vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It XXXX Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX This is my second request as I contacted the company and I did conpanies telling me to contact the credit bureau. I am going in circles & need this information deleted!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: OH

Complaint narrative:
On XX/XX/XXXX, XXXX  XXXX XXXX filed suit against me in XXXX XXXX, OH XXXX XXXX ( Case No. XXXX ) seeking {$4500.00} for allegedly delinquent credit card debt. I filed an Answer denying all claims and raised affirmative defenses. Attorney XXXX XXXX represented XXXX who failed to produce the required documentation to prove its case. With its Complaint, XXXX filed a false affidavit of its North Carolina employee, XXXX XXXX, who was caught giving false affidavit testimony in prior XXXX   collections lawsuits. I requested a jury trial which was scheduled for XX/XX/XXXX. But, on XX/XX/XXXX, XXXX dismissed all claims with prejudice. Because XXXX  never proved its claims before it dismissed the entire action forever, it should have removed the matter from my credit report but it refuses to do so. I filed multiple disputes with credit reporting agencies. XXXX 's attorney, Ms. XXXX, has not acknowledged or responded to my email requests. There is no basis in fact or law for this alleged, completely unsubstantiated debt to remain on my credit reports for 2 years after we litigated this for over 1 year before XXXX dismissed its lawsuit before the scheduled trial.

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 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have had an account with Santander Consumer USA since XXXX of 2016 i originally purchased the vehicle for XXXX the contract i signed was a 72 months lease. Although i have deffered some payments i noticed that i still owe XXXX i viewed my statements and all of my payments are going towards the interest loan theres no way that all of my payments down to the XXXX should be going towards the interest only. In these 4 years i have paid over {$32000.00} to santander and not XXXX cent went towards interest. I want either my money back or the title to this vehicle and the vehicle removed off of my credit report. below i have attached a copy of my statements that show all of my payments are going towards only the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 Toyota motor credit Corp. put a negative action on my credit report when it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am a victim of Identity theft and I have a discover card and mortgage that not mind

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX put a negative action on my credit report when it wasnt.

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 2020-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX put a negative action on my credit report when it wasnt.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I was in communication with XXXX XXXX XXXX # XXXX about a mortgage refinance on my primary residence. I informed him that I have a HELOC and didnt want to close that loan so I want my second mortgage holder to subordinate to the new mortgage loan. I contacted my 2nd mortgage holder and was informed that XXXX company, loan depot, would have to request the subordination agreement. 

On XX/XX/XXXX I spoke with XXXX and again said I didnt want to move forward unless we could get a subordination agreement. He informed me they would work through the subordination process but I would need to apply for the loan and I would need to pay for the credit report. So I applied. 

I emailed a week later to let XXXX know he would need to contact my bank I have the HELOC with and reminded him to contact them about the subordination. He didnt respond to the email so I called him. He let me know my processor would work through that process and I would be contacted in a week. 

On XX/XX/XXXX I was contacted by the processor. She stated she would send me an email with information I would need to provide. I informed her of my conversation with XXXX and she promptly stated they were not processing mortgage that were requesting subordination agreements. I told her of my conversations with XXXX and she said sorry but were not going to move forward if you request the subordination. I asked to talk with her boss and XXXX boss because I fell like XXXX was being deceptive. 

I believe XXXX was being predatory, that we would get down the road in the process and that I would just forget about the subordination. This would force my hand. He told me not to make my XXXX payment so we could close on XX/XX/XXXX and I could miss to payments. So if I would have gotten to the closing table and hadnt made my XXXX payment my hands would be forced to close. 

I believe this to be a business practice that the company endorsed and the LO uses this sales technique to defraud their clients. 

When I emailed XXXX and Loan Depot to withdraw my application he said they would cancel and decline my loan application. So Im out of the money for the credit report, Im out of my refinance rate, and they have potentially hurt my credit score. If I go to another mortgage company they will pull my credit and again potentially ding my credit score These unfair and deceptive practices have to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Hello, On XX/XX/2020 I made a purchase from the company XXXX XXXX XXXX in the amount of {$1100.00} for a swimming pool and a swimming pool liner. On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX XXXX saying my order for the pool was cancelled and I would be receiving a refund. It was not in stock due to COVID-19. I did receive one piece of my order so the refund would be {$1000.00} for the swimming pool. 

Some time passed and XXXX XXXX XXXX wasn't able to tell me when I would receive the refund. They stated their refund department was backed up and they didn't know when they would get to it. Due to the uncertainty, I filed a dispute with my bank to assist in getting the refund. I did this on XX/XX/2020. 

