vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Gateway One Lending One and Finance is the current servicer of my Auto loan since XXXX of 2016. In XXXX, I received a notice from some other company saying they are the servicers of my auto account. I did not receive a 15 day notice from GateWay One Lending and Finance Nor was the notice from Santander USA in the 15 days either. As a consumer, I have been violated and was not provided sufficient time and evidence. Also the reporting on balances are inaccurate. Gateway One lending and financed closed my account according to my credit report, but then opened said account back up. They are reporting inaccurate information on my credit report and false information. At this point, as a consumer I am not sure who the real servicer of this account is and my real account balance and account should be closed. If not properly managed, i will have to seek attorney for this is damaging my credibility and causing much grief and harm and anxiety. Please correct this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
I found out I was in debt on XXXX XXXX. I was not notified that I was debt in anyway. And it was for a service that is covered by insurance. And when the service provided occurred I was a minor ( XX/XX/2018 ). I signed no legal document that I would claim the debt. The debt was on my parents but they were having problems because insurance covers it. And they said they would take care of it and they never heard from them again. But they transferred the debt onto me on XX/XX/2018 with no one 's knowledge and no one was notified or sent anything or called about it. I found out when I was looking to see how to get my credit started on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH XXXX   AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX  LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM XXXX NEVER CITED THE SOURCE. I RE-PULLED MY EXPERIAN AND IT'S XXXX. I WOULD LIKE XXXX  FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE XXXX   FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.

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 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
My installment loan with State Farm is inaccurately reporting on my credit file late. I have never been over 30 days late on my auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My car was totaled in 2016, there was a settlement offer made of approximately XXXX, at that time they said they would update my account and my credit report to show the amount they lowered the balance to. This did not happen, I never received the paper work in the mail, nor an email with paper work from them. So, 6 weeks later I call them back and ask whats going on, they told me the settlement offer was voided, and offered me a new one, for XXXX told me to make payments and theyd update my credit account, this never happen, never received anything from them. It now shows up as a repossessed vehicle on my credit when its looked at by other car dealerships and has limited the amount of anything I get financed for, not only that but my interest rates through the roof. This needs to be removed from my credit account. They dont want to hold up their end of the deal stating it would show, and update. This is now going on 4 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
New Rez is holding on to my escrow money and has not paid my property taxes. The taxes are now overdue. I called the company several times to get them to pay my taxes and they told me to submit a copy of my past due property taxes to them. I did, but there has been no response. I've tried calling again and agan, but hold time is so long that I have left two messages to call me back ( since last Friday, XX/XX/20 ). They have not called me back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: GA

Complaint narrative:
I disputed wrong information 3 times starting XX/XX/XXXX but I did it in XXXX also they continue reporting and letting XXXX XXXX abuse my credit reporting information that is in my bankruptcy to which they agreed to in court I might add. I have given Experian proof that I have paid as agreed but they keep letting them harass me by reporting twice a month that I am Late. Under the bankruptcy they agreed to the terms do they get to be under the bankruptcy which is already on my credit and also report like I dm not under the bankruptcy. No other company under the bankruptcy is doing that how is this legal.. I have not missed no one payment in fact I have paid more. XXXX is a bank I never signed a contract with. They obtained my information because they merged with XXXX XXXX which I did have an account with in which I am in good standing with.. so how is this possible???? I never had an Account with XXXX ... Never signed a contract with them. They obtained my information because they merged with XXXX XXXX once again

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 2020-03-21 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: TN

Complaint narrative:
Equifax sent a response stating " Equifax will not respond to this complaint via the CFPB portal as we suspect it may have been submitted using a credit repair company. '' I submitted my complaint myself. I am not a credit repair company. It doesn't matter what verbiage is used. If I ask specific questions, it is my right to get the answers. Equifax does not want to send a response via the CFPB portal because they don't have answers to specific questions that I'm asking and they don't want the CFPB to know this. All they are going to do is do another " Investigation '' and send me a letter saying the items were verified. I spoke with a representative from Equifax and he stated that during this " Investigation '' they send a message electronically to the original creditor and ask them to verify the balances. THAT'S IT! That's not an investigation. That's only my word against theirs. Again, I want to know who at Equifax performed this investigation, what documents were used to verify the items, and what is that Equifax employee 's phone number? You can't verify something and not show me how you verified it. Provide the information that I asked for or remove the items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: TN

Complaint narrative:
I've been in an ongoing dispute with TransUnion over the past 12 months. They have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information.

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 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Three ( 3 ) times I notified by email Ms. XXXX XXXX  XXXX the branch manager of the XXXX, New Jersey branch of the Bank of America and her assistance Mr. XXXX XXXX that because of the coronavirus I can not make payment on my car loan from the Bank of America. They have yet to answer. I wrote to the President of the Bank of America in XXXX, North Carolina. He has yet to answer! 

