vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SAntander USA has inaccurately reported information on my credit report for account information that I have no knowledge of. Per 15 U.S code 1692f, The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Santander is reporting information that is a direct violation of the law. I was not properly notified of ANY balances with Santander or the reporting ofany items. Additionally, I am a victim of predatory car loan lending for subprime consumers. Santander violated consumer protection laws by exposing subprime consumers by knowingly and intentionally financing auto loans with a high probability of default, charged excessive fees that were not detailed in the note and charged for payments and violated. Santander is obligated to provide detailed information regarding any negative accounts before reporting which they failed to do. Santander has failed to my request regarding documented proof that I was notified of any remaining balances or a charge off. This debt does NOT belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on or aboutXX/XX/2020 there was an agreement with chase card service card # XXXX the agreement was if i pay XXXX that they would canceled the debt i flie a disput withall the agencie XXXX  report that there reivesigation was compeled XXXXyou find the reaslt as update and not remove from the pettition experian credit report file.. here is the fact once a cerditor cancel a debt or wrritten it off a debt. the debt is to be remove because you are not laible for the debt. when a creditor is unable to collect the debt from me they may cancel it or writer it off. which in fact that what chase card servcie did they charge the debt off.,. now you are no long liable to repay the debt, but iam still Laible for  to paying tax on that cancelled. chase card serivce can not have both way. they are going to writer the debt as a bad debt and report to the IRS. to get credit on there belance sheet at the end of the year. i would have to report that 1099-c on my persaonl income tax retrun 1040 at the end of the year.went i file. i mail XXXX  credit report agencie and all the credit agence of the agreement with a copy of check as evidence .chase cash the check. and the debt was cancel and that was for chase to remove or erase, from the credit flie because no long Liable. for the debt any more.. then XXXX  needed to remove it from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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: TN

Complaint narrative:
I have reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I bank with PNC Bank they will not connect to third-party applications such as XXXX, XXXX and XXXX. For myself and many others these applications are less lines which help to avoid overdraft fees manage finances invest and many other helpful tools. I have spoken with these different apps and PNC multiple times to try and restore some sort of connection because linking my checking account to these apps is absolutely necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Conn's, Inc.
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
**This is my 3rd complaint filed against Ford Motor credit in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. XXXX My account with Ford Motor Credit, XXXX, was closed and paid in full 4 years ago. For years Ford Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that Ford Motor has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on XXXX. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID, and when I disputed it with XXXX, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have 2 letters from 2 people at Ford guaranteeing this was taken care of. And here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-05-29 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: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries XXXX 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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX, US DEP ED, USDOE/XXXX. 
Company Inquiries XXXX XXXX XXXX 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 2020-05-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2020 my husband I booked a trip for XX/XX/2020 with XXXX. We paid for this trip with my Citibank credit card. In XXXX XXXX cancelled our trip due to Covid-19 and told us to contact our credit card company for a refund. XXXX also closed down there business as well. I immediately filed a dispute with Citibank for over {$4000.00}. I sent Citibank all the documentation from XXXX cancelling the trip and also there policy on cancellation. I also sent the XXXX  report and news reports of the company abruptly closing. I have received a partial refund from Citibank for {$240.00} and was advised {$4600.00} was still pending awaiting on XXXX to respond. I just received notification from Citibank that for the {$4600.00} they have sided with the merchant and will not be refunding me the money. I need help! If our trip was cancelled by the booking agency and the resort doesnt have a record of it because they are closed as well how can they keep our money. Also how can Citibank refund monies for the exact same trip and company for the smaller amounts but not the large amount were we paid the remaining balance. The information I sent on the disputes were all the same and for the same trip. Please help!

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 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I made a payment on XX/XX/2020 to pay the balance in full. I received a confirmation email advising that I paid the balance in full and they still charged me {$56.00} on XX/XX/2020, In which they told me I had to pay this amount even though my account was already paid in full. 
I overpaid and now they refuse to issue my refund, even though I have an email from them confirming that I paid my balance in full on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Meritize Financial Inc.
State: PA

Complaint narrative:
Im trying to pay my student loans and I can not get on my Account or bank to change my account to pay anything. Its is ruining my credit because I end up being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. Carrington Mortgage Company a service provider for XXXX   XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life,  and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
**This is my 3rd complaint filed against XXXX XXXX XXXX in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. ** My account with XXXX XXXX XXXX, XXXX, was closed and paid in full 4 years ago. For years XXXX Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that XXXX XXXX has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on Equifax. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID,  and when I disputed it with Equifax, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have XXXX letters from XXXX people at XXXX guaranteeing this was taken care of. And here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: CA

Complaint narrative:
Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brown Olcott, PLLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX never provided an invoice for HOA fees. I requested that they send me an invoice, they never did. Instead they put me into collections. After my answer to the court the collection company sent me an invoice from the HOA which I paid and the check cleared. The collections put a lien on my home and then demanded {$2500.00} in money.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-29 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: OH

Complaint narrative:
XXXX, Equifax, and XXXX  all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was accepted into a forbearance plan on XX/XX/2020 due to the COVID19 crisis. After 30 days I was able to pay in full for XXXX and was current. XXXX XXXX  XXXX a service provider for XXXX XXXX XXXX incorrectly posted that I was 36 days late for XXXX payment even though they stated on a signed document stating they would not report a late status while in forbearance. I had a XXXX credit score going into forbearance had never missing a payment in my life, and yet after an approved agreement stating they wouldn't submit derogatory information, they still destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following account are unknown unverified accounts : 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