On XX/XX/XXXX and XX/XX/XXXX, I faxed a questionnaire to PNC Bank as they had requested. I included the questionnaire, a receipt of purchase, and the email from XXXX XXXX saying my order was cancelled. I did not hear from PNC Bank until the beginning of XXXX when I received a letter saying they denied the dispute. I called to ask why the dispute was denied, and they stated that they didn't receive the paperwork. I have the fax receipts showing they were delivered. 

On XX/XX/2020 I called PNC Bank to dispute the transaction again as they have taken the money back from my account. Since then, I have not been able to get any information concerning my dispute. When I call to check on it the only response I get is it is in process. At this point I have not received any paperwork or followup from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted a previous complaint about Equifax reporting fraud accounts in case XXXX. After receiving the police report along with an identity theft report they are still reporting US DEPT. OF EDUCATION {$1000.00} & XXXX XXXX {$13000.00}. I have explained time and time again these are not my accounts please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} & XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!! I have submitted this complaint XXXX on XX/XX/20 and nothing was done & today three months they still have these accounts listed along with two inquiries XXXX XXXX XXXX XX/XX/20 & XXXX XXXX XX/XX/20. Please delete this information for XXXX XXXX XXXX {$470.00} & XXXX XXXX {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware of a complaint will be filed to the respective local or federal agency. Additionally, I request that you cease and desist any future telephone communication. 

Please send all communication, by mail, to XXXX XXXX XXXX, XXXX, MD XXXX. 

I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Accompanied with my monthly Capital One statement for XX/XX/XXXX - XX/XX/XXXX I received the customary personal information privacy statement, which allows me to limit the sharing of my personal information. This document has been disseminated in ALL consumer credit card statements for AT LEAST the past decade. I called customer care on XX/XX/XXXX at XXXX MST and when I asked the associate to update my privacy preferences he had absolutely NO IDEA what I was talking about. Furthermore, this person failed to follow my instructions and cold transferred me, instead of warm transferring me, so my account needed to be verified yet again. So aggravating dealing with poorly trained employees from a non-US based call center. The second associate also did NOT know what I was referring to and put me on hold for nearly 10 minutes to look for help. After spending over 32 minutes on the phone in order to complete this very simple task, as is afforded to me by law and my credit card agreement, I was UNABLE TO UPDATE MY PRIVACY SETTINGS so that Capital One can not share my personal information with ( 1 ) Affiliates for everyday business purposes ( 2 ) Affiliates to market to me ( 3 ) Non-affiliates to market to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report. I initially sent this request XX/XX/20 with all documents showing proof that this does not belong to me. Again I am asking to remove the above accounts from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I had a credit card with XXXX  XXXX with a {$300.00} limit. It was not maxed out. I became a XXXX   unexpectedly and could not afford any expenses beyond rent and childcare while I work at the time so credit card payments were out of the question. XXXX XXXX  would not work with me whatsoever. They supposedly sent my debt to LVNV LLC for the amount of {$780.00} which is almost double what the limit even was and the card was not maxed out. I have tried to resolve the debt numerous times but they can not locate my account yet they are reporting me in collections for the amount of {$780.00}. I have disputed this MANY MANY times but they will not rectify the account. XXXX  XXXX and LVNV are both reporting me delinquent which is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted Transunion several times by phone, letter & several cfpb complaints including XXXX & XXXX concerning several fraud accounts that I have proved that do not belong to me, yet Transunion still reports them for XXXX XXXX {$160.00}, XXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX  Opened XX/XX/14, XXXX XXXX was updated to close but still on my report this should be deleted. I have never been on Child Support & you all are reporting a balance of {$8500.00}. Please delete

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 2020-09-23 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: IL

Complaint narrative:
I am a XXXX XXXX XXXX with 5 complete years of full time service in a XXXX XXXX  XXXX. I meet ALL of the criteria for a {$17000.00} reduction in my student loans and was denied. My application was completed accurately and I uploaded it correctly. I meet all other criteria as well. 

No additional information was provided to explain or justify the denial from Fed Loan Servicing. I have read countless stories from teachers nationwide who have experienced these very same frustrations. 

I have earned this XXXX  loan forgiveness, and I am entitled to it, based on the requirements that Fed Loan Servicing set forth. 

I would like this resolved as soon as possible.

Company response to consumer: Closed with explanation