vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Earlier this year the our ( my wife and I ) Transunion XXXX accounts were shut down and we were switched to Service.transunion.com, which appears as an makeshift access to Transunion. When calling in we were told that Transunion had switched all non paying clients to the Service.transunion.com site, and since has had problems with proper credir reporting to include the site not showing what can be accessed elswhere. Today I did a XXXX search for Service.transunion.com and nothing showed up. Also went to the main Transunion website and the XXXX  website and there was no mention of Service.transunion.com. And everytime we had asked about XXXX  which was and still is the FREE Transunion access, we were told that we had to stay with Service.transunion.com, an access that's not even listed on any of their websites, nor is there anything in the search engines. this makes me think my wife and I are on a special access to Transunion and have been blocked from accessing Transunion the same way we did in the past.

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 2021-04-13 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: FL

Complaint narrative:
EQUIFAX IS REPORTING WRONG DATE OF BIRTH IN MY CREDIT FILE. 
THE CREDIT BUREAU FAILED TO INVESTIGATE OR PROVE 100 % ACCURACY OF ALLEGED CREDIT COLLECTION ACCOUNTS LISTED BELOW. 

DATE OF BIRTH LISTED IN MY CREDIT FILE XX/XX/XXXX( INACCUATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am also having the same problem with XXXX, in that my paid XXXX account had booted me to their MyEquifax.com, but to later not allow me to sign in even after going through the sign in procedure. This is very similar to what happened on Transunion, only that I've not been able to get Free reports suing Annual Credit Report. At present I'm not able to access the site and even if I go over the sign up process again it will later prevent me from accessing the Myequifax.com site. 

When I was able to access the XXXX site and the regular XXXX site when I was paying for it, it contained some different information that what I should be able to also see on the Myequifax. When I asked about the switchover was told they were switching over everyone with a non paying account, though at the same time I was paying to access Equifax itself. 

This is a very similar problem that I'm having also with XXXX, and is troubling to me to not be able to read from searching that anyone else has been switched or had even mentioned being switched and not being able to get Credit reports, from niether Equifax nor through Annual Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: IL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient keeps sending me ROBO emails but does not have a telephone number so that I can talk to a HUMAN BEING at Navient and pay my student loan payment. They have no telephone numbers and all emails are ROBO EMAILS. I want to pay my student debt but no one there will call me. They just want to send ROBO Emails that you can not reply too. They are ruining my credit. They are ruining my credit! They are ruining my credit!!! How can I sue them? They have no phone number. Please give me their phone number so that I can talk to a HUMAN BEING there and make payments!!!!!!!!!!! 

See the attached ROBO Email they sent me that has no telephone number, physical address, HUMAN BEING 's name, non-ROBOEMAIL address that you can not reply to. How do you let a large corporation get away with this????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX month in XXXX the car was finance at XXXX XXXX ( XX/XX/XXXX ) 26 % interest rate. I have calculated every payment sent to Santander Consumer USA total XXXX as of today. Every payment I made my balance was getting higher not lower. The payments I push I still made payments that month. Santander taking my payments placing them toward the interest of loan or split payments. Some payments I will send certified checks for XXXX still balance not going down requesting extra payments go to principal. Santander say I owe another XXXX plus another 6payments will be {$2900.00} payoff is XX/XX/XXXX. There is a class action lawsuit against them taking advantage customers giving high interest rate. Knowing you will default on loan, file for bankruptcy, late payments, and or vehicle be repossessed. I constantly have file disputes with all 3 Credit bureaus because Santander has reported several time my payments are late when they wasnt. Hurting my credit scores. Just recently my credit was close to XXXX. My credit went down 21pt because Santander reported my payment late for this month and last month. That was corrected but I'm still suffering. XX/XX/XXXX Santander still was saying I owe XXXX. I have send 3 certified letter requesting a audit on my account with audit lawyer. Santander still havent returned my phone calls. Santander threat with certified letter to repossessed the truck final payment XXXX the final payment do not match what is owed XXXX. 