The Internal Revenue Service has extended the tax deadline without late fee or interest from XX/XX/XXXX to XX/XX/XXXX. The Bank of America can XXXX well follow suit with regard to my automobile loan and my debit card and my rewards card! 

We are all in it together as President Trump and Vice-President Pence repeatedly say. This means that the Bank of America in order to be patriotic and American must do as I have repeatedly requested! And it is the humane and honorable thing to do!

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 monetary relief
Consumer complaint received 2020-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2020, a friend sent me {$150.00} via PayPal for an emergency expense. PayPal immediately put a hold on the funds even though I use them all the time for shopping, etc ... I reached out to them via chat that same day and was told that my friend sent the money under goods and services instead of friends and family and they would have to verify the transaction. The agent said he would mark my side as shipped and my friend would have to just verify on her end. Unfortunately, she has been unsuccessful at reaching PayPal to do this due to her work schedule and the funds are still on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21 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 submitted a complaint earlier along with documentation to prove that Experian is purposeful and willful in miss reporting my Credit Score. I complained about XXXX XXXX XXXX And Experian and ever since I have tried to get proper help for removing information and mistakes on my credit report. I have been patient and even paid Experian several times to get their premium service. I have raised and lowered my balances on my credit cards and taken out loans to do what they suggested. They have shown that their reporting and scoring is not impartial. Please take a look at the documents I have included. I purposely paid off all my credit balances to show how Experian does hold some accounts in contempt. I had my score drop today because I paid off most of my XXXX XXXX card from XXXX. They said that I lowered my savings account. Experian does in fact take offense to complaining to your agency! I have included the documents! Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: VA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
These people have been harassing me for years over a Victorias Secret card under my married last name which Ive been divorced for well over 11 years. I also dont recall ever having a Victorias Secret card. The last time I spoke with them they said that I needed to pay them or they were going to take me to court and it was gon na cost me {$5000.00}. When I told them I wasnt going to pay them anything until I saw paperwork they said will see you in court and hung up. Now a few years later I received the following document in the mail stating that Im going to owe taxes to the IRS for this debt And provided a fake 1099 form or pay them. This  has to stop see attached. I forgot to mention theyve also contacted several of my family members as well and threatened lawsuits against me over the phone telling me theyre going to serve me papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
My name is XXXX XXXX. There is a Account from allied some type of collection bureau reported to XXXX in my credit report my social security number or none of my personal information was provided to this company I dont know what was used to verify that this account belongs to me this account doesnt belong to me and I havent received anything in writing and this debt isnt mine. Please remove this account from my credit report.

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 2020-03-21 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:
THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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:
THE ISSUE IS HIPAA COMPLIANCE. XXXX XXXX is in possession of my medical records. These records are protected under HIPAA. I did not authorize their release to XXXX XXXX. I requested documentation of the authorized HIPAA business relationship between XXXX XXXX and XXXX XXXX and documentation of your authorized HIPAA business relationship between XXXX XXXX or XXXX XXXX. My request was made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and California 's Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued XX/XX/XXXX and Omnibus Final Rules effective XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I disputed some transactions on my PNC Bank account. 

On a recorded phone call I was given the expectation that my account balance would be restored in two business days, this was on XX/XX/XXXX. 

On a second recorded call a few days later I was again given the expectation that my account balance would be restored in 3-4 business days, after the phone call I was locked out of my account this was XX/XX/XXXX. 

It is XX/XX/XXXX and my account balance has not been restored. PNC needs to be held accountable for the expectation that they set for me as the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card from Capital One ( Last digits of card is XXXX ) - I payed off the credit card with a balance of {$3000.00}. My due date is on the XXXX of every month. Usually I am only able to pay {$100.00} or {$200.00} towards the balance which causes Capital one to charge me interest because the old balance rolls over into the new month. However, I payed off the entire {$3000.00} on XX/XX/XXXX, four days before the XXXX due date. On the morning of XX/XX/XXXX I noticed that there was a new charge in the amount of {$43.00} from Capital One on my credit card statement. When I called the rep he told me that Capital One charges me interest everyday regardless of if the balance on the card is paid - not only is this new information from what I have been told by Capital One reps but this practice should be illegal. I asked to speak with a supervisor and informed them I will be recording their call- the Supervisor hung up on me because I said I would not stop recording. Please assist and rid consumers of this evil. If you need to contact me I can be reached at XXXX XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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:
My info was use to obtain goods. On top of corona virus I cant survive. Please remove fraudulent accounts from my credit report XXXX XXXX XXXX XX/XX/18. {$1900.00} XXXX XXXX XXXX XXXX XX/XX/18. {$110.00} Remove of my credit report immediately. I am a victim of identity theft.

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