vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Well I went through a divorce! And myself and my x name are on the car. Ive requested several time over a yr to have statement sent to me. They refuse to do so Ive asked to take my x off the loan due to hippa and court order stated that my x was not responsible for such as car is paid off and all taxes was my problem. She had no owner ship! Also Ive requested several time to have a lower payment. Was told they cant. They due not report accurately to the credit bureau and I have no clue what my payment are going to. They refuse to send me a statement to file bankruptcy with. So they prolonging the process. I talk to several people and a lady from the office on the XX/XX/XXXX! Was told then I should be get my statement. This problem if or when I pay this automobile off they will send it to my x which I will never get my x should not be on this account. Im XXXX and they harassed me to the point I told them to never call me Ive been stress out to the point with them I have to take medicine but they send me emails all the time to buy another car athough they cant send me my statement. Chrysler capital is one the worse car loans I ever have!! I do not recommend them they lie and mislead u ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2020-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have tried to place a credit freeze with Equifax, but somehow they have merged my equifax credit with my deceased father 's equifax account. ( His name shows up on my account. ) The problem is, due to their error, I can not add a credit freeze on my Equifax file. 

I have tried to call in multiple times to fix this so that I can add a credit freeze, but their automated system will not allow me to speak with a live person, and it hangs up on me once I answer their automated questions. ( Since they somehow erroneously merged my account with my father, the answers I provide