vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX XXXX  not listed Equifax XX/XX/XXXX Payment status not consistent : XXXX  : Current XXXX  ate 120 days Equifax Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX Experian not listed XXXX  XX/XX/XXXX Payment status not consistent : XXXX  : Current Experian ate 120 days XXXX  Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

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 2020-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
A judgement has been filed against me regarding a title loan I had in 2016. I have consistently made the {$100.00} a month agreed upon payments since the judgement. I was told at the beginning of this that if I was to have a lump sum they would settle for me. 

Since COVID I have attempted to contact Cash Time Title Loans and request a settlement offer to get this debt closed out. They responded to me stating that they are unable to offer any settlement at this time. I also have had a volunteer Lawyer attempt to contact the company asking for smaller payments or a settlement offer but they have neglected to respond to him as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted a letter to American express asking that all derogatory / late payments and all negative trademarks be removed on my credit report, it was a good will gesture I have not heard back and it makes over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a first premier card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my 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 2020-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON 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 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Unable to link accounts due to PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very " strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Risecredit, LLC
State: FL

Complaint narrative:
Someone got a {$5000.00} loan under my name with company/bank called RISE (  which is somehow related to XXXX  ). 

This is hurting my credit really bad. My score is down close to 200 points ( so far ),  other banks are closing my credit cards or lines of credit, I am not able to get a loan ( not even the COVID 19 disaster recovery loan ). 

I've called this bank more than 10 times and sent emails. Their response is always that the person in charge is not available or the fraud department is close ( no matter at what time I call ). I am only able to talk to customer support reps who are not capable of doing anything about it. 

I've tried disputing the case with the credit bureaus/agencies and the only thing they do is call the bank ( RISE ) to confirm the loan and nothing else. 

Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have requested for Ally Auto to adjust my monthly payments due to hardship ( change in work and economics ). I spoke with someone in XX/XX/2020 and they advised me after 14 successful full payments I can request a loan modification. So I did in XXXX and also due to COVID-19 they offered an adjustment for payments or a kind of Forbearance for 90 days so I requested both and after calling in XXXX, XXXX and XXXX to find the status they sent me letters with approvals for both which I have attached. 

Now in XXXX I have checked the amount due and it does not reflect the amount that my wife, I, and the Rep from Ally Docusigned about the modification of the loan amount due monthly. They didn't make any adjustments and are reporting to the credit bureaus that I am 90 days late, not honoring the COVID-19 Forbearance arrangement.

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 2020-07-21 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: TX

Complaint narrative:
i called the collection company and explained to them i was a victim of fraud ... The company is looking into it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am a new customer with Shellpoint Mortgage currently with XXXX. The last couple of months I have notice a charge on my account for PROOERTY INSPECTION DISBURSEMENT for XXXX dollars. I have currently caught up but was behind on my mortgage payment. 
This amount I was told is to verify I stay in the home to protectect the investor. This is a predatory fee to keep the consumer paying. In lew of late fees and I want my money back. 

I paid 7 months x XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Paid off credit card and closed company XXXX XXXX XX/XX/XXXX On XX/XX/XXXX lvnv funding  reported on my credit debt owed by original creditor XXXX  XXXX. 

This is a fraudulent attempt to collect a dept not owed. Disputed with credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase.com account temporarily disabled for no clear reason on XXXX XX/XX/2020, I have contacted Coinbase Support immediately, Case # XXXX, and after a couple of days they got back to me by requesting some documents and clarification statement regarding my trading activity ; shortly I provide them with seven submitted documents and a comprehensive trading statement telling them what I am doing ; they replied that will transfer my case to a specialist who will be able to assist you with this specific issue and noted that these reviews are typically completed within 5-7 business days ; on XXXX XX/XX/2020 while still my account was temporarily locked, someone transferred fund from my XRP Coinbase account, it's absolutely illegal, and an unauthorized transaction happens, which Coinbase should be responsible and providing clear the explanation for all those. 

" You just sentXXXX XRP ( {$0.00} USD ) Congratulations! You have successfully sent XXXX XRP to XXXX. You can view transaction details in your Coinbase account. 
This withdrawal is being sent to an address ( " XXXX '' ) that you haven't previously used. '' The ETA for performing a review to restore access to my account based on Coinbase TOS is 10 days " XXXX : XXXX '' however I do not have any clear reasonable response or resolution after three weeks ( 22 days ). This cost me a huge loss and paint in life, I URGENTLY requesting a response and resolution and providing access to my account and my Crypto asset. Looking forward to hearing from you soon. 
Best Regard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Experian ) Inaccurate late reporting : XXXX XXXX - ( XXXX, XXXX & Experian ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Experian & XXXX  ) ; Balance - {$6500.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX, XXXX  & Experian ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Experian & XXXX  ) ;  Balance - {$800.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX XXXX XXXX - ( Experian ) ; Opened - XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 

XXXX XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 


The following accounts are reporting either due to error or Identity Theft, Please remove the following items : XXXX - ( XXXX, XXXX, Experian ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Bal : {$360.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$6100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$200.00} ; This account belongs to someone else or it is a direct result of identity theft. 

So XXXX XXXX XXXX - ( Experian & XXXX  ) Opened - XX/XX/XXXX ; Bal : {$0.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( Experian & XXXX  ) Opened - XX/XX/XXXX ; Bal : {$18000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-21 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened

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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I financed a car with Ally Financial back in 2013. Due to being charged higher interests rates due to discrimination about my race I was advised of a settlement that would help me pay off the vehicle. The vehicle was repossessed due me losing employment. With the payments being over {$500.00} I was not able to afford it. The car was originally marked at {$17000.00} the dealer said with taxes and all fees the car came up to {$32000.00}. We thought the dealership we went to had the best interest for us. but unfortunately we were charged higher interest rate and a higher ' mark up ' due to being XXXX. The lawsuit payout was {$100.00} which didn't really help the fact that I was overcharge. Today my father is currently having his wages are being garnished and soon mines will be too. We requesting making payment instead of having our payroll garnished and have been declined. The last year and a half we have been in a financial burden with bills and looking for a vehicle due to the discrimination that this bank has done.

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 2020-07-21 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: NY

Complaint narrative:
To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, Equifax and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX  which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, XXXX  and experian reports. Also I have a derogatory mark from enchanced on behalf of sprint which shouldn't be on there as that was settled at sprint store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.

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 2020-07-21 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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