vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: SC

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I received my credit reports and observed Santander Consumer USA as a listed debt with a XXXX   balance on all three of my credit reports ( XXXX, XXXX and XXXX ). XXXX reflects that  {$3200.00} was written off ; however, XXXX or XXXX does not reflect a charged off dollar amount. I do not recall this account ; therefore, I mailed a certified letter, XXXX XXXX XXXX XXXX XXXX to Santander Consumer USA on XX/XX/2020 and per the United States Postal Service tracking website, it reflects that Santander Consumer USA received my validation letter on XX/XX/2020. To date, I have not received a response nor any validation of any sort from Santander Consumer USA and this is quite frustrating. They are placing a negative account on all three of my credit reports but won't provide any documentation or response of any kind to support this debt belongs to me. They have had more than 30 days to respond to my certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I am trying to refinance my mortgage with TCF Bank. However, they never answer the phone to provide necessary information. Ive been on hold on 6 occasions for more than 2 hours each time and cant get in touch with anyone. My mortgage broker has also tried several times to contact them and cant get through to anyone. This is making my refinance impossible to finalize and will end up costing me thousands of dollars. TCF Bank is the WORST bank Ive ever dealt with. I cant even say their customer service is terrible, because it doesnt even exist, there is no customer service, Im just out on hold forever with no resolution. People should avoid TCF Bank at all costs. Dont bank with TCF!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC
State: CA

Complaint narrative:
apparently I took out a Loan on XX/XX/2019 of the amount of XXXX the company is apparently Loan me but when I contacted them they said I never took out a loan or submitted one. the debit collecting company is named DRG and the person calling me is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX loans purchased my loan XXXX of XXXX they have not been able to get any of the information sent to me correct. Payment dates, terms etc. My loan is a bi Weekly adjustable rate mortgage. The rate changes bi weekly and the payment is recalculated on an annual basis for the terms of the payment. During the year my principle payment can go up or down based on the adjusting rate. The biggest problem started on my annual payment recalculation. My interest rate dropped by .12 % yet they dropped my payment by XXXX dollars a month. The loan was originated 20 years ago on a balance of about XXXX resulting in a biweekly payment of roughly XXXX prior to the adjustment. The adjustment came in and they dropped my biweekly payment to XXXX. This all happened in XX/XX/XXXX. The paperwork they sent shows my loan which had around 150 months left to pay now shows 339 months and the new payment reflects an amortization schedule in the same realm. They have changed my loan terms and extended my loan out over 10 years. In no way is this acceptable to me. I have been trying to get accurate information from Rushmore for over a year. Nothing they send ever reflects the current and accurate status of my loan, from payment terms, dates, amounts and now loan length. I have another identical loan from the original bank that I can track side by side to show these amounts are incorrect and Rushmore is in violation of Respa and will not do anything to fix the issue. I am currently on my 4th " Loan review '' with the same answers that everything is on track and correct. I have loan statements for this property and the identical property with the same loan still serviced by XXXX XXXX for over 15 years. I can provide side by side comparison if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Collection was opened XXXX XXXX amount {$1800.00} Collector XXXX XXXX XXXX original creditor 01 Capital One N A Account Status with Capital says Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these 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 2020-09-18 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: NJ

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$150.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was cause by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX keeps reporting Portfolio XXXX ... XXXX dollars on my file. I keep contacting them about this problem and it is till not worked out properly. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$19.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was caused by fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brennan & Clark, Ltd., LLC
State: CO

Complaint narrative:
I was contacted by personal phone and email. Then, without my giving it to XXXX XXXX, and without my permission, he proceeded to call me at my place of work and email my work email. I contacted the original business I when indebted to and made payment and payment arrangements. He emailed me again. I told him that I had made payment and arrangements for further payment with XXXX ( the company I was indebted to ) and that I was handling it through them. He continued to email me saying there were no payment arrangements made. I responded telling him again that I made payment and XXXX told me I could make another in a couple of weeks and that I was not going to discuss it any further with him and to remove me from their contact list or that I would report him. He emailed me again trying to tell me they have no payment arrangement set up with me and that I needed to send him proof by the end of business day. I blocked his emails and called XXXX and reported the matter and they said they would contact him and tell him to stop. THIS WAS TOTAL HARRASMENT even AFTER I made payment and worked it out with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have contacted Ally several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RCS Recovery Services, LLC
State: CA

Complaint narrative:
This company stated I recently had a loan balance XXXX that was due and payable, I've never received statement. Why weren't you billing me I am suppose to know if my loan is due and payable. I have not had any correspondence. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
My primary bank, Associated Banc-Corp, has elected to sell several of its XXXX, IL area branches to XXXX XXXX. As a result, they informed me by mail that they would also be transferring my deposit accounts by XX/XX/2020 to XXXX XXXX. I do not wish for my deposit accounts to be transferred to XXXX banks. They do not offer the same quality of services that I have through XXXX XXXX. I have a Mortgage, Direct Deposit, several deposit accounts, and many E-billings setup through XXXX XXXX  and it will cause me a great deal of burden to manage the transition to a new bank. Since the Mortgage will still remain with XXXX XXXX, this also causes undue burden in managing that payment. 

I have contacted XXXX XXXX  to inform them that I do not wish to have my account sold to the XXXX XXXX. They in turn refused to honor my request and informed me that I must create completely new deposit accounts at another branch in order remain with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: PA

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Synovus Bank
State: TN

Complaint narrative:
Synovus Bank XXXX - prior to the XX/XX/XXXX dispute the credit report showed 22 missed payments and acct c/o XX/XX/XXXX. The dispute I submitted was to show verification I never missed a monthly payment. I uploaded the acct payment history from Synovus. I never missed a payment on the acct. I was not aware of the acct matured and c/o until the late reported on the bureau. The scores dropped and I could not refinance the ballon equity line of credit. XX/XX/XXXX, XXXX XXXX, Synovus Recovery Specialist ( office ph : XXXX ) reinstated the loan. I agreed to pay {$280.00} per month and signed the note with Synovus. The acct is reinstated and the bureau reported paid as agreed until XX/XX/XXXX. I am requesting the XX/XX/XXXX charge off be removed and the account to show paid as agreed from XX/XX/XXXX until current. The payment history will show the acct C/O XX/XX/XXXX. I have provided supporting documentation to verify my statement. I disputed the information 2 times with the credit agencies. Result reporting the same. 
I uploaded the XX/XX/XXXX Note ; Payment history ; XXXX/XXXX  XX/XX/XXXX credit report/ Synovus XXXX & XXXX monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
OnXX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these 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