vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account below has incorrect balance. 

1. XXXX XXXX XXXX  Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX/XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.

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 2020-07-23 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: RSI Enterprises, Inc.
State: OK

Complaint narrative:
On Sunday, XX/XX/XXXX ( exhibit A ), a collection agency called RSI enterprises has violated FDCPA/FCRA as well as Federal Criminal Law by unlawfully changing my Address on my XXXX   Credit File to one I have no past or present connection to ( in the state of Virginia where I have never lived ), but is conveniently within driving distance from their office and within the same state / Jurisdiction ( Virginia ). This was certainly done for the purpose of gaining leverage on a Collection by surreptitiously & deceptively filing for & obtaining a judgement against me in their local court on a wrongful collection just before the 2 year statute would have expired and in my absence ( since fraudulent address would ensure that I would never be notified of the court summons ). Their attempt was thwarted as I caught this infraction right away ( by XXXX alert system ) and reported the address change as fraud. XXXX then deleted the fraudulent address change from my file along with the wrongful collection ( Exhibit B ) On XXXX XXXX, XXXX I alerted RSI of the address fraud committed by them and requested they take appropriate action. 

On XX/XX/XXXX they finally replied ( exhibit C ) denying any accountability for the infraction, blaming it on a automatic computer system glitch ( contrary to XXXX informing me otherwise, that a human at RSI Enterprises had to enter this information manually in order for this false address change to take place )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I signed up for a checking account with PNC bank. The account came with Overdraft Protection. It says this is an " opt-in '' service but I was automatically enrolled and did not want this service and I instead had to opt-out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
XXXX  XXXX  XXXX  XXXX  
XXXX
XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX   XXXX
XXXX  XXXX/XXXX  XXXX XXXX  XXXX  XXXX  
not mine 
and address not mine 

XXXX  XXXX  
XXXX XXXX  XXXX XXXX  XXXX  XXXX  
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report. 30 days later to the date, I have not received any responses from the credit bureaus. Under federal law, they have 30 days to complete 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 2020-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report. 30 days later to the date, I have not received any responses from the credit bureaus. Under federal law, they have 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Three things. 

First, alleged debt was never properly validated by affidavit in accord with XXXX  XXXX. A formal request to provide this was sent via Certified Mail XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/2020. 

I am demanding Chrysler / Santander disclose all documents upon which they are relying in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. Section 1681g, which state the consumer is entitled to said records. 

Secondly, the repossession was called off according to XX/XX/2020, correspondence from Chrysler yet was immediately put back on the books on XX/XX/2020, without validating purported debt. When I asked manager # XXXX on the phone today for the contact information of the repossession company, she refused to provide it. 

Thirdly, I have no clue which entity is truly attempting to collect the alleged debt. Demands are from Chrysler Capital and a year end tax statement provided from Chrysler Capital shows their Federal Tax EIN to be XXXX. Yet when one searches the data base for that EIN, it does not exist. In contrast, certified title records from the Florida DMV show a Federal Tax EIN of XXXX-XXXX, which belongs to Santander Bank. This seems very suspicious and fraudulent. Which entity is truly trying to collect on this alleged debt? 

As an aside, the beneficiary has now stepped forward and claimed all accounts with the IRS and nothing is construed as abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
American Express messed a refund up that XXXX XXXX had provided and held nearly {$2000.00} in limbo for over a month as they had difficulties getting it back to me despite disputing the charge with American Express directly. I reported them to CFPB, XXXX, and Attorney General of Idaho 's office. Following my report to the attorney general, American Express reviewed my account and subsequently canceled it. When I called to inquire on my account, no one in their organization would help me and kept referring me to a different office that was closed. I was hung up on multiple times. When I called back and spoke to the executive assistants office I was told that it was canceled due to abuse and going against the values of American Express. This feels retaliatory in nature to reporting them and happened within days of correspondence from the Attorney General. This also happened 5 days after I was charged a {$250.00} annual renewal fee. I inquired to get this credited back to my account so I can pay the balance off and wipe my hands clean of this company. They refused to do credit it back and said that it will show on my next billing cycle as a refund with a XXXX dollar balance on the account and will try to have difficulties getting it back as I no longer trust them to do this accurately. I am disputing this charge but meanwhile they will collect interest and expect me to pay the annual fee on this billing cycle while reporting an inaccuracy to the credit bureaus. I am filing this complaint with the CFPB, XXXX, Attorney General of Idaho, and all three credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
THE 3 CREDIT AGENCIES : TRANSUNION, XXXX  AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL XXXX BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
THE 3 CREDIT AGENCIES : XXXX, XXXX  AND EXPERIAN ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. XXXX DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...

