vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
As of today XX/XX/XXXX Santander Consumer USA is still reporting an account on both my credit report and my husband. We feel like we are being harassed by this company. We tried to fix this with both Santander and the Credit Bureaus to delete this negative item from our reports. Santander sold the previous loan to a debt buyer and continues to report negative information against us as if they still own it. Also, this loan was included and discharged in a joint XXXX  XXXX bankruptcy in XX/XX/XXXX. Santander has no record of our social security numbers in their system as if we don't exist, but for whatever reason still manages to remain on our credit report as a charged-off account for something they can't seem to locate in their system. How is this possible or even legal? Please help us with this matter because it is ruining our credit. 

Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: U.S. BANCORP
State: MN

Complaint narrative:
I have documentation from US BANK on an agreed payout amount. I finalized this payment in XXXX and they are still saying I owe {$6100.00} as of XX/XX/2021. I a have the agreed document and a ledger of all my payments. This account XXXX is still active when i go into USbank and its not correct.

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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2021-12-08 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: NJ

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2021-12-08 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I disputed ALL XXXX XXXX charges to my credit card on XX/XX/XXXX and wrote XXXX XXXX a letter terminating all service agreements with them on XX/XX/XXXX when I realized that XXXX XXXX is a fraud and I had been scammed. They never intended to fulfill any of the services I paid for. Chase has yet to credit my account with XXXX of the XXXX charges -- {$5000.00} and {$15000.00}, providing me with phony excuses from the merchant after I disputed the charges continually for FOUR months. I did not receive ANY service nor product from XXXX XXXX and requested refunds of the two highest charges. Today Chase wrote me that it has been too long since the charges were made, so the merchant doesn't have to refund my money. The length of time since the charges were made is Chase 's fault! They have been stalling for FOUR months! I immediately responded to them with an EIGHTH letter rejecting their alleged " resolution. '' The result is that, not only was I scammed by XXXX XXXX and suffered THAT traumatic experience, I am being scammed by my own credit card company who refuses to credit my account for charges for which I never received anything and had canceled. The anxiety and trauma has continued for FOUR and a half months! 

I've attached a full report on Chase, entitled " FTC JP Morgan Chase Report '' and I've attached all the documentation I provided Chase since XX/XX/XXXX proving I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My car was stolen and a deemed a total loss due to theft. My insurance company paid off the car and there was a balance of {$980.00} left in which gap was supposed to cover but did not. So I paid the off the balance in full myself over a few months. I notified them and they agreed to work with me. I kept up my end of the bargain by making sure the loan was paid in FULL. I've written to them twice and asked them to remove the charge off and mark paid in full and close the loan but as of today they have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted XXXX XXXXXXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " Credit Score : XXXX - via TransUnion, XXXX, and XXXX. '' I called Customer Service and they confirmed that they information that they received was from those three credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- XXXX is a XXXX, TransUnion is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.

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 2021-12-08 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: PA

Complaint narrative:
I contacted XXXX XXXX Bank about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " Credit Score : XXXX - via XXXX, Equifax, and XXXX. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- XXXX is a XXXX, XXXX is a XXXX, and Equifax is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to Transunion, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts

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 2021-12-08 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: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On two occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, Equifax and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost XXXX months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I signed up with our mortgage service company Select Portfolio Servicing , Inc. ( SPS ) for what I thought was a forebearance program where they would move missed payments to the end of our mortage. We were approved XX/XX/2021. Several of our missed payments seem to have been moved to the end of our mortgage ( {$32000.00} ). 
But for reasons I don't understand and was not informed of, SPS seems to have stopped moving our missed payments to the end of our loan. Instead we received basicially a balloon payment order from SPS ( XXXX XXXX, 2021 ). In their Repayment Plan we were to pay {$9100.00} over XXXX  months starting in XX/XX/2021. This is a huge payment and way beyond our ability to pay. We are retired and on a relatively fixed income ( I'm XXXX XXXX XXXX, my wife XXXX is XXXX ). 
According to your regulations, due to XXXX, SPS should allow us to " resume regular payments and move any missed payments to the end of the mortgage ''. SPS refuses to do this. What can we do? Do we have any legal recourse or remedy? Can you please help us?. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, www.spsservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX CARD Date of inquiry XX/XX/2021

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 2021-12-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I applied for a credit card that was declined for a prior delinquency that I never knew existed. I sent written communication about my issue, and they just sent the same notification back with no new information, so I filed a complaint. After filing the complaint, I was contacted by a representative who informed me that I had charged off a business credit card account with them. 

It turns out that on the day that I closed my business account in XX/XX/2020, another purchase posted to my account from a XXXX subscription. I could no longer access my online banking at that time because B of A removes it from your login once you close the account, and so I never saw that I had a bill due. I never received a statement in the mail either. So I never knew this charge existed. 

I called the recovery department, who said they could not waive the fees and interest and let me pay off the single charge from XXXX, so I asked ot talk to a specialist. The specialist asked for the business address, and when I gave it to her, she said it was incorrect. So that means B of A had the wrong address on file for the business, which further proves that I could not receive any of these statements. 

On that call after she would not agree I had given the correct address, she goes " one sec ... '' and then transferred me to an international commercial credit rep who had no idea what was going on or how to help me. Basically this woman refused to help me and just sent me down another IVR rabbit hole. HORRIBLE CUSTOMER SERVICE. 

This was a fluke timing issue where they posted a transaction after my account was closed and never told me about it. I just want to pay for that transaction and move on. There is no way I am paying months of interest and fees on a transaction that I never knew about. I have never missed a payment in my entire life on any card from any lender, and you can see that on my credit report that was pulled for my recent card application.

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Was not notified of investigation status or results
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A man called me impersonating a Wells Fargo representative from the XXXX department and stated that in order for me to stop further fraud charges that Id just previously reported he needed to help me stop a XXXX charge and he sent a code to my phone and asked me to verify the code then unfortunately from there he was able to XXXX XXXX out of my account and transfer it to fake account under my name to a bank in XXXX. The person was calling from a number that was appearing to be from a real wells fargo branch so I believed him

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 2021-12-08 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: Ladera Lending, Inc
State: NJ

Complaint narrative:
Ladera Lending run my credit without my permission ; after reaching out to them on XX/XX/2021 asking why they run my credit and now i have a hard inquiry on my credit report and they should remove it. Ladera still haven't remove from my credit report ; there respond was could have been a system malfunction and they're not sure how an email was generate and send over with my rate turn have them to assume i want to start the process again of refinancing my home which was denied back in XXXX of 2021. 

thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them. 
XXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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