vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 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: MD

Complaint narrative:
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
About XX/XX/2020 I called the gas company and explained to them that it was not my debt and contacted the utility commission about the issue and neither said they could help. In XXXX I received a debt collection letter claiming they own the XXXX account of {$33000.00} and they are going to put a lien on my credit account unless I pay. I filed a police report and now am waiting for them to get back to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I'm filing a complaint against XXXX XXXX XXXX who actions have been deceptive, unfair, misleading and in violation of a federal consumer protection laws & regulation. XXXX XXXX XXXX  foreclosed on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) without having an authentic promissory note, the Pooling and Servicing agreements including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates XXXX XXXX, & all Notes that should have been properly indorsed each time they were transferred. In contradiction, the XXXX XXXX XXXX XXXX  XXXX Trustee indenture would have expired on XX/XX/XXXX when the foreclosure action was initiated. Moreover, the XX/XX/XXXX mortgage assignment both " Assignor '' & " Assignee '' all shared the same address of the mortgage servicer which was c/o Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The company Santander consumer USA / Chrysler Capital has ignored my mail, phone calls. Since XXXX XXXX. 

They are charging me {$12000.00}. When the vehicle has been repossessed and sold And reporting to my credit report as charge off and still trying to collect payments. I was one of the victims from their multi state settlement that was reached out to be eligible to received payment or get the pardon to delete the company name from my credit report. 

On Chrysler Capital it says that the payoff disclosure was {$2000.00}. And now its more than ever Ive reached out to the 3 major credit Agency to ask Santander to provide validation of the sales and yet they have denied and still report it on my credit report as accuracy. They repossessed my car in 2017 and they still refuse to show me proof. I recently challenged them to send me the form 1099C and still ignore me.. 

So, I came across this post that CFPB : Santander Must Pay {$4.00} Million For Credit Reporting Violations. Dated XXXX XXXX. 
Hopefully someone can reach out to Santander and remind them that theyre still havent reached out to us. 

I also reached out to rusty consultants and put a complaint that I have not reached a settlement from XXXX on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: LA

Complaint narrative:
Someone ran my credit for comenity XXXX XXXX and credit one bank. These are fraud credit inquiries o did not authorize no one to run my credit or gave anyone permission to run 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 non-monetary relief
Consumer complaint received 2020-12-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX  have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
This debt was already paid and was being billed through XXXX XXXX, not Arizona XXXX XXXX. In fact, I paid for this bill twice, once with XXXX XXXX and a second time to Arizona XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I always pay my credit card accounts completely and on time every month if I receive the mailed statement. This company, Hilton Honors, American Express says since XXXX I've been paying late every month and now they're charging {$40.00} late fess in addition to other fees every month which is news to me. I have only two recurring charges each month on the card totaling {$35.00}. According to my online banking account ( XXXX ) I paid {$87.00} in XXXX ( XXXX XXXX  ) apparently because I missed the XXXX payment of {$35.00}. But I was paying the late charges only or something? I didn't receive the XXXX bill or I would've paid it. I paid {$66.00} on XXXX, apparently late again because my bill is due the XXXX of ea month but if I don't receive the bill, it's my online bank telling me I have a bill. This is twice the normal amount. Then I transferred the two recurring charges for XXXX so my bill shou8ld 've been XXXX in XXXX but again I didn't receive a statement and found when paying other bills on XX/XX/XXXX that my bill was now {$140.00}. I asked for charges to be removed so I could pay my final bill and cancel the card and then received this story about not paying late charges back to XXXX. I asked to speak to a supervisor and was put mon hold for 20 mins or ignored ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Approximately around XXXX XXXX 2016, I contacted XXXX XXXX XXXX XXXX SC to obtain a vehicle. I applied for financing and was denied. I was told I needed a co-signer. A relative agreed and we submitted a second application with her as co-signer. 

I was informed that she had a good XXXX XXXX and I had the income to support the application. The loan was approved and I was informed that the paperwork would be overnighted to the relative for signature. I did not see her paperwork. 

In the interim, I added the vehicle to my insurance. My aunt and I both agreed to have her a co-signer. All paperwork and correspondence went to my relative. Neither of us knew that this was the first indication of deception. 

After researching XXXX, I have found that several of my rights have been violated per the FDCPA, which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 

1. XXXX XXXX mislead both myself and relative into a deceptive loan. We entered into an agreement with XXXX, not XXXX XXXX. According to the FDCP, The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 2. XXXX XXXX acted on our behalf and transferred our account to a sub-prime lender, XXXX. 
3. XXXX XXXX misinformed our application intent, which resulted in myself and relative being co-applicants. With my " relative '' being the primary. We would have never agreed to this, " relative '' does not have a Driver 's License. 
4. XXXX has collected on alleged debt for this sub prime loan since XX/XX/2016. The total amount of the vehicle was {$20000.00}. The balance on the loan over 4 years later remains the same. 
5. XXXX has contacted and harassed me as well as my relative on our jobs, cell phones and home numbers. Further, XXXX harassed my relative at her job after being told numerous time that she could not receive such call on her job. Regional Acceptance Corporation has violated the Fair Debt Collection Practices Act, which protects consumers from abusive or harassing treatment by debt collectors, and the Furnisher Rule of the Fair Credit Reporting Act. 
6. Payments on alleged debthave gone to finance fees and late payments, with none to the principal balance. Which has resulted in a balance that has ballooned.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-26 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
Fraudulent charges were made and about XXXX was stolen from my account. Eppicard representatives were not helpful and act like they do not care about fraud transactions. The workers should be looked into and this company should be looked into, as many others have experienced fraud with this company. How evil of a scam to steal from a child support program that is to go to children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am an XXXX licensed in XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. My Stepfather XXXX XXXX passed away on XX/XX/2020 and had a lease on a XXXX from XXXX from Ally Financial. 

My mom is XXXX and can not take care of herself and had to be transferred to an assisted living facility and I intend to return to the car to XXXX as soon as COVID is over, but my wife is pregnant so I do not want to risk going to XXXX, especially since as I understand it an auto payment of {$250.00} is being made to Ally Financial anyway. I informed Ally Financial of my stepfather 's death and there seemed to be no issue, but approximately a month ago my mother began receiving harassing and threatening phone calls from a woman named XXXX XXXX who called from XXXX XXXX XXXX XXXX in XXXX, Florida would not even identify where she was from, but repeatedly called my mom in her assisted living home and threatened to lien her home. 

I attempted to call her back, but nobody could connect me to Ms. XXXX whoever she may be. I am unsure if this is a scam from Ally Financial or if this Ms. XXXX is a scam XXXX. 

Ms. XXXX should not be harassing elderly widows in retirement homes and at the very least some form of written notice should have been sent, but none has come.

Company response to consumer: Closed with explanation