vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached bank statements, the paid in full letter, and screenshots to substantiate all of my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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:
TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me. 

This issue has taken over 90 days to this date. XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: VA

Complaint narrative:
I submitted my dispute letters to TransUnion over 30 days ago. This credit reporting agency has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and I am entitled to {$1000.00} per violation.

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 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
XX/XX/XXXX To whom it may concern, On XXXX XX/XX/XXXX I refinanced my home. 
My new lender was to be Specialized Loan Servicing LLC. 
Account # XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX My first payment was not due until XXXX. On XX/XX/XXXX I received notice that they had sold my loan to XXXX XXXX XXXXXXXX XXXX. 
Account # XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX They said any payment after XX/XX/XXXX would go to XXXX. On XX/XX/XXXX I sent my first payment {$1300.00} to XXXX. The late fee is not in effect until the XXXX. They returned the payment on XX/XX/XXXX. When I called them about it they said it was to go to Specialized Loan Servicing LLC because it was technically due on XX/XX/XXXX. I called Specialized Loan Servicing to make a phone payment but they had no record of me, my husband or either of our SS numbers. I talked to 5 different departments but no one could help. On XX/XX/XXXX I sent a payment to them via bill pay ( Through XXXX XXXX {$1300.00} XXXX on the computer to see if that would solve it but they returned it on XX/XX/XXXX. 
I have tried everything I can think of and do not want to be harmed by incurring unfair late fees or have a derogatory comment on my credit history. Please advise. 
Sincerely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
XXXX  put a collection account on my my credit report that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
Williams and Fudge is reporting a collection account from XXXX University on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Williams and Fudge about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was recentlyreviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX report. I have multiple hard inquries from unknown sources as well. I have a current account with XXXX XXXX i don't owe them I don't know what the two accounts listed on XXXX are and its not on transunion. I have listed my current bill with XXXX XXXX in the documents. 
Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXX XXXX XXXX XXXX UNKNOWN ACCOUNT ) Inaccurate addresses XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE 44 HARD INQUIRIES ON MY REPORT SOI WILL LIST THEM IN THE DOCUMENTS ONLY

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 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was recentlyreviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my equifax report. I have multiple hard inquries from unknown sources as well. I have a current account with XXXX XXXX i don't owe them I don't know what the two accounts listed on XXXX  are and its not on transunion. I have listed my current bill with XXXX XXXX in the documents. 
Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXX XXXX XXXX ( UNKNOWN ACCOUNT ) Inaccurate addresses XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE 44 HARD INQUIRIES ON MY REPORT SOI WILL LIST THEM IN THE DOCUMENTS ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IN

Complaint narrative:
I purchased a new home in XXXX and was given reference by my relator to use this company. I have been trying to have my escrow account adjusted, as the taxes I am paying are way too high ( I am escrowing taxes, home insurance, and pmi ). 

I started this back on XXXX when I noticed that that my escrow balance was very high. As well as, seeing they were set to pay 2 tax lots/parcels when I only own 1 lot/parcel. I followed up with XXXX county, to verify the information. upon verification, I messaged back on XXXX that in fact, I do only have 1 lot and my taxes were {$10.00} for my first 6 months. I am paying roughly {$180.00} per month into escrow for taxes! Thats a HUGE difference. 

I also called in XXXX @ XXXX central time as this issue was too large to leave to a message, which they never respond with calls, and spoke with XXXX XXXX She said that there is a overpay and I would be sent a check that would take 3 days to process. 

I called on XXXX @ XXXX central time to follow up as to I had not heard anything nor received a check. I spoke with Ally at that time. She told me she didn't see any check information and that that is not usually how it is done ( as told to me by XXXX ). Also, that the escrow analysis was not even submitted until XXXX and not on XXXX as told by XXXX. 
I then asked to speak with a manager, because this was ridiculous, upon some hold time ( around 10-15 minutes ) XXXX came back on and said the manager was busy, I could either leave a message or continue to wait. I elected to do both, but XXXX would not let me, She gave an ultimatum of either hold or leave a message. I asked what the manager 's name was that would contact me back, and she responded saying that she was not able to disclose that information to me. 
I said I would wait, as she was very rude and becoming irate with me. 
Finally at XXXX, Sharron ( a manager ) picked up the line. I explained everything as in this message, and she said XXXX had mis-spoke and apologized and apologized for the way XXXX was on the line with me. 

She said this would be escalated to the tax department and they would get back with me. 

As of XXXX, I still haven't been contacted by anyone. So I sent a message to them. 
It is now XXXX and I still have yet to hear anything. No message, No check, No call. 
I sent another message preceding this, explaining my next steps, which was contacting XXXX State Attorney General, and Consumer Financial Protection Bureau. 
As read in this message, I have been mis-lead, lied to, and left in the dark with errors on their behalf now exceeding over {$3000.00} In these times, money is a much needed commodity, and the errors they have made and funds they continue to with-hold from me, are defiantly impeding on my well-bieng. 

PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified via my Robinhood Brokerage Account App of activity on my Debit Card associated with my brokerage account. I noticed 7 transactions that I did not make. I had my card in my possession at the time ; however someone was able to obtain my debit card information and charged {$120.00} + {$110.00} at the cash register and {$200.00}, {$300.00}, {$200.00} {$300.00} from the ATM at a XXXX supermarket in XXXX XXXX. They also attempted one declined ATM transaction of {$200.00}, as well. The total fraudulent charges was {$1200.00}. 

Immediately after noticing the fraudulent charges, I reported my card stolen to Robinhood and filed a claim for the 6 fraudulent charges. Robinhood has ZERO phone support and I have emailed them numerous times between XX/XX/XXXX and today to obtain a quick resolution to the fraud on my account. I was finally emailed back on XX/XX/XXXX by Robinhood only to tell me that all 6 of my fraud claims were denied by my Robinhood brokerage account. I was never able to speak to single human being and all emails have been automated. My case was not properly reviewed and handled by Robinhood so I am writing now to report this. These 6 charges on my account were absolutely fraud!! Robinhood does not have phone customer service so that I can not properly appeal this decision with a human being and re-open my claim. 

Today, I filed a police report in the City of XXXX XXXX regarding this identity theft, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Unfortunately, it appears the only way to get a timely response from Freedom Mortgage is through an official complaint to a government agency, since they do not regularly response to messages sent on their on message center. Even with an official complaint filed, Freedom Mortgage is still extremely slow in fully resolving issues. Yes, they finally removed the unwanted escrow/impound account and refunded half of the prepayment amount, for a refinance plagued with issues. However, they still have not refunded the {$2000.00} ( Escrow from previous loan ), the {$2000.00} extra mortgage payment that was processed on the previous mortgage ( allegedly they processed this refund on XX/XX/XXXX but we still have not received the funds ), and for some reason they assessed two fees with no explanation to the closed mortgage, {$170.00} on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

Again, I am having to file a complaint in order to get a refund of the {$4000.00} and requesting an explanation of the {$370.00} in fees.

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 2021-03-21 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: CA

Complaint narrative:
I am making a complain. Because i can not verify my own identity due to accounts on my credit report that are not mine. Also my accounts all have been hacked and compromised. Theres accounts on my report that were open without my permission or knowledge. Because its been over 7 years i can not see details. I have been recently dealing with a cyberstalker. That has changed all my passwords and is using my personal information. Has stolen my emails. Attempting to steal more from me. Im trying to figure out why i havent gotten my child support. I suspect theres still fraudulent activity going on. I have no access to any of my emails or accounts. And social media accounts are also hacked and compromised. I am concerned about my sons identity being used too. I need help. I see alot of incorrect information on my credit report. I can no longer access Experian, XXXX, and XXXX. They have been compromised. I need to do more investigation. On my credit report i see 4 mortgage accounts, 2 Auto loans, personal loans, credit cards. I have not used or had any idea. I have been living under low income housing assistance for 14 years. Ive never used my credit. I suspect my father and his wife XXXX XXXX and XXXX XXXX used my personal information to get mortgages and loans. Also i suspect my social security number was fraudulently used to get travel credit cards. But because its been over the 7 years n no longer showing details. I can not see much. Maybe i just dont know how to read it. Im dont have a clue on how to use credit or build credit. I have not learned.

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 2021-03-21 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint #. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: VA

Complaint narrative:
I submitted my dispute letters to Equifax over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and i am entitled to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: VA

Complaint narrative:
I submitted my dispute letters to Experian over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation. I am entitled to {$1000.00} per violation.

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 2021-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Hello, My name is XXXX XXXX and I currently reside in XXXX, Ohio. I was informed to contact your company by the XXXX XXXX XXXX. I am writing you because I'm not sure but I feel like there is some type of scam going on. Here is the problem : I currently am paying a note on a XXXX XXXX XXXX XXXX. I bought it from XXXX XXXXXXXX located on XXXX and XXXX in XXXX of XXXX when I was employed with them. I worked at the XXXX across the street. After I placed my down-payment on it which was {$1000.00} I continued to pay my car note. As of today XX/XX/XXXX, I am still paying on it. You would think after all this time it would be paid off. The first red flag was when my car got repossessed and they couldn't find my car. I put {$1200.00} flat and I had a very hard time trying to get my car back. Fast-forwarding to XX/XX/XXXX, I paid the {$1100.00}. When I looked at my balance before I paid it said {$7600.00}. After the balance said {$7100.00}, when it should say {$6500.00}. That was strange to me because all this time I was thinking I was actually paying on my CAR NOTE. So I decided to give them a call. I spoke with a man and asked him where the money was going towards. I do have everything recorded if needed. He explained to me that all my payments are going straight to interest first which I don't understand. I thought my money was going to my actual payments. How are we suppose to get our balance down if they keep piling on interest. I feel like this is how they get you. I'm giving them all my money thinking I'm doing something and my balance isn't going anywhere. He only explained about the interest rate being {$4.00} at first. I did some calculating and this is what I personally came up with. {$4.00} ( interest rate ) x 30 ( days ) = {$140.00} right. Even If I were to do interest on the whole year that's only {$1700.00}. Where is my money going to? I have no understanding.

Company response to consumer: Closed with explanation