vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
the Equifax credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TN

Complaint narrative:
ON XX/XX/18 I CALLED DISCOVER, BECAUSE I SAW THAT THERE WAS A CHARGE ON MY CARD MADE BY A XXXX XXXX MADE ON XX/XX/18 FOR {$5500.00}, I LET THEM KNOW I DID NOT MAKE THIS CHARGE! NOT ONLY WAS I ON HOLD FOR A LONG TIME BUT WHEN THEY THOUGHT I COULD NOT HEAR THEM THEY MADE SOME COMMENTS ABOUT HOW I WOULDNT REMEBER THIS ANYWAY, BUT THEY TOOK MY COMPLAINT, AND CREDITED IT BACK TO ME, BUT THEN AFTER SOME TIME I GOT A LETTER CLAIMING THAT THEY WERE PUTTING IT BACK ON AND THAT NO FRAUD OCCURED. I AM VERY UNHAPPY NOT ONLY WITH HOW RUDE THEY WERE BUT THAT THEY THEN DID THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: IL

Complaint narrative:
the transunion credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.

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 2018-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.

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 2018-10-25 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 — Card was charged for something you did not purchase with the card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Same one use my informatin my bank card and send money true money gram {$980.00} on XX/XX/XXXX was posted on my bank account the transaccion is a fraudulent i dont recognize the transaccion my identity was stolen. All my information was stolen name email address and everything. I call money gram they tall me the cant give me any information about the transaccion i also went to my bank institution and the tell me the will help me and open a fraud investigation. I want to report to help police to arrest the people who commit crimes with money fraud abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have XXXX escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX  started sending out notices with the original note information then corrected the loan in XXXX of XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and Shellpoint became the new loan service company. Shellpoint assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now shell point has stated that I had made 4 payments and that BAC had not been compliant. Shell point has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: VA

Complaint narrative:
They have refused to supply me with the following information to validate a public record on my credit report, such as : I sent your company my dispute on multiple occasions, the last being XX/XX/2018, which you received and investigated on. I have reason to believe that you did not do a thorough investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor ( Not a third party ) 2. The contact information for the creditor ( Not a third party ) 3. The name of the person who verified the item to you ( Not a third party ) 4. The method of communication you used to verify this information ( Not a third party ) 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. My signature and what type of documented consent that the credit furnisher has that I gave them to release my information to 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 2018-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I obtained a loan from Santander in XX/XX/XXXX. In XXXX of XXXX I became unable to work due to Medical issues. Santander has known about this for nearly a year, and My spouse who is also on the loan is the only one currently employed ; and has been at her employer for 3 yrs. We began to struggle with our monthly payments of {$540.00} on the loan. I have contacted Santander numerous times trying to find a way to get this current and even asked about a refinance ; Santander said they do not refinance their own loans. It is destroying my credit and causing more and more fees to be added to my loan amount. I contacted Santander again on XX/XX/XXXX and asked about a deferment or any type of help to try and bring the account current. I was informed they would NOT assist in any way, and that I must bring my account current and keep it current. This loan is a predatory loan and Santander needs to stop preying on those who are less than fortunate. I explained to Santander that I am currently looking for new employment ; but regardless, there is still an employed person who is listed on the loan ; in fact, my Spouse is listed as the Primary on the loan. We are being forced to continue to go deeper and deeper in debt with this company, and they are unwilling to offer any help ; in hopes to repossess the vehicle and keep us hanging for the balance. This loan is for a XXXX XXXX XXXX XXXX. Santander even sent a letter saying to call them and they may be able to help get the account current ; However, they are only concerned about us bringing the account current by FULL PAYMENT of the  past due amount, not by any assistance they are willing to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed with XXXX  TransUnion XXXX and XXXX to remove the unverified Bankruptcy and accounts attached to the Bankruptcy. XXXX has deleted the Bankruptcy from my report but XXXX TransUnion and XXXX has not. I have sent 3 Dispute letters asking them to validate with original files and they have upgraded my report with it has been validated.

