way for customers to reach an actual person. Is there any way for a consumer to opt out of these reporting agencies? Is there any recourse or penalty for this company for not providing appropriate consumer service? Are we simply at the mercy of these companies?

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion, XXXX, and XXXX are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, XXXX is reporting incorrect date of birth.

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX, Equifax, and XXXX are reporting incorrect personal information on my credit reports. Previous addresses and current address is wrong. Also, Equifax is reporting incorrect date of birth.

Company response to consumer: Closed with explanation