vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. XXXX initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.

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 2020-01-08 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: UT

Complaint narrative:
XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX  XXXX  for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX XXXX  XXXX  for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.

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 2020-01-08 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: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: UT

Complaint narrative:
XXXX is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit 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 explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit 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 explanation
Consumer complaint received 2020-01-08 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: Westlake Services, LLC
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my 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 2020-01-08 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have  refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XXXX, XXXX, 2019 i was told that they have 30 days to responded but they have not responded to everything

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XXXX, XXXX, 2019 i was told that they have 30 days to responded but they have not responded to everything

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 2020-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, on Wednesday, XX/XX/XXXX, XXXX XXXX ( ET ) I sent an email to XXXX XXXX about charges on my Victoria Secret Credit Card for a Debt Cancellation program that I didn't sign up for. I was instructed to contact the 800 customer care number and cancel the account. I made contact with a rep and was told everything was cancelled. I also unrolled online aswell. I followed up a few months later noticed i was still being charged and I started sending emails. 
I was told the account was enrolled from XX/XX/XXXX, through XXXX XXXX, XXXX totally of {$100.00} over the course of a year. 
XXXX is the Rep I spoke with. 
The emails were all sent to Comenity Bank which oversees the VS account XXXX. 
Message ID : XXXX Another message was Sent : Thursday, XX/XX/XXXX, XXXX XXXX  ( ET ) Subject : Re : XXXX XXXX XXXX XXXX Message ID : XXXX I was given this confirmation number XXXX stating the full refund of {$100.00} would be processed, and it would take 7 days to get this completed. 
IS THE CONFIRMATION NUMBER THAT WAS GIVEN TO ME I WAS TOLD SHE WOULD PUT IN THE REQUEST FOR A FULL REFUND AND IT WASNT DONE. SHE TOLD ME SHE COULD ONLY REFUND ME 6 MONTHS REFUND TOTALLY {$63.00} AND I WOULD SEE THAT ON THE ACCOUNT WITHIN 2 BILLING CYCLES. 
XXXX IS THE REP # FOR XXXX ( SUPERVISOR )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One incorrectly reported a default payment on annual fees on my account. In XXXX of XXXX I was charged a {$39.00} annual card fee. Then in XX/XX/XXXX I was charged a late fee. I paid all outstanding balances in XX/XX/XXXX, and had not principal balance since XX/XX/XXXX. Capital One reported two default payments to the Credit Bureau, when it should've just been one report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Homespire Mortgage Corp
State: FL

Complaint narrative:
My family closed on our home XX/XX/XXXX. We were not required to make a payment until XX/XX/XXXX. We were informed that our loan would be transferred to a new loan servicing company, which happens to be a company by the name of XXXX XXXX, but the dates as to when were still unclear. We were told we would receive a notice with the new loan information. It had came time to make XXXX payment and we still had not received notice from the new loan servicing company, XXXX. I contacted my original loan officer XXXX XXXX with Homespire Mortgage and was informed that any payments due before receiving notice from the new loan servicing company was to be paid to Homespire Mortgage using their online payment portal. The payment for XX/XX/XXXX was paid to Homesprire Mortgage on XX/XX/XXXX I have bank statements as well as conformation that the payment had processed. I was informed by XXXX XXXX that the payment would be transferred once the new servicing company, XXXX XXXX was in place. It is now XX/XX/XXXX and my payment for XXXX still has not been transferred to XXXX XXXX. I have made countless attempts to reach XXXX XXXX regarding this issue. I have provided her with MR.COOPER companies information as well as the loan numbers for the new servicing company so that the payment can be transferred and she has failed to do so. She has failed to respond to any emails or phone calls. I have provided XXXX XXXX with proof that the payment was made, I am continuing to get calls from XXXX XXXX requesting payment for the payment that has already been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and Transunion. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

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 2020-01-08 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX  but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
I believe that my mortgage and Note ( debt ) was purchased from XXXX XXXX XXXX XXXX XXXX by XXXXeopold & Associates, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Leopold is a debt collector. 

My foreclosure case, Index XXXX, in Supreme Court, XXXX County New York, was Voluntarily Discontinued in XX/XX/XXXX. In XX/XX/XXXX, I was served with a second attempt at foreclosure by Leopold & Associates, who was listed as the Attorney of Record, not the Plaintiff. XXXX XXXX XXXX XXXX XXXX was listed again as Plaintiff. They had to be since it was a continuance of the first foreclosure attempt, but I have reason to believe that, at that time, Leopold had bought my debt/mortgage and Note. I would like a simple " yes '' or " no '' from Leopold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Unlike XXXX  and XXXX, where I can lock and unlock my credit file online, Equifax has made my online account incapable of being accessed. They stated : " Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process '' My account was available to me until I applied for the data breach settlement of extended service. Once I applied for that I lost access to MyEquifax. Calling Equifax is quite frustrating. Recently ( XXXX ) I had a need to unlock and then lock my Equifax credit report and it took me 137 minutes. Subsequently I have asked Equifax to reestablish my online Internet account to save me time. They have not been responsive and telling me this : " There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX  XXXX XXXX, 7 days per week. '' After their data breach, of which I was a victim, they are now denying me the convenience of good service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my 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 2020-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Vehicle Loan was a for new vehicle, started loan payments in XXXX, car was involved in accident. The insurance company totaled the vehicle out, a check was made in XXXX XXXX from insurance to bank, bank has since yet to cash check. Check has been sitting in bank since it was issued. Bank gave me no reason as to why check was rejected or not cashed, it is 3 months later now, still no results. The bank is threatening me of reporting to credit agency of delinquency, yet they still have not acted on this manner. I have gap insurance for any shortages but that won't be initiated until the check clears. I am receiving calls and was told that I would continually get calls until matter is rectified.

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 2020-01-08 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: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Apex Asset Management sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. Apex initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX XXXX   for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX and Associates for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.

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