I sent 3 rounds of letters asking them to delete the inaccurate information from my credit report being Bankruptcy and attached accounts. 

account numbers TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have received '0 % APR introductory rate ' offers from this company at a frequency of 2-3 times a month for the past year of so. In XX/XX/XXXX I foolishly accepted the best offer I had received from them to date, against my better judgement ( based on online reviews of the company and it's practices ). The offer was for a 0 % APR until XX/XX/XXXX, and seemed too good to be true, but, as my fiance and I were planning our wedding, having access to extra credit was a godsend. The wedding was in XX/XX/XXXX, and we were lucky enough to receive financial support from our parents, meaning that I had the cash needed to pay off the card in full sitting in my savings account, but did not, as the contract I signed meant that the balance should not incur interest until XX/XX/XXXX. 
In XXXX, I checked my statement and found that they had been charging me interest at 24.74 % for the months of XXXX and XXXX resulting in a total of {$110.00} in interest charges. As soon as I noticed this, I requested the company send me the original terms and conditions using their online portal, however, the document I received was the *current* interest rate. To sort this out, I called their customer service line on XX/XX/XXXX. After waiting on hold, I was told that they only offer promotional rates for 6 or 9 months, and so I " must have signed up for 9 months ''. I said that I am certain the offer was for longer than that, because I meticulously keep track of my finances, and a quick perusal of my accounts would show as much. Because the customer service representative started getting very cagey, I requested to speak to his supervisor. After waiting on hold for over 20 minutes while she supposedly read through my contract, she came back with the same " we only offer promotional rates for 6 to 9 months, so you would have to fax us your original agreement ''. I got the fax number from her and proceeded to request that she email me a copy of the *original* document she was reading through, as it is not possible to do so via their portal. She assured me she would email it to me, but did not take my email address. When I then stated that I plan to disputing these interest charges because they had failed to inform me of the increase in interest rates within the 45 days stipulated in the Credit Card Accountability Responsibility and Disclosure act of XXXX ( Title I, Sec.101 ), she hung up on me. 
I have copies of my statements which show that in addition to not sending me any advance notice, the " Account notifications '' portion of the statement where they state " Welcome to your account notifications. Check back here each month for important updates to your account '', did not contain any notifications of this interest change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have not been able to access my account. 
My account has been blocked from the day it was opened and I didn't know this. 
on XX/XX/2018, I called customer service and no one was able to tell me why my account was blocked. they said they'd get back to me but never did. 
on Tuesday, I went to the XXXX branch and the manager called customer service but they were not able to tell him why the account was blocked. 
On Thursday XX/XX/2018 the lady who spoke to me was very rude and she hung up on me when she couldn't tell me why my account was blocked. Her name is XXXX XXXX. 
I called back and the second lady couldn't tell me why my account was blocked either, she only said she would connect me to the branch manager,  XXXX XXXX, who happened to be very unprofessional. 
My account was blocked for no reason at all, apparently someone from the branch blocked my account, I think it was the branch manager for no reason. She is very XXXX and spiteful. 
This has been very inconveniencing for me. I can not use my money. I am livid and Citibank is known for this. 
.

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 2018-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of Equifax recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Was in a bk-XXXX, was only 2 months behind, faxed in modification since XX/XX/2018, see just some of proof, XXXX get paid thru VA for going to school if full time at least {$1000.00} per month, he goes more so is more money and one month VA double up, will not ad up to XXXX per month have faxed and explained for 3 months and keep getting the same excuse asking for proof of deposit for XXXX!!!!! Are different amounts on the bank statements, have sent in proof of letter, etc and Carrington still keeps asking for same paperwork! WORST BANK AND UNDERWRITING CAN NOT READ! If not accepting they should say not using so now have to take off and use his staffing job since he started in XX/XX/2018. As a veteran, this shouldnt happent to me or anywone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Westlake Services, LLC
State: MI

Complaint narrative:
I had a loan with Westlake Financial that was paid off at the end of 2016 when I refinanced my home and paid off all my debt. Westlake paid the loan but reported the title company that sent the check to the DMV in California as the new lien holder. The title was never cleared for me and nothing was ever sent to me. I called Westlake to help and they have refused to correct the matter. My title company even got involved to ask if they will correct it and they hung up on us. All of these calls are most likely recorded and should be there for review. The DMV said the title company could write a letter explaining what happened and we did but I am still unable to get the clean title. I have no way of doing anything with my car because of this and the company that caused the problem is refusing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inquires are showing up my account that I never signed up for or applied for. I wrote Transuion, XXXX and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXXXX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry :XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2018-10-25 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: MD

Complaint narrative:
Equifax would not remove a bankruptcy for my credit report which is not mine

Company response to consumer: Closed with explanation