vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am trying to seek the proper date of first delinquency from the reporting on Experian that i am getting from a recent credit account review. You can also see the attached information. 

What is the date of first delinquency on this account? meaning the day/month/year I become 30 days past due and never again did I bring my account back current on NOT DELINQUENT? 

It is my belief that this account should be deleted right now as it has been over 7 years from the date of first delinquency. Please provided detailed account information through this system. 

XXXX XXXX Acct # XXXX This account is inaccurate, date of first delinquencies ; balance, past due, and charge off date are all incorrect. Inaccurate Balance of {$900.00} is being reported as of last month, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in 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 2021-01-15 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: TX

Complaint narrative:
As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and accounts with the physical original contract each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within ten ( 10 ) calendar days. 
COLLECTION/CHARGEOFF NEED TO BE REMOVED BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED MEANING YOU SHOULDN'T BE REPORTING OPE, NO LIMIT, NO PAST AND BALANCEAND PAYMENT STATUS. 

SEE ATTACHED ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
I am writing this because back in XX/XX/2020 I filed disputes with XXXX, XXXX  and Equifax. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
I am writing this because back in XXXX of 2020 I filed disputes with Transunion, XXXX  and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.

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 2021-01-15 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: MI

Complaint narrative:
Equifax has not honored federal law by blocking fraudulent items from my credit profile. I provided a copy of my police report and all additional necessary documents to investigate numerous fraudulent accounts on my credit report. Equifax blocked some and not all and several representatives that I spoke with said two fraudulent accounts : XXXX XXXX and XXXX XXXX XXXX would be blocked within 4 business days and it has been several weeks and now they are saying the accounts have been verified. These account could not be verified because they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Pennymac made multiple mistakes when creating my refinance documents : 1. Repeatedly failing to remove an unwanted escrow account that increased the amount of the loan 2. Listing a family member who should not be on the loan because they are out of the country for the next several years and were never intended or needed as a signer The refinancing process has now exceeded 75 days, and it is impossible to reach a loan agent by voice after more than a dozen phone calls. 

After repeated failures to correct these mistakes and deliver a new electronic version for us to review, we met with the title agent to sign the closing documents today and had to cancel because mistake # 2 above was still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

XXXX - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in 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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.

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 2021-01-15 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: MO

Complaint narrative:
I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX  XX/XX/XXXX {$980.00}. 
Credit Collections Service XX/XX/2020 {$980.00} XXXX XXXX XXXX XXXX, Ma XXXX File number XXXX XXXX XXXX I called On XX/XX/XXXX to discuss this debt which showed up on my credit report without warning. I told them that I was covered under insurance and do not know they did not pay it. I asked for a reduced lump sum amount to pay and get it removed off my credit report. I also asked why this bill was split in half so it was reported as 2 negative acounts having a double impact? I was told no and if not paid in full that it would be reported as a partial payment. I was told that only if I paid in full would it be satisfied and and they would remove it from my credit report but it would take 30-60 days. I paid in full a few days later and waited until XX/XX/2020 and called Credit Collections Services and asked why it wasn't removed? I was told that there is nothing they can do and that once it is reported that they can not change it. I also believe I saw that they left the negative reporting on there for 3 months until XXXX 2020. 
Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I had received notification on my phone from XXXX XXXX that my credit report had a collection account reported in the amount of {$13000.00} by Credit Consulting. I called Credit Consulting to find out what this was and they told me that it was a medical bill from XXXX XXXX and that I would have to talk to XXXX XXXX. I called XXXX XXXX and questioned the collection and told them that I hadn't been to the hospital in years and that the collection isn't mine. The hospital referred me back to Credit Consulting and told me I would have to deal with them because the account had already been turned over to them. When I called Credit Consulting they started asking me for some of my personal information such as my SSN and my DOB in which I was hesitant about giving but I did end up giving them the information. I thought they would help verify that this was not my account. I left the account alone for a while and didn't worry about it anymore. In the later part of the year in 2020 my wife and I wanted to start shopping for a house. When I went to my lender to get preapproved the collection issue came up again. My lender tried to help me get this resolved and we did a 3 way call on XX/XX/2020 ( myself, my lender and credit consulting ) and spoke to XXXX at the collection agency. She advised us to send a fax to XXXX at credit consulting with a brief description of what our conversation was and to also send a copy of my Identification so that they could compare signatures. We never heard back from them. Meanwhile I called them just a couple of days ago to get a status and they told me that I have to file a claim with you and I have to file a police report for identity theft and give them a copy. I do hope I can get this corrected. It has delayed my opportunity to purchase a home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
i have filed a Federal trade commission report against santander because this account if fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

JPMCBCARDSERVICES - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Hello again TD Auto, I am here to kindly ask for a few simple correction on my account. I am not here today to dispute I messed up this account. 

1. Could you be so kind to remove the derogatory from the XXXX  and mark it paid. Account was paid in full 2. Could you be so kind to remove the repossession status in XXXX XXXX and XXXX. The account was closed, you did not lose any money on this transaction, actually sent out to me a very large check. 

3. Can you please remove all comments Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Upon checking my credit report in XXXX, I saw that there was a negative item indicating that I failed to pay {$1000.00} to XXXX Bank XXXX XXXX XXXX XXXX XXXX. I filed a dispute and on approximately XX/XX/XXXX, I received a letter from Potfolio Recovery Associates, LLC. They stated that they had investigated the dispute and based on certain documents that were attached, established the validity of the debt. The documents they attached were a copy of a bill from XXXX XXXX XXXX dated XX/XX/XXXX and a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I had never seen these documents before and in fact, they are addressed to my name but sent to an address to which I have no connection and have never used. So they make a decision that it is me based on a bill and a letter sent to an address that has never been mine. The address is not on my credit report. I have never requested credit from XXXX XXXX XXXX so this is either identity theft or just someone with my same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
experian wont update my score even ater payment

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was a victim of ID theft and my account with BOA was compromised. I was not given information about the reason why my account was closed or what had taken. The account says suspected of Fraud activity and was never determined. 

Closure status date : XX/XX/2019 Original charge off amount : {$280.00} I reached out to BOA to reconcile the situation via mail and never received anything back.

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 2021-01-15 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: TX

Complaint narrative:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole Discover Card, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached Discover Letter dated XX/XX/XXXX is Discovers fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by Discover will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact Discover claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. Discover, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting Discover is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fair Financial Corp.
State: CA

Complaint narrative:
I would never go back on the fair I had so many problems with that company stole {$700.00} from me it was very difficult to go back into the app to pay the car note it was so many errors hit speed bump all the time then try to get insurance with them insurance company told me this car was registered to a business XXXX  XXXX stay away from this company you still like your money or your credit I'm going in for a XXXX page on this almost lost my license for life because the police told me it was no insurance on the car XXXX  told me that I have full coverage insurance on the car that was a lie

Company response to consumer: Closed with explanation