vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MID-ISLAND MORTGAGE CORP.
State: NY

Complaint narrative:
On XX/XX/21 i made on online payment to mod island mortgage with an account set up with prior payments cleared. Mid island has acted as a predatory lendor by adding false charges and destroying my credit rating. 
The company has been contacted with their online chat and I was told they are allowed to do it? The account was current and in good standing. 
MID ISLAND MORTGAGE CORP ARE CRIMINALS. THEY ARE THEXX/XX/XXXX OF THE XXXX XXXX STOCK BOILER ROOMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for this Sam 's Club World Elite Mastercard at XXXX XXXX at my local Sam 's Club in XXXX XXXX. From that moment on, I have had nothing but trouble. Even the store manager had problems with this card company! 
They are impossible to contact and believe me I have tried many times. I have no idea who owns this card company, but I believed that since it was through Sam 's Club and that it is a Mastercard, I could pretty much trust it. I was sadly misled. 
I recently received a letter from the company saying they noticed some recent activity on my card. Well, for one thing, I have been in the hospital for over a week ( 10 days ). They ( unless this is a scam ) gave me a # to call XXXX and a one-time passcode : XXXX which has done me no good, since I can not get ahold of anyone! I have called numerous times. Plus I tried to reach them because they had a charge of over {$100.00} that I do not recall very making. Then to make matters worse, this so-called credit company has ruined my almost 800 credit score!!! I hope you will be able to reach them and get this resolved. I have asked for a paper report of the charges and have received nothing! Sinceely, 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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My only name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX New York XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

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 2021-06-25 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: CO

Complaint narrative:
XXXX is showing that I had missed a payment in XX/XX/2017 when I had paid the company the total amount ( current balance is {$0.00} ). I tried calling and asked them to remove the information for which they said they wouldn't be able to do it.

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 2021-06-25 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: DISCOVER BANK
State: NY

Complaint narrative:
the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a series of emails for Experian stating the report for my dispute was available I never filed a dispute. After trying for more than an hour to get a live person on the phone. I then spent 20 minutes verifying my identity. When I was finally asked for the report number and the name on the report they refused to tell me how my account had been mixed up with another person 's. They have comingled our accounts. I have a fabulous credit score. I will be very unhappy if it gets damaged because Experian has confused my account with someone elses. I could get no satisfaction from their disinterested foreign call center employees.

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 2021-06-25 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:
HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE EQUIFAX WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY EQUIFAX, XXXX  OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from XXXX, TransUnion, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the XXXX app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.

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 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Did a loan modification after 3 required payments were made. They then sent documents to sign with notary and sent back which were done. I am now locked out of my account and can not make payment over the phone. Did reach customer service and was told they did not get 2 of the 3 required payments when I was told a month before that they did get them. I show they cleared my account. We have good equity in our home and feel they are trying to take our home even though we did everything we were needed to do. None of this was disclosed to us until I contacted them. I would like legal help. I would make payment over the phone and the amount was taken from our account but then they would also take another amount that was not authorized and was declined so thats why they are telling me I am not current when I show I am. Locking me out of the website so I cant see what is going on should be illegal

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 2021-06-25 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
We closed on our business on XX/XX/2021 and our SBA loan with Wells Fargo bank was paid off on this date. Due to our attorney not being able to get a payoff statement from Wells Fargo in time for closing, {$15000.00} was put into an escrow account and will remain there until we have our lien release from Wells Fargo. 

As of XX/XX/2021, Wells Fargo had not provided a lien release to us for the loan, so I called Wells Fargo and requested a lien release and was told it would be mailed to us within 30 days. 
Since XX/XX/2021 I have called Wells Fargo six times to check on the status of the lien release. I have been directed to two different departments, sat on hold, been disconnected and told that only one person can help me. This person, " XXXX '', is never able to speak with me and has not returned my request for a phone call. I have requested to speak with a supervisor, but have been told " supervisors don't take phone calls. '' I have explained my frustration to all employees that I have spoken to since we have now waited over 60 days for a lien release that is tying up {$15000.00} of our funds. 
I have included the last billing statement I have received for my loan. My notes on the bottom of the first page include a case number that I was given when I filed a complaint with Wells Fargo.

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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE XXXX XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARSXXXX XXXX IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, XXXX  OR TRANSUNION HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.

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 2021-06-25 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: IL

Complaint narrative:
HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, EXPERIAN OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.

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 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Paid car off on XX/XX/2021 Never received title or lien release Called several times to receive and Im still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
My dispute process with Reliant Capital Solutions dates back to almost a year ago, when I received a voicemail on XX/XX/XXXX, from a company representative named XXXX XXXX regarding an alleged debt they are attempting to collect. I immediately responded by mailing a cease and desist dated XX/XX/XXXX. I asked that all communications be sent via postal mail only and that they send any information related to this account to verify the account. I received a response dated XX/XX/XXXX with an alleged account printout, but no real information to confirm their right to do any type of business with me. I sent Reliant Capital Solutions an offer to settle this account on XX/XX/XXXX, which was ignored by Reliant. I allowed over 30 days for a response before I sent another letter dated XX/XX/XXXX, asking for more information to verify the account. I received a response dated XX/XX/XXXX, with the exact same document submitted in XXXX and no new information. I understand mistakes happen, so I took the opportunity to send another settlement offer to Reliant dated XX/XX/XXXX. Another 30 days has passed with my communications being ignored. My intention is and has always been to resolve this outstanding account because it is causing harm to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
This company has violated my consumer rights and the FCRA laws on numerous occasions. I sent them an official statement on XX/XX/2021 with FTC REPORTS letting them know that these accounts were fraudulent. they were to remove these accounts in 4 days of receipt of my letter according to 15 USC 1681c-2. 4 days has came and went and these fraudulent accounts are still on my credit report. Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to. this is complete XXXX that they violated my consumer rights and made me feel powerless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/2019 I bought and financed an auto, XXXX XXXX XXXX  from the dealership XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Fl XXXX. At the same date I bought service protection for this auto. The purchase is financed through Honda Financial Services. I continue to pay interests on the total amount of the purchase including the service protection plans that were cancelled. 
In XXXX less than 60 days after the purchase I went to the XXXX XXXX XXXX and cancelled the following services as listed below : XXXX XXXX XXXX  contract cost : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX cost {$290.00} XXXX XXXX XXXX XXXX  cost {$470.00} I have the cancellation registration form for these services. I contacted the service providers and they confirmed that the coverages listed above had been cancelled in XXXX. I never received the credit for the total amount of {$1200.00}. 
I have tried to reach XXXX XXXX XXXX several times about this issue and the company never returned my calls. I contacted Honda Financial Services and the issue has not been solved. To this date I am still paying interest on the amount above and I have not received any credit for the cancellations of the protection plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I applied and was approved for a {$15000.00} personal loan through Upgrade. As of today, XX/XX/XXXX I have yet to receive the funds. I have tried to call and email serval time and different departments. I have also tweeted. I called twice yesterday and waited 50 min to be disconnected. I called today and was told the wait time was 19 minutes. I was on hold for 1:45 min and had to hang up because I was work. I sent the same email to XXXXhree different departments. Support @ upgrate, Resolution @ upgrade and contact @ upgrade

Company response to consumer: Closed with explanation