vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I previously opened an installment loan with Sofi ; that was paid off. Sofi then proceeded to add an investment and checking account to my profile.I did not ask for these accounts. As a result, my tax filings are much more complicated. My accountant is charging me a higher amount of money to complete filings. 

I need Sofi to close these accounts and reimburse me for the extra costs I have incurred for accounts I did NOT authorize to be opened. 

CLOSE my accounts. I am DONE with my business with you and I was DONE when I paid off my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I open a Credit Card with Bank of America in XXXX. I paid the Debt in  XXXX and closed the account but it is still showing as a delinquency on 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 2019-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I got a loan in the amount of {$2100.00}. It is now XX/XX/XXXX and decided to login into my account to see how much principal was left on the loan and its {$2100.00}. Only {$57.00} paid to principal in the last year. Ive made all my payments on time, {$58.00} every 2 weeks. Something can not be right with this loan. I feel as though Ive been getting robbed for the past year. I do not understand. 

My fianc has a loan with NetCredit as well within the same timeframe. In XX/XX/XXXX, loan amount {$3000.00}, now in XX/XX/XXXX, principal is only down to {$2900.00}. Her payments are {$78.00} every 2 weeks, never missed a payment. 

Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am having difficulty getting Equifax to change my name on my account. I am a XXXX  man and I have legally changed my first and middle names. After my legal name change, I updated my name with my lenders ( e.g. mortgage company and student loan ). XXXX  and XXXX   updated my accounts accurately. Equifax made an error that made it look like I had no credit history. I spent several hours on the phone with them in 2018 trying to fix the error. Each person I talked to gave me different information about how to fix it. I followed all of their directions and submitted a dispute and mailed in all required documents. I know they received these documents because they confirmed on the phone to me that they have had my name change information since XX/XX/2018. I understood the problem to be fixed, but then this week I was denied a car loan because my name on my ID does not match my name on my Equifax report. I have spent several hours on the phone with them and again have received different advice from each person I talked with. Once person told me that the problem was that I still had my old name on an existing account, but the next person I talked with confirmed that this is not the case and my name is updated on all current accounts. Another person told me that she had fixed the problem and told me I would receive an email confirmation. My old name still appears on myequifax.com and I have not received an email. If this does not get fixed in the next couple of days I will lose my car. I understand that they have 30 days to correct any information. Their position is that they should have 30 days from yesterday when I contacted them with this information again. However, by their own admission they have already had this information for 638 days. I want to give them the benefit of the doubt that this is a bad clerical issue and not an lack of competency in working with trans people. However, when I asked a supervisor about it she acknowledged that they have had no formal training or guidance on working with trans people and she seemed to be confused when I expressed frustration at how often I was addressed as Ma'am by Equifax employees while trying to get this addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX  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 2019-10-02 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: GA

Complaint narrative:
I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX 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 non-monetary relief
Consumer complaint received 2019-10-02 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: NH

Complaint narrative:
Equifax ; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: NH

Complaint narrative:
XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2019-10-02 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: NH

Complaint narrative:
XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I applied for a {$160000.00} loan to refinance my home and payoff some bills. Loandepot XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, was the lender. Loan # XXXX, I closed on XX/XX/2019. I sent a e-mail on XX/XX/2019 to the lender stating that I wish to cancel my loan application, I also sent the Notice o Right to Cancel, on XX/XX/2019 by US Postal mail, and had tracking number to tell me when it is received. The letter was delivered before the mid night deadline. But the company claim that it did not receive the e-mail or the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GA

