vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
Cascade Capital bought my defaulted loan from XXXX. The Statute of limitations in Florida is 5 years. The loan was sold to Cascade XX/XX/2015. Cascade refuses to take this off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest recovery has placed a collection on my credit report from a payday loan that is fraudulent. This is the second time I have gone through this with Midwest recovery systems. Last year they tried to add false information and dates in order to scam me for the exact same thing. After I complained to the XXXX  they were removed from my credit reports. They have now reported false information again, I never received any bill or itemized description of the debt whatsoever. Nor have I received any calls or emails regarding the collection. They placed this on my credit report with hopes that I would just pay it to avoid the hassle. It is a 100 % scam. It caused my score to drop 65+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX bought my defaulted loan from Santander. The Statute of limitations in Florida is 5 years. The loan was sold to XXXX XX/XX/2015. XXXX refuses to take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
I requested that the debt collector issue a 1099C ( debt forgiveness due to the financial and emotional issues I am dealing with as a result of COVID 19. The company has not even acknowledged my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I traded my XXXX truck that was financed with Chrysler XXXX back in XX/XX/XXXX to a Chrysler dealer and purchased a new truck that was financed with XXXX XXXX the dealership never paid my remaining loan with Chrysler until 4 months later. I spoke to the dealer back in XX/XX/XXXX when i received notice of the payment and they told me they would take care of it and the payoff to the loan would be made.This dealership is located in XXXX XXXX FL ... But this did not take place, now resulting in my credit to be effected majorly ... This truck loan with Chrysler XXXX since the first payment has never been late as it was set up on auto payment and they can clearly review the history to see this is the case.I would never pay my payment late ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX of XXXX, XXXX XXXX XXXX Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. LVNV added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on XXXX  and XXXX  it listed as LVNV Funding LLC. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Portfolio Services, LLC
State: MI

Complaint narrative:
This company continues to email my mother who is not on the account. Within the email it includes my name amount owed and other details regarding my business with them. I have requested for them to stop yet they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect
State: LA

Complaint narrative:
I was charged an amount that was incorrect, I did not own any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: MI

Complaint narrative:
This company continues to email my mother who is not on the account. Within the email it includes my name amount owed and other details regarding my business with them. I have requested for them to stop yet they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX Inquiry date : XX/XX/2019 They Ran my credit twice in the same day I wrote to them No response The Fair Credit Act did not respond thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: MI

Complaint narrative:
XXXX of XXXX, XXXX XXXX XXXX  Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up. 

They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. XXXX added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX  its listed as XXXX  XXXX XXXX XXXX on Equifax and XXXX  it listed as XXXX XXXX XXXX. 

I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry. 
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay. 
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX  directly and was told that they can not help me. 
Lately I started receiving email, stating that they are going to forward to the local attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: MI

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-17 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: MI

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Sent multiple correspondence letters asking the debt be verified under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed and validation is requested. I have not received any answers and its been months for that reason I would like for it to be deleted off of my Credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Here is my issue in summary : My bankruptcy case was dismissed which included my truck. The bank sent me a letter stating I had 60 days or until XX/XX/XXXX to start making payments again to avoid repossession. I called to make payments to bring the account current only to find out that the bank closed the account on XX/XX/XXXX instead of XX/XX/XXXX. I was told I had to pay the loan off in full which is around 30k. I have attached the letters to show what Im writing about. 

The vehicle was repossessed the other day which prompted me to file another bankruptcy to get it returned back to me. The repo driver failed to verify the VIN number, which was covered. He also said I already know which vehicle this is. One of my tenants use to be a repo driver, he said this repo driver broke the law by taking the truck without verifying its VIN number. There are cameras in front of my house and I also have two witnesses, one being the former repo guy ( my tenant ). Whats the point of having rules if these drivers and banks are just going to violate them anyway. Something should be done here. 

I looking to take legal action against the lender for not letting me make payment when I was sent a letter by them stating I can do so. I also want to pursue a complaint against the tow company for not following state law with repossessing my truck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The first problem is that hyundai is not respecting the contract i signed in 2018 for my veichle its a XXXX XXXX XXXX and now my payments are showing wrong on my accounts online and when i call i want to know why my payments went up from XXXX to XXXX please help me. 
I was told serval times things were going to be fixed and i was suppose to receive emails but i have not received one email regarding this problem. 
also i didn't ask for this extra insurance payment i am being charged fro and i am being charged for and i am very upset due to this situation. also i have been harassed several times by this company regarding this situation and i want them to stop the harassment telling me that they are going to pick up the vechile for repossession. 
also because i am not fullest in english they yell and me and are harass full sometimes say they can't help me and i feel like i am being very discriminated by hyundai finale 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 explanation
Consumer complaint received 2020-07-17 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: MI

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-17 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: GA

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-17 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: GA

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal won't let me send or receive money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.

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 2020-07-17 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Upon reviewing my credit score earlier this month ; I saw that Mr. Cooper ( Nationstar DBA ) mortgage company reported an additional mortgage/ loan to my account and to my credit score. This error has decreased by credit score by 66 points. I work very hard to maintain that credit score and pay my bills on time. I have spoken to representatives from Mr. Cooper several times. When I spoke to a XXXX today she confirmed that between the months of XXXX and XXXX that their was a massive error on their behalf reporting incorrect information in regard to loans and credit reporting. I now have apparently wait fir their internal investigative department to research and clear the error. I need this error to be removed from my loan and from my credit score. I also need my credit score to be reinstated to its most recent numerical value prior to this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.

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