vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** _XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX, FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Employment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX   XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are  all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** _XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XX/XX/XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
_XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
_XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to me. Delete it!!!

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 2020-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I was not able to make my bi-weekly payment of {$180.00} this week. I left multiple messages for the company explaining this and that I would have the payment of {$180.00} on XX/XX/2020. I recieved a text messgae at XXXXXXXX from XXXX threatening me to not make him " use his resources ''. He stated in a text later in the day that as a Officer of the Court what about my Ethics. Made multiple referneces to my job making me feel as if it were being threatened. He make continuous references to me buying another vehicle telling me to pay my car payment like I pay my other car payment. I am no longer comfortable having any contact with this man. I informed him that further commuication would be with his boss and he sends me his contact followed by another text in all caps stating that they are in the office waiting for my call. I have never dealt with any type of debt collection practice like this in my life. This is not OK!! XXXX has contacted me from his cell ( XXXX ) XXXX and his office ( XXXX ) XXXX. His boss is XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I closed a mortgage in XX/XX/XXXX and Shellpoint is the servicer, they set up an escrow account and have been collecting monthly for the taxes and insurance. As of XX/XX/XXXXthe escrow balance was {$9300.00}. My XX/XX/XXXX taxes were not paid and I am showing delinquent and there are penalties and interest accruing. When I brought this to there attention they told me to send a letter so they can open an investigation. Since then I have been sent 3 letters and they are claiming that they never set up an escrow account yet they have been collecting almost {$700.00} per month, All the customer service reps seem to be concerned about is trying to set up a meeting with a HUD counselor and don't have any authority to do anything. At this point I want them to return the funds in the escrow account and reimburse me for the penalties and interest. I will pay my own taxes and insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pnc bank wants to charge me a fee or percentage when I make a check deposit in to my personal checking account. They wont make your deposit available right away unless you pay their ( legal mafia fee ) which is {$36.00} overdraft fee. I made a deposit yesterday in to my checking account and I cut a check to my landlord and deposit a check to his account. guess what they processed that check immediately but the other check that I deposited to my checking account wasn't processed right away. Is this fair?? This is not " BANKING ''!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: SC

Complaint narrative:
Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information 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 2020-06-17 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: SC

Complaint narrative:
Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reaching out for assistance with CapitalOne Bank. I called the company in good faith in hopes of making a payment towards the cards I have with them however I asked them to help me in eliminating the lates fees and reducing the high interest that the card has as a result of the current global pandemic. 

Due to the pandemic, I experienced a significant reduction of hours, have yet to be paid by the NYSDOL, and became sick for a period of 17 days with XXXX in which I was not able to work. I explained this to the agents I spoke with, instead they pushed and pushed on getting a payment as opposed to working with me. I reached out to their Executive Offices for assistance and have yet to hear back. And instead of working with me and responding to my inquiries, the bank went ahead and charged off the account damaging my credit. 

We are experiencing a global pandemic and instead of focusing on assisting customers who are sick, some of which are XXXX, the bank is focused on its bottom line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with Santander. 

Santander has a policy not to report on those accounts however Santander will not even release to me that policy in writing. I find this very interesting. 

Santander is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
For more than two years, I have submitted documentation several times to Exuifax with information that substantially proves XXXX XXXX XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX  XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
My complaint is directly with Experian. I have been working tirelessly to improve my credit. Can you explain to me how my credit score lost 30 points after I paid off IN FULL a collections account IC Systems!!! My score should have gone UP 30 POINTS!!! NOT DOWN!! I should clearly be over 600 points on my FICO Score with Experian! Is there anyone else paying off debts in this pandemic!!!! 
Experian is notorious for bullying consumers into low credit scores and using scare tactics to purchase their products to raise scores. You are manipulating my life with this score!!!!

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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX sold a " debt '' to GLA Collections in XXXX. The debt is being reported as being from XXXX. Charges are from XXXX, that coincidentally were not billed to insurance and billed at higher rates than insurance. There are also multiple charges for same services. Also, this provider requires payment every visit in order to be seen. This was paid and the statements event show a XXXX patient balance after last visit. 
A debt validation letter was sent to GLA on XX/XX/XXXX. Delivered XXXX XXXX. Nearly 2 months have passed with no response from GLA validating the " debt '' of {$1600.00}. The drs office admits the " debt is from XX/XX/XXXX and questions why I am disputing it '' when I ask for XXXX XXXX XXXX assistance in the matter. 
GLA has not validated the debt. The drs office admits its from XXXX, but its reported to all 3 credit bureaus from XXXX. This can't be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
XXXX XXXX attended University XXXX XXXX, XXXX, concurrent with his dad XXXX XXXX loosing his job, consequently, a Sallie Mae loan was applied for and XXXX XXXX ( dad ) was co-signer. During XXXX 's last year of college he started have XXXX XXXX and because they became worse his job prospects became limited. Consequently, XXXX XXXX made the payments to Sallie Mae for the next 4 years, on time. Now XXXX XXXX is retiring and wants to be released as co signer, which is allowed after 12 months of regular payments. 
XXXX, whose job prospects are limited has just been laid off of his most recent job and can not make payments to Sallie Mae and both XXXX and XXXX are getting calls and threatening letters about credit scores! XXXX is considered XXXX and has not been able to hold a job long enough when employers find out he has XXXX, they find a way to lay him off, so we want the signer of the loan ( XXXX ) released or payments substantially reduced but Sallie Mae has refused to talk to us and and has been rude and threatening even on the phone. We need help and need Sallie Mae to provide us this service they publish in the event people experience what we have unfortunately experienced. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my CapitalOne SavorOne credit card account in XX/XX/2019. When I applied online, the CapitalOne website offered me a new card member offer which stated : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening Further, it also offered me 0 % APR for 15 months and it stated : 0 % intro APR for 15 months ; 15.49 % - 25.49 % variable APR after that When I got accepted, the website said congratulations you are approved and your card will be delivered. I have not been given the cash bonus after spending {$500.00} within the first three months and I am also being charged interest on my purchases. I have different terms and conditions agreement than what was represented to me when I applied for the credit card. 

I called the company and asked them why do I have different terms and conditions? They said we did not approve you for what was advertised. And I asked them why was I not notified about change in terms and conditions? The guy said we are sorry but we can't do anything now. Its just a small interest amount so pay it otherwise we might report you. 

I have been trying to resolve this issue and one of the CapitalOne customer service agents agreed that this might be false representation on our side. So he opened a case for my complaint. The application department got back to me and said there is nothing we can do, it is above than my powers and we will not accommodate you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/20 I paid {$14.00} for 2 items, & XX/XX/20 an additional item for {$21.00}. 
All for three items of fabric totaling {$49.00}, NEVER shipped, NEVER received. 
Paypal refused to close claim in a fraudulent attempt to freeze & block seller 's intent to issue refunds. I've closed my account because Paypal previously denied me right to remove bank cards, since corrected by this bureau. This abuse by Paypal implies disgruntled retaliation. I've filed disputes with my bank, because as of this filing date I can no longer view this fraud. Paypal stole {$49.00} of non-received merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: IL

Complaint narrative:
When I called the " Check into Cash '' location the person answering the phone stated that I only made 3 payments and I paid the entire balance that I borrowed back I made over 6 to 7 payments. The payments were withdrawn from my checking account. Check into Cash have sold this loan to a Collection Agency in the amount of {$1300.00}. I only borrowed {$1300.00}. I have not heard back from the Collection Agency I tried calling and I can not get straight answers about this account. I never did business with this Collection Agency ( XXXX XXXX XXXX  ). I can not afford to pay this and I can not afford to have them place this on my credit history. These are fair practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I purchased a XXXX XXXX XXXX from credit acceptance. Upon me purchasing the vehicle i was told the final asking price was XXXX. I put XXXX down on this car. A couple of months went past with me making on time payments and i believed my balance would be around 8 thousand give or take, I have saved up enough money to inquire about a pay off. This company told me I must pay at the time XXXX to pay the car off. the amount financed was almost double the final asking price!! the dealership failed to show me that and being young i did not pay much attention to it. why am i paying for interest that was not accrued! I'm paying the loan off early so why must i pay for interest that's years away! The blue book value of this car is XXXX, so not only did i purchase this car more than double of its worth, I'm also liable to pay for interest that is years ahead to pay the car off. There is no prepayment penalty. 

Because I refuse to pay XXXX for a car that is worth XXXX and have XXXX miles on it i decided to buy another car. 

Now since the car has been sitting in my driveway my credit has taken a huge hit. especially due to personal reasonings and this pandemic iam not able to pay both car loans. 

I feel like credit acceptance know that iam young and took advantage of my age, There is no way i should have to pay off forecasted interest to pay the car off now when the life of the loan is still substantial. Also i really needed a car back then and did not know i was paying double the bluebook value, and double the interest.

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 2020-06-17 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: WA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit as well as a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX Santander consumers XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. Tx XXXX account XXXX i know they was in lawsuit any my car loan was in that car lawsuit due to over charge and other things. I want what is due on my credit report. Clean this up. Santander was bad loan decision misjudgment, gaffe, misstep to all who purchased a car in that time. I am one who got BAD DEAL

Company response to consumer: Closed with explanation