Complaint narrative:
Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TN

Complaint narrative:
This debt was for work done for a company I no longer work for. The company is responsible for any outstanding debt. I have no financial obligation for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I'm unable to get in contact with SageStream via phone call as i'm rerouted to the automatic voicemail system and properly ignored every time. Their voicemail service says that they would give me a call back within 1 business day, but i have already left 4 messages and waited 2 weeks with no reply. Another option is to contact them via " secure fax '' or by mail, but looking further on their website at ( https : //www.sagestreamllc.com/consumer-report/ ), they want a photo copy of my State ID, which is NOT required by all 3 major credit reporting agencies like XXXX, XXXX, and XXXX, including XXXX. Additionally, if anything on my State Issued ID is different than what they have on file, say a change in address, they REQUIRE further verification information of my name, address, phone number, birthday, AND social security information by sending them a copy of very sensitive personnel information. They want an actual photo copy of my Social Security card, U.S Passport ( picture page ), Alien Registration card, or my Military Identification card ( front and back ). Again, this is NOT required by the major credit reporting agencies like XXXX, XXXX, XXXX, or XXXX. Which leaves me wondering if this is a SCAM. Another way for predatory companies to siphon off even more private information, information that no one has ever asked of me before, other than State and Federal government for official use, NOT private companies. Not to mention, I don't believe it is legal to make copies of or to reproduce government issued ID of any kind ( especially social security cards and passports ) and be given to anyone period. Unless I'm wrong here, no private company should request any of this for " verification purposes ''. Something smells fishy ... Makes me want to get XXXX ... but wait ... upon further research online, this is what i found : " Sage Stream '' Credit reporting - Owned by and gets information from " ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. 

Basically what should be of concern to people, is the very fact that a company that sells it's product use to users by installing such software on their computer for security purposes, has the ability to use their software to read and analyze your habits, your page visits, your completed purchases, etc. 

This information may indeed allow mischief on their part, in order to gain new customers for their XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream, all of the above in which is owned by " XXXX XXXX ''. 

XXXX : XXXX YOU FRAUDS, HOW ARE YOU LEGAL??!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a medical bill with XXXX XXXX, they sent me to collections thru XXXX back in XXXX for the amount of {$570.00}. This year XXXX this item was sold to XXXX XXXX and they reported me again as a new debt which affected me greatly on my credit report. I created a dispute with Experian asking to remove this item because the same debt was reported twice, the first time n XXXX and the second time in XXXX, they sent the requrest to XXXX XXXX and they denied it. I think this is illegal to report the same debt and start over again so which means that the original medical bill will stay on my report for another 7 years that would be a total of 14 years. Please advice.

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 2019-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, XXXX, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2019-10-02 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: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
over 3 years ago my sons private student loan fell into collections with citizens bank. he set up his account and has made every single payment every single month to the bank. he found out about a month ago that citizens bank screwed up and never filed the proper paperwork to the credit bureau when his loan transferred. The reason he found out was because he got hit with a negative XXXX on his account a month ago ( over 3 years after the loan was active ), and it shows citizens bank as the culprit but no information as to why. The credit bureau also has NO history of his payments being made over that time. Since then he has filed multiple complaints and has tried to contact the bank directly. He spoke to XXXX from the chairmans office ( XXXX ) over three weeks ago, and she told him " we have no idea what happened ''. XXXX verified all my sons information and verified he has made all payments on time and that his account hasnt been changed, so they are unsure what happened. Since that conversation my son has tried to contact her back multiple times for updates, but all of his phone calls are ignored, and XXXX refuses to answer his voicemails and call him back. My issue now, is that last week I received a notification that my credit score dropped. Upon investigation it now appears MY credit has dropped 37 points for no reason - it just says " citizen bank ''. We have not made any changes to citizens bank, they have officially screwed up my sons account and now it has impacted us both. They NEED to stop dragging their feet and fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I purchased a XXXX XXXX XXXX, through Santander Consumer USA In XXXX it was in an accident which was a total loss, my Insurance paid their portion and there was a balance left which I had Gap insurance to cover the rest of balance.But Santander Consumer USA didnt file a claim and they put a charge off on my credit report and will take it off I have talked to them over and over about it and Ive deputed it They also sold the account to XXXX XXXX XXXX which they gave a settlement to pay it off, But Santander still have it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-10-02 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: GA

Complaint narrative:
Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. 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