Start sending extra payments XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX Total payments I made XXXX as of XX/XX/XXXX Santander agent XXXX I spoken to on XX/XX/XXXX I requested again audit on account. She states that I paid on record call XXXX interest XXXX principles XXXX late fee Payoff XXXX remaining XXXX total payment on a XXXX car XXXX finally given me information for class action but I learn when I called I wasnt added. Santander has Loan Forgiveness and Car Title and Deficiency Waivers which they are not giving me information about it. 
SantanderconsumerUSA.com/topic/agsettlement.com class action lawsuit New pay off date XX/XX/XXXX XXXX Balance as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NC

Complaint narrative:
Im submitting this complaint against Experian, Equifax, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION FAILED TO PROVIDE 100 % ACCURACY OF ALLEGED COLLECTION ACCOUNT PLACED IN MY CREDIT FILE. THE COMPANY LISTED COLLECTION WITHOUT PROPER INVESTIGATION. 

SUMMARY OF ALLEGED ACCOUNT LISTED BELOW ACCOUNT # XXXX COLLECTION/CHARGE OFF

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 2021-04-13 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: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
SHELLPOINT MORTGAGE DECLINES TO SEND MONTHLY STATEMENT OF ACCOUNT VIOLATING XXXX The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle. 
( c ) Form of the periodic statement. The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. Sample forms for periodic statements are provided in appendix H-30. Proper use of these forms complies with the requirements of this paragraph ( c ) and the layout requirements in paragraph ( d ) of this section. 

I DO NOT WANT ELECTRONICALLY ISSUED STATEMENT. VIA EMAIL I HAVE COMMUNICATED IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: MN

Complaint narrative:
Collection was passed to Hunter Warfield from an apartment management company. Management company alleges I have unpaid fees- however I satisfactorily met all requirements in lease agreement. Disputing that I owe any funds.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was sent a summons to appear at which on XX/XX/2021 I was in court via zoom. The company was able to receive a court date quicker than most evictions as if the judge was in collusion with the company. The company is attempting to collect/ sue me in the name of Wells Fargo and they do not represent XXXX XXXX I have contacted wells fargos legal department and they advised me that this company has no affiliation with them.

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 2021-04-13 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: AL

Complaint narrative:
This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
I have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years

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 2021-04-13 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: NJ

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
XXXX XXXX Bank is not accurately reporting the balance as {$1000.00} on my XXXX XXXX XXXX to XXXX, Equifax, and XXXX. I am not carrying a balance on this card. This card has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: MI

Complaint narrative:
I have an open Credit Card Account with XXXX XXXX and XXXX XXXX for over six months paid in full every month which is not being reported.

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX, XXXX XXXX! 

I'm writing to complain about PayPal for closing my account for no apparent reason on XXXX, XXXX, and refusing to assist me in reactivating it. I'm not sure if this is a mistake, as I think it is. I haven't been able to get support from them in months, but I just remembered I could file a complaint on here because I believe they aren't doing their job properly, and it's affecting me, especially now that the pandemic is spreading and I desperately need the money. It was a bad and stressful experience since it was my first PayPal transaction, but this is what happened. I need to get my balance of {$1400.00}. " XXXX '' is the email address associated with my PayPal account. I'm hoping you good people can assist me with this ; I can't wait another six months, and I believe I am entitled to my money back because it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
Since my husband and I refinanced our mortgage with United Wholesale Mortgage ( UWM ) in XXXX of XXXX, every mortgage payment we have made has been misapplied to principal instead of the monthly payment and additional principal, reversed, and then reapplied against the correct payment due, with a delay. I have called on multiple occasions to resolve this, and have been told things like " you must have selected the wrong option '' ( which is not accurate ) or " the payment was misapplied, but we've fixed it, '' or " there's a glitch in the system. '' The last time I spoke with UWM customer service, I told them that the next time this happened, I would contact the CFPB, and they assured me that it would not happen again. Despite their reassurance, on XXXX XX/XX/XXXX, this happened again.

Company response to consumer: Closed with explanation