vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have a closed account with Santander from XXXX. Im in the process of purchasing a home so I had been reviewing my credit report. On XX/XX/XXXX I noticed there was a late pay charge from XXXX that was incorrect from Santander, so I submitted a dispute online to have the late pay charge investigated and removed. Instead of investigating the late pay charge, Santander changed the status of my account with all three credit bureaus from paid as agreed to charge off. I made my last payment to Santander XX/XX/XXXX, how could my account have been in paid as agreed status for 4 years and all of a sudden its changed to charge off because I disputed a late pay charge from 5 years ago. No one in the Executive Office is able to explain to me why my closed account was recently updated to Charge Off after 4 years??? It seems like this is retaliation against me for disputing the late pay charge and possibly being solicited for the ongoing lawsuit against Santander. I feel Im being extremely mistreated and would like someone to look into this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I entered XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX, where I was looking to purchase tires for my XXXX XXXX XXXX. XXXX XXXX serviced the car and told me I could finance the tires on a 0 % interest loan for {$50.00} or so eveXXXX XXXX weeks until it was paid off. All I had to do was physically go around the counter and type in my bank info. That should have set off some red flags right there but they seemed trusting. Without giving me anything to read or to sign, they set me up on a payment plan where they took a total of {$320.00} over 4 months. After a while of this, it seemed like it should be close to having the tires paid off. So after contacting my bank, finding out who was charging me, and getting in contact with them, I learned this. 

That XXXX XXXX did not set me up on an interest-free loan but instead, they set up an account in my name with this shady payday-loan-esc like a company called Acima.  And instead of a loan, it was a shady lease to own, with, if you do the math, an ungodly interest rate. The total lease would have totaled {$1400.00} which is more than double the cost of the tires. Even more, the signature at the bottom of the lease agreement they provided me is not even in my handwriting! 

After confronting XXXX XXXX on the matter, around XXXX, the only thing they said they would do is remove the tires if I purchased new ones. They were not willing to refund me or resolve the situation in any way, so I left empty-handed. 

Even after returning the tires to Acima and filing a police report for the fraudulent and misrepresented purchase. Acima still will not refund me, even more socking is they are asking for the taxies for {$1400.00}. So now I am out of the tires, the {$320.00} they took directly out of my account plus they want me to pay an additional {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NJ

Complaint narrative:
On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. Equfax provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with Experian. For Experian, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is claiming a XXXX  credit card account in my name has been closed, when in fact it was my deceased cousins account that was closed, I have {$27000.00} of credit for MYcard. My bank XXXX  has verified this! They told is transunion miss information alternately hold my credit score DOWN!

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 2020-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX  XXXX  and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted Navient ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact Navient. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for Navient to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to Navient compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact Navient regarding my concerns. XXXX provided the same recommendation but I was informed to contact Navient and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and Navient. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed a Hard Inquiry for a Business Loan on my Experian credit report that I did not recognize : XXXX XXXX XXXX XXXX XXXX The address for the organization is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I called the number referenced on the Inquiry and it was disconnected. 
I checked online and there appear to be other people that have had the same thing happen : https : XXXX I have not applied for any Federal assistance or any kind of loan. 
The date of the inquiry was XX/XX/2020 2020

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Around XXXX I agreed to pay a fee to enroll in a payment program, which decreased my monthly payments to XXXX from XXXX a month. Before the pandemic hit I was already set up for automatic payments by them thru their program. They took out payments with no issues. I called them on XX/XX/XXXX to find out why my payment was not made b/c the funds were there but I did not get answer. A few weeks later on XX/XX/XXXX, I get phone call from them saying that my account was delinquent. I immediately asked how? She then went on to say I asked for assistant. That's when I made it very clear NO I did not. If I wanted assistance I would have applied on line. The rep. then went on to say that I called and cancelled. AGAIN NO I DIDN'T. I then asked her to show me evidence that I called and cancelled. My phone records ( 4minutes ) will show where I called on XX/XX/XXXX but got no answer. I noticed a lot of charges that are repeating on my account along with accrued interest rates that are accumulating that I DID NOT make. I strongly believe that the way they have the statements printed is FRAUD. I was not getting paper bills, so I looked at my account online. Keeping up with Balance. That's when I realized XXXX dollars been debited from my account since 2018. Because I frequent XXXX that's local and they has it listed as if I drove 900 miles to XXXX. Big RED FLAG. It's definitely not identity theft, this is controlled from inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: MS

Complaint narrative:
I am trying to get my correct Date of Birth ( DOB ) updated on my Equifax Credit Report. 
The erroneous Date of Birth ( DOB ) currently being reported isXX/XX/XXXX but my correct DOB should be XX/XX/XXXX. I used the MYEQUIFAX website twice to dispute my DOB. I attached my Mississippi State Drivers license ( See attached XXXX XXXX ID ) ; but the dispute still come back asking for my Drivers License or Birth Certificate ( See attached DISPUTE RESULTS ). Apparently my Drivers License is being over looked by the Equifax dispute investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}

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 2020-06-08 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: CA

Complaint narrative:
I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-06-08 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: CA

Complaint narrative:
I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX XXXX in a formal letter Shellpoint Mortgage stated that they were aware that they should report my payments to the Consumer Reporting Agencies. The company still refuses to report my payments to the credit bureau. After I requested that my payments were not being reported they sent letters to accelerate my payments. I am current on my payments as of today XX/XX/2020 and have sent numerous emails with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: ID Analytics, Inc.
State: AZ

Complaint narrative:
SageStream , LLC reported a credit score of XXXX when i know it is XXXX i asked for a copy of my credit report on XX/XX/2020 in order to correct them. i still have not received it. i sent a copy of my valid drivers license when i filled out their forms. i was not sure i should send my drivers license but it was better than the rest of the information they wanted. i now believe that they are a fraudulent company with the intention of performing frauds with the information i supplied. they again supplied the company i requested credit with on or about XXXX i will enclose the documentation concerning it if i am able. it is in PDF form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
In XX/XX/2018, I took out a payday loan at Easy Money in the amount of {$500.00}. As soon as I received my paycheck, I repaid the loan in full with interest for the amount of {$580.00}. My bank account was debited twice for the amount of {$1100.00}. I tried to contact the corporate office for Easy Money with no success. I tried contacting the manager at the store, still no help. I also reached out to the XXXX XXXX XXXX. Nothing I did worked. I still have this negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAFCO Finance
State: WA

Complaint narrative:
I have been doing all I can to pay on my truck. Since XXXX it has gotten worse with paying my payments. Threats of repossession and the like. 
Income tax return I paid a large amount. Stimulus check I paid more. I even got a loan from my retirement to make payments. Then they told me again they was going to repossess. They gave me an amount that would pay off the truck. I have it in a text message from Nafco on my phone. I got the amount they wanted. XXXX. Email today says that I still need XXXX more. They received the big check which was a certified check from the bank. By paying off my truck i want to be done with the harassment. I do not trust Nafco Finance. At all

Company response to consumer: Closed with explanation