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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX an online transaction was made through our banking institution Wells Fargo via XXXX in the amount of {$230.00}. XX/XX/XXXX XXXX TO XXXX XXXX ON  XX/XX/XXXX REF # XXXX {$230.00}. The product/service was not received. Contacted Wells Fargo and a claim was filed # XXXX. We would like our money back. This was fraudulent act committed ; Wells Fargo should back all transactions on their website and in good faith refund the customer. We were told most likely we would not be getting our funds back. 
Please assist in obtaining our {$230.00} back. 
Thanks.

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 2020-07-23 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: TX

Complaint narrative:
XXXX  XXXX  XXXX  use 
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not mine 
and address not mine 

XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  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 2020-07-23 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: TX

Complaint narrative:
XXXX  XXXX  XXXX  use  
XXXX
XXXX  XXXX  
XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  XXXX/XXXX
XXXX  XXXX  XXXX  XXXX

not  mine 
and address not mine 

XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX  XXXX
XXXX  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 2020-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DriveTime
State: TN

Complaint narrative:
I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE.

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 2020-07-23 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: NV

Complaint narrative:
THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NC

Complaint narrative:
I recently sent letters over 45 days ago to Experian and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
{$1400.00} {$2300.00} {$1600.00} {$1200.00} The sums of money listed above are what LOANCARE ( aka XXXX XXXX ) have requested that I pay for the same account Prior to my mortgage moving to XXXX  XXXX, my mortgage note was $ XXXX@ 5.6 % interest over 30 years After going through my initial loan modification, I was asked to pay {$1400.00} per month ... which I have done and paid on time for the past 18 months In late XXXX or early XX/XX/2020, I received a notice stating that I have to go through another loan modification because my mortgage is far behind In reading the enclosed documents ( see the attached documents ) I discovered that somewhere on their books they have my CURRENT mortgage payment as being {$2300.00} Secondly, I receive another document from the escrow department stating that my new mortgage payment is {$1600.00} per month and a new loan modification document stating that I pay {$1200.00} per month THINGS I JUST DO NOT UNDERSTAND 1. Why am I just now finding out that my CURRENT mortgage payment is {$2300.00} per month after paying {$1400.00} for the past 18 months?? 

2. Why is it that NOBODY has inquired about me paying {$1400.00} per month as opposed to {$2300.00} per month thus averaging a shortfall of {$1000.00} a month?? 

3. Prior to my mortgage being moved to XXXX  XXXX  my mortgage was $ XXXX@5.6 interest over 30 years How is it possible for a loan modification to jump from {$1300.00} per month to {$2300.00} per month FOR THE SAME TERMS?? 

4. I have a second mortgage that went through a loan modification My note was {$510.00} per month@ 7.4 % interest with XXXX My new mortgage servicer has requested that I pay {$400.00} per month@ 4.9 % interest This is a PROPER loan modification The so called LOAN MODIFICATION of my primary mortage with XXXX  XXXX  ... ..MAKES NO SENSE! 

I am requesting a remedy to this NIGHTMARE! The enclosed documents gives an account of my experience with this mortgage lender If this is the way this firm treats their customers and produce ridiculous loans, it is best that they close their doors!

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
I used Guaranteed Rate to obtain a mortgage. The mortgage broker advised I would get a " float down '' so that if the rates dropped before closing I could ( once ) reduce my borrowing cost. He indicated that the rate was 3 % and the mortgage would be sold to XXXX. 

Within a few weeks mortgage rates dropped. I decided to shop around and found a rate through the same bank the loan was being sold to, for the same loan amounts ( down payment, purchase price, loan amount, duration, etc ... ) Guaranteed Rate was arranging for me for my property for a rate of 2.875 %. I was declined the float down by Guaranteed Rate, notwithstanding on two occasions providing written proof of the lower rate offered for the XXXX XXXX  loan. 

In addition, my personal information privacy was violated, including disclosing loan documents as well as my SSN without my consent to other parties. 

I have complained about this on multiple occasions to my mortgage broker, his supervisor and have gotten nowhere. They offered to put me through to Guaranteed Rate customer service. I never got a call, letter or email. Subsequently they provided me the direct email for their customer service. I emailed them advising that I had rate and privacy concerns. It's been about a week with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
XXXX  XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-07-23 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: IL

Complaint narrative:
XXXX  XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation