vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Opened loan XX/XX/XXXX. I was hit by a car & my truck was totaled. I had full coverage through the General & GAP insurance. The company submitted additional charges after settlement of claim. Since XXXX to current this has effected my credit. In XX/XX/XXXX a representative agreed with the fault of the company & received approval to wipe the {$480.00} debt also correct the late payments shown. They did a charge off ( instead of paid ) of my past due without correcting the history, as well. I have been in touch with company enough times to hear anymore lies. Im curious how one phone call after 2.5 years got them to charge off? 
I have a recording of the phone call with representative explains what outcome was & my agreement to the results. 
I am going to report to everything possible. Might as well, if they are going to harm credit for years. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: PA

Complaint narrative:
Several laws where broken by under the FCRA under your company I can't get a job I can't Obtain Credit, Housing, Car loans this has cost me financial injury.

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: M. G. Credit, Inc.
State: MD

Complaint narrative:
1 ) I am not aware of any debt or account that is open with XXXX XXXX, the original creditor of this account.

2 ) prior to receiving a collection notice on my credit report, I received no phone call or mail trying to attempt to notify me of such a debt.

3 ) phone number on account is listed under wrong person 4 ) all attempts to collect this debt were done by mail to an address I no longer live at or have access to. 

Original creditor is XXXX XXXX and collection agency is MG Credit in XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hello I found a chapter XXXX XX/XX/2021 the mortgage was XXXX stated by US Bank the original mortgage was XXXX once I filed a chapter XXXX and mortgage went back to XXXX I've been paying it for the last 3 months I missed a payment in XXXX bankruptcy got dismissed XX/XX/2021 I received a mortgage statement stating that I owe {$2000.00} in a letter saying that I can apply for a loan modification. Apply for mortgage assistance in my county do the covid also contact the US Bank home mortgage and requested a loan modification packet XX/XX/2021 at that time I was denied I'm unclear while I was denied and why the packet wasn't sent out when I'm sitting here looking at a letter that they're offering me a loan modification also I'm in the middle of trading my vehicle in because I got engine failure my {$2000.00} that's impact in my credit score is stopping me from getting a vehicle to continue on I need better communication with this creditor and I am not trying to lose my home due to lack of communication otherwise they're going to force me back into bankruptcy to secure my home and that's totally not fair when I screwing up my credit score when I need that for other things and to survive.

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 2021-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
bmo harris trust dept failed to close all accounts in XXXX XXXX XXXX and XXXX XXXX and forward proceeds to executors, XXXX XXXX XXXX and XXXX XXXX XXXX, executors in fact. see attched.

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 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NY

Complaint narrative:
Amerisave uses bait and switch tactics. They failed to provide Loan Estimates that reflect your " locked '' rate. They refuse to lock a rate until they decide to do so and charged for appraisals with affiliated entities despite not allowing me to lock my rate. I originally was trying to close a few loans with them but got a last minute bait and switch that required {$5000.00} in points charged. I refused but already lost my appraisal fees. I highly recommend they are investigated for similar tactics identified in their 2014 CFPB case.

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 2021-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account KOHLS/CAPITAL ONE is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: OH

Complaint narrative:
One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. 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, 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 2021-10-13 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: OH

Complaint narrative:
One of family members told me that you all may be able to help me with some accounts on my credit that are not mine. I doing this on my own and also contact the police. I file a complaint with this FTC but not sure if thats all I needed to do. 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, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX. 
XXXX, XXXX. XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: SC

Complaint narrative:
ON XX/XX/21 I CONTACTED EQUIFAX AND XXXX IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MS

Complaint narrative:
Received a letter from my mortgage servicer Selene Finance stating my mortgage assistance request and mortgage assistance was appealed, because of credit information received from XXXX credit bureau and other credit reporting bureaus. The mortgage assistance request was denied. I have read in my research the servicer or bank is not suppose to deny mortgage assistance because of credit. Selene Finance customer service and staff do not know the government requirements for mortgage assistance, It appears to me Selene Finance do what they want to do and will not apply the law. I have been affected by XXXX and my health was compromised. 
I am resubmitting my request for mortgage assistance, I have received several denials, each denial denial reason is different. 

See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX has been contacted several times that the collection account that has been reported to the credit bureaus are fraudulent and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: MI

Complaint narrative:
I have never missed a payment on my student loans, and I am currently on track for TEPSLF. I have worked for a qualifying employer for nearing 10 years, since XX/XX/XXXX of XXXX, with a qualifying payment plan. 

When my loans were transferred to FedLoanServicing for PSLF, I noticed over a year 's worth of payments to one of my previous, now defunct, servicers, " Direct Loan Servicing '' were not being counted toward PSLF or TEPSLF despite being over a year 's worth of payments made under the standard repayment plan while working for a qualifying employer. This period is being classified as " No bill '' - except I certainly had bills during this time, because I still have the receipts! 

In XXXX of XXXX I submitted over a year 's worth of receipts to FedLoanServicing so these payments, and a few others, could be manually tabulated. If tabulated correctly, I should qualify for TEPSLF in XXXX of XXXX. I have been waiting 10 months for them to do this. Every time I reach out to them requesting an update, I get a non-answer or more incorrect information. They scheduled a review of my account for the months from XX/XX/XXXX to XX/XX/XXXX when this review should be from XX/XX/XXXX through XX/XX/XXXX. They are also listing any time my loans were transferred to other servicers as months that do not qualify, despite being instructed by these servicers to continue making payments as usual until the transfer was complete. I have two months until I *should* be at 120 qualifying payments ( I was hired by a qualifying employer on XX/XX/XXXX and continue to work there ). Instead FedLoan Servicing 's complete incompetence has resulted in my estimated date for qualifying for forgiveness being XXXX. 

I was recently informed that FedLoanServicing will be transferring my loans to yet another service provider some time this year. I am livid. I am concerned I will have to start this process all over again, or continue making payments well beyond when I should need to. Refunding that money after this is finally corrected will not be an acceptable resolution. I have contacted FedLoanServicing every month since XXXX to try and get an update on the status of my request, and I just get the run around. This is so unacceptable it is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: LEXISNEXIS
State: TX

Complaint narrative:
I have received a letter from Lexisnexis the data furnisher that provided XXXX with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by Lexisnexis, XXXX, XXXX or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

XXXX has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. XXXX has not re-investigated the alleged bankruptcy. XXXX has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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:
I have contacted Credit Bureaus/Agencies ( Experian and XXXX ) and the Creditors ( XXXX XXXX ( 2 ) and XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' IQ INTERNATIONAL AND XXXX XXXX XXXX XXXX XXXX XXXX.AND VIOLATED " FCBA, FCRA, FDCPA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: ID

Complaint narrative:
Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that? 
Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time. 
Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: ID

Complaint narrative:
Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.

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 2021-10-13 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: TX

Complaint narrative:
On XX/XX/ sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation