vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-90 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 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 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I have unsuccessfully tried for years to get a account validated from Penn Credit Corporation and they have refused to send any documentation besides Account verified Yeah? By who exactly? It is my right to request this information and did not have prior knowledge of the fact they are legally obligated to send me all records pertaining to my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MD

Complaint narrative:
This Auto loan was actually taken out with XXXX XXXX XXXX in 2017 and payments have NEVER been late until the COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on XXXX XXXX website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to XXXX XXXX through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported XXXX XXXX to XXXX XXXX XXXX for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with XXXX XXXX XXXX and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why XXXX XXXX is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
XX/XX/2020 Creditors Discount & Aud XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX original creditor XXXX XXXX XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$1800.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this debt to be removed from my credit file as soon as possible. 
This erroneous and illegal tradeline is damaging my credit and name greatly! Please assist.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am a victim of identity theft i did not give anyone consent to open any of theses accounts this is fraud

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i am a victim of identity theft i did not give anyone consent to open any of theses accounts this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i am a victim of identity theft i did not give anyone consent to open any of theses accounts this is fraud

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 2020-08-17 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: IL

Complaint narrative:
The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. Thank You.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am a victim of identity theft, I do not own nor have I ever a XXXX card or account

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 2020-08-17 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: IL

Complaint narrative:
The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. Thank You.

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 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 


2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
I am writing regarding timely processing and disbursements of Escrow Payments. I have had a mortgage with Santander for MANY years. In XXXX after the impact of Hurricane Maria I performed my first Insurance claim and everything ran rather smoothly. Now in XX/XX/XXXX with the impact of the Earthquakes I tried to initiate a new claim and then is when I find out that since XXXX Santander had cancelled my insurance policy and I have no coverage even though my Escrow account has the funds paid by me, Santander just did not perform the Timely Escrow Disbursement nor did they notify me. I continued to be charged the full monthly payment which included the Insurance policy portion. Santander is claiming that Santander Insurance cancelled the coverage in XXXX and that I was not notified because they were not able to contact me. This is hard for me to believe because I have had many calls with Santander Collection and Santander Loss Mitigation, every time I get a call I do respond. My house has been significantly impacted by the ongoing earthquakes and I have been pushed back and forth between Santander and Santander Insurance, each blaming each other but neither are assuming responsibility. We are currently in the peek of the hurricane season, which this year is a very active one. I have had XXXX XXXX XXXX just thinking that I have no coverage. Mr. XXXX XXXX ( Director ) at Santander reached out last week requesting information in order to get a new policy in place, when I asked status upon my claim of the damage he reassured that Santander will not be paying anything because there was no active policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: STEWARD FINANCIAL SERVICES LLC
State: MD

Complaint narrative:
This Auto loan was actually taken out with Steward Financial Services in XXXX and payments have NEVER been late until the  COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on Steward Financial website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to Steward Financial through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported Steward Financial to XXXX XXXX XXXX  for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for  collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with Steward Financial Services and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why Steward Financial is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have a loan with XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX FLORIDA ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main USAA account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by USAA until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted USAA and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided USAA, XXXX and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After initiating a complaint against Equifax for failing to respond with in 30 days. And explaining that I wasnt mentioning the names of the companies cause equifax would dispute the items in question, Instead of addressing the actual complaint, and that I would attach documents that showed I didnt recieve a response on the two separate items from Equifax untill months after they were initiated. Do you know what they said? You'll never guess. They grabbed the names of the companies out of the documents I sent, and disputed thier accuracy once again. Instead of address my actual complaint. See attached document. 

This is an investigation into an on going problem with equifax. They failed to notify me of the results of a dispute within 30days. This no longer involves the other companies. There is no reason to investigate the items once again. Equifax failed to notify me. And they refuse to address the complaint against them. 

I have brought this to thier attention 3 times now, and not once have the addressed the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
CHECKED MY CREDIT REPORT THEN NOTICE THAT ACCOUNTS WAS OPEN IN MY NAME THAT I NEVER KNEW ABOUT IM TRYING TO BUY A HOME AND THESE ACCOUNTS ARE STOPPING ME FROM HAVING A GREAT RATE WITH MY CREDIT UNION HOW CAN SOMEONE USE MY INFO WITHOUT ME KNOWING THIS IS CRAZY.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see several 120-180 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 non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main XXXX account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by XXXX until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted XXXX and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided XXXX, XXXX and Equifax all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.

Company response to consumer: Closed with explanation