vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
XX/XX/XXXX I submitted information to SPS ( Select Portfolio Servicing ) that my property had over paid XXXX XXXX XXXX for the following years : XXXX {$960.00}, XXXX - XXXX, & XXXX - XXXX. 

I requested that they send me a letter stating the following so that I could submit to the XXXX XXXX XXXX office for a refund. 

Please provide a complete copy of all XXXX XXXX History on my account. XXXX XXXX has overcharged my property because the XXXX XXXX deduction was not applied. 

Because ( SPS ) my mortgage company paid my taxes, the XXXX and XXXX XXXX Collector is requesting verification of payments. The letter must be on your letterhead and contain the following information : The letter must be on your letterhead and contain the following information : Homeowners Name : Property Address, Property Tax Account Number, Mortgage Company Account, Amount of XXXX XXXX Taxes Paid Year : XXXX, XXXX, and XXXX Physical Mailing Address of ( SPS ) Mortgage Company : ________ I contacted ( SPS ) XX/XX/XXXX, and they said they never received an over payment check for my escrow account. They requested I contact XXXX Taxes to request the USPS tracking number. On XX/XX/XXXX I contacted ( SPS ) provided them the XXXX XXXX Check #, the Amount {$2800.00}, again, and the USPS Tracking number. Once I provided this information, on Friday, XX/XX/XXXX, ( SPS ) said they had received the check, but XXXX XXXX Tax office did not include what account it should be applied to. Therefore, they were sending a letter to XXXX XXXX requesting additional information. I could not understand their rationale because I had provided ( SPS ) all the information pertaining to my mortgage account and that the refund amount that was coming. So, I contacted XXXX XXXX Tax office and they informed me that the check had all the proper attachments and apparently the ( SPS ) separated the information upon receiving it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: CT

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: CT

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 explanation
Consumer complaint received 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-11-28 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: MN

Complaint narrative:
I got a notice on my XXXX XXXX  on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/2020 I transferred {$10000.00} from my XXXX XX/XX/XXXX XXXX XXXX XXXX savings account which in an online bank to my Huntington checking account In XX/XX/XXXX I received an email from huntington that transfer was denied after the funds were taking out of my account and would be returned in 3 business days On XX/XX/XXXX I went to the Huntington branch they wanted proof that the funds and the account that it came from belonged to both which were provided then I was told it would be another 3 days before the funds were returned XX/XX/XXXX I went back to the Huntington branch said that they though the funds were from a small business loan which they werent and they would be return in 3 business days XX/XX/XXXX I received a letter from Huntington bank saying to contact the XXXX XX/XX/XXXX since they were initiating bank XX/XX/XXXX I reached out to XX/XX/XXXXXXXX since they are an online institution I cant go in but they said since the transfer was done in the Huntington app Huntington is the initiating bank not bankcorp bank XX/XX/XXXX I received an email fromXX/XX/XXXX XXXXXX/XX/XXXX stating no error and they still with their decision to return or track or my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I received a letter about an alleged debt in XXXX stating that I owed them an amount for of {$400.00} for the last payment of the vehicle and received another notice a few days letter telling me I owe an additional {$2000.00} for the wear and tear of the vehicle. I sent over a verification letter to find out more information about this alleged debt in XXXX, and never received anything other than a bill/statement telling me how much I owe. I then sent over a letter letting them know the multiple violations they have commited towards me pursuant to 15 USC 1692 on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive ANY communication from them letting me know how they are going to rectify how they have violated my consumer rights blatantly.

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 2020-11-28 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-11-28 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-11-28 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: TX

Complaint narrative:
I have sent XX/XX/XXXX and TransUnion requests about this collection being reported to see if this is even an actual true debt I owe, neither TransUnion nor XX/XX/XXXXhave sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XX/XX/XXXX has removed this account from my report because they were not able to substantiate this account, so I am curious how TransUnion is able to? Additionally, TransUnion is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown TransUnion their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.

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 2020-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im a victim of idenity theft by a family member which im currently seeking legal action

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 2020-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
This loan originated on XXXX with Exeter Finance Corp . I called numerous times over the course of the loan, checking what the payoff to see that monies were being applied to principal. It seemed no matter how much I paid the principal didn't go down. I did fall behind and have to put a few payments at the end of my loan. I also double paid some months. I requested copies of their records indicating how my payemnts were being applied and never got them. There is no local branch and their business is in Texas, while I am on the east coast. Really nothing I could do. XXXX XXXX  I still owed money on the vehicle which I didn't feel I owed and records were never sent to me. I reached a settlement and paid that now company is telling me some outside agency has my title and they have no way of getting ahold of them. Every person I talk to gives me a different expectation. I know this loan was predatory to begin with and when I was trying to settle it and just getting it over and done with, I was told by the person who took my payment that they in reality could up the charge to what market value was on my vehicle since it has less than 100k miles before releasing the title. There has to be some way to stop their bad practice. This loan has been paid off and is well over 2 years past the maturity date and still I have no title to this vehicle. Had I not moved out of state and required the title I never would have known. This prompted me to check my credit report and they apparently charged it off as bad debt. Absolutely criminal in my eyes. I know they are not allowed to loan money in a few state due to their bad practices. It seems they know people will pay to try to salvage their credit and reclaim their legal documents for the property they own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My auto finance loan was set up for auto pay. The last payment of my loan was never automatically taken and I had no idea. I had bought a home in XX/XX/2108 and I had moved from my apartment. My address was never updated. I never received a letter from TD Auto Finance that I was missing my very last payment of a 6 yr loan that I had paid monthly on-time, every time. I assumed the car loan was paid off. Around XXXX I received some vague phone calls from TD autofinance asking me for my information to confirm who I was. At first I was skeptical as I had no idea what they were calling about because they refused to give me any information and I thought the call was someone trying to obtain my personal information. I then logged into my TD bank account and realized I still had a balance which I didn't know why. I finally called the TD Bank phone number back and was told that since my payment was for less than my monthly payment, the Auto Payment wouldn't go automatically. I paid the balance on the phone that day and thought everything was ok. I recently applied for a credit card and was denied due to my credit report. I obtained my credit report and it states that I have bad credit due to this incident with TD Bank Auto Finance. I am unsure why this wasn't cleared. To date I still do not have any letter or email notifying me of my payment being overdue or the threat of this ruining my credit score. I am very upset since my credit has always been relatively VERY GOOD and this error was not entirely my fault. Shouldn't I be notified via email or at least within 30 days by phone of this issue and not 90 days later? What is TD Bank 's gain for not clearing this? I can't even login to their account for additional information because they closed my account since my loan is done.

Company response to consumer: Closed with explanation