vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
submitted online request to get my name and address updated and still my name and address are incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA has lied over and over again in their correspondence to the cfpb. They never mailed me any documentation at any time concerning anyting post repossession of vehicle. Allow me to set a few things straight and prove that Santander is XXXX  ; Point one ; when I did the recording to repossess the vehicle I was told that I was not to pay any more money until I got proof of how much the vehicle sold for and what the value of the delinquency would be post sale. I was also advised that is 3 to 5 business days I would be contacted by somebody from the towing company telling me when they would come and repossess the vehicle. However, Santander negligently or maliciously did not supply the towing company with the telephone number and subsequently the next morning following the recording they were at my home repossessing the vehicle. 
Point 2 ) Santander turns around and charges the account off without giving me any opportunity to set up any sort of payment arrangements to keep the account in a non charge-off status. This just proves this Santander is out to ruin my credit and the multitude of class action deceptive lending practice lawsuits lend credibility to what Santander is doing to myself. 
Point 3 ) Santander states that they have sent me paperwork if they have no proof nor have they furnished and approve other than attaching copies of documents to their responses but yet they have no proof that they were actually ever sent to me which is convenient for this Corporation. I have continually ask them to correspond with me via mail in regards to establishing some sort of payment arrangements as I do not wish to communicate with them via phone because they're dishonest and they've shown that they can't be trusted especially when they tell me that I'll have three to five business days before the vehicle is repossessed and then they show up at XXXX XXXX. the next morning to repossess it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I took out a home equity loan from PNC bank. Since the beginning of the loan, I have been constantly seeing the following problems : 1. PNC has misappropriated my additional principal payments as well as arbitrarily and unfairly split my payments to their benefit and applying it to interest. This is stealing money because they are purposely keeping my principal balance high despite on time payments plus extra. I also believe the is a form of predatory lending. 
2. Ever changing amounts applied towards interest and principal that follow no pattern.

3. PNC refuses to provide an amortization schedule 4. PNC continues to randomly split extra principal payments and apply some of those dollars towards interest against my expressly written wishes 5. PNC is refusing to fix problems in XXXX now that is XXXX. According to PNC their system does not allow them to go back. Despite the fact, I first called in XXXX to address their issue and their extremely slow pace is the only reason why it is now XXXX. 
6. I have worked with 3 separate representatives from PNC and get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NV

Complaint narrative:
There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
submitted online request to get my name and address updated and still my name and address are 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 2020-02-06 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: NV

Complaint narrative:
There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX  XXXX  XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.

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 2020-02-06 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 student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX XXXX XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I deposited my check via mobile app. A state of California issued check. I received approximately half and the other half was placed on hold. My funds were held or scheduled to be held til XX/XX/2020 the deposit was made on XX/XX/2020. I called USAA and asked why my funds were not in compliance with RegCC  expedited funds availability act. I told them that the hold was incorrectly placed because the check was a State Draft and should be handled differently. The executive complaint resolution persons told me that I agreed to waive Reg CC by using the Mobile App to deposit my check. How can I waive the obligation of an institution to comply with federal regulations? This seems illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 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 {$13000.00}. 
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 ) -- COLLECTION ACCOUNT XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. Accounts XXXX ; XXXX ; XXXXare duplicate 10 year old accounts that report payments received in 2016 not by me, to re age accounts and have not giving proper method of verification of inaccurate reporting.

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 2020-02-06 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: NV

Complaint narrative:
There are a couple of accounts that aren't mine. Please remove them.

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 2020-02-06 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: NV

Complaint narrative:
There are a couple of accounts that aren't mine. Please remove them.

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 2020-02-06 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 a couple of accounts that aren't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sent a letter to dispute a debt with Macy 's Department Card. When I attempted to contact this company, at XXXX, I was unable to make contact with any representatives in the year ( s ) XXXX and XXXX. In XXXX, I reached a representative at the telephone number ( XXXX ) XXXX and told that XXXX XXXX XXXX XXXX no longer is managing this account and I need to contact Macy 's for more detail. I was unable to get a complete account number.

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 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar modified my mortgage ( TIER 2modification ) on XX/XX/XXXX and on XX/XX/XXXX Nationstar Mortgage ( Now MR Cooper ) applied {$5000.00} principal payment to my mortgage as a loan modification incentive. Four years later ; in XX/XX/XXXX Mr Cooper ( previously Nationstar ) clawed back the {$5000.00} incentive without any notice. I contacted Mr Cooper and they stated that the incentive was reversed because they made a mistake 4 years ago. This is disturbing and is affecting my financial situation as I will not be able to refinance due to the increase in principal balance. 
I believe that Nationstar 's practice is deceiving as they deliberately applied the incentive with a plan to claw it back in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A debt collector filed a derogatory comment with XXXX and Equifax ( but not with XXXX  ) which I dispute. I logged into XXXX and filed my dispute which was very quickly resolved and the derogatory comment removed. But, I could not get logged into Equifax and could not speak with anyone on the phone until they mailed me an access code. When I finally received the code, I still could not log in, but was finally able to speak with someone on the phone. But they told me they did not see the derogatory comment in my file. I had just obtained a copy of their report thru XXXX XXXX and told them exactly where it was and that my credit score had decreased as a result. After lengthy time on the phone they finally agreed to file a dispute. It's been several weeks and hadn't received status so attempted to contact them again with the same results as my initial attempt!! I have no confidence they will get this resolved or even really try, they are just doing some bogus stall to get me to give up!. When I filed a complaint with them, they pulled a similar stall/obfuscation maneuver ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This problem is well documented under claim " XXXX XXXX Delivery Damage : XXXX '' and associated with the damages and delayed resolution on Order ( s ) XXXX and XXXX. 

Payment was withheld while we waited for Comenity Bank/XXXX XXXX to process a {$4600.00} credit and for XXXX XXXX 's insurance company ( XXXX ) to provide a {$850.00} check due to delivery damage to our home. 

Comenity Bank, despite the documentation and consistent communication mentioned above in their " Secure Message Center '', submitted an erroneous delinquent account alert to the credit reporting agencies and sent the account in question to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I used MoneyGram regularly to send money to XXXX with the option to deposit directly to the receiver 's bank account. This transaction normally takes a couple of days to clear and have the funds available by the receiver. 

On XX/XX/2020 I sent {$800.00} to the same receiver 's bank account previously used ( the receiver 's account 's number is automatically stored in Money Gram 's website for convenient repeated transactions ). Five days later ( XX/XX/20 ) I called customer service to get the status on the transaction since the money has not appear in the receiver 's bank account. The customer service person I spoke with claimed that MoneyGram made the deposit to the receiver 's bank account the next day on XX/XX/2020 and that MoneyGram not responsible after the deposit is completed. It's up to the local bank he said. But MoneyGram is not able to provide proof of the deposit made to contact the bank ; neither provides assistance to figure out where the money went. 

Their customer care is poorly set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I have contacted Franklin Collection regarding an account that they claim that I owe them for an alleged debt in the amount {$1500.00} for a company they represent by the name of XXXX XXXX XXXX. I know for a fact I have never had any dealings with Franklin Collection nor the company that they represent. I have asked Franklin Collection to provide some type of competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them or the original alleged creditor. However Franklin Collection has failed to provide this information.I have continued to do my own investigation and have found that I am a victim of identity theft and this account is a result of identity theft. However due to Franklin Collection ignoring my request to validate and verify this account I think they do know this as well and proceeded to report this fraudulent account onto my credit file anyway. In accordance with the Fair Debt Collection Practices Act, I am asking Franklin Collection to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above. 

XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX  XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete. 

XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX. 

Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX  but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX  XXXX XXXX, the comment says disputed my customer. The name was just changed. 

Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: AR

Complaint narrative:
I have several items reporting that have not been updated to the correct status. 
XXXX XXXX exceed 7 years. 

XXXX has some questionable practices that seem to leverage the consumer. After calculating my loan I am on the hook for $ XXXX on a $ XXXX vehicle. 

XXXX XXXX XXXX paid in full. 

OCSE/Child support information where do I start, information is injurious to welfare. Information is no where near accurately reporting. 

XXXX XXXX XXXX is the only correct address listed among the 18 listed. 17 not mine. 

XXXX is my correct phone number the others are not nor have they ever been listed under my name. Remove obsolete personal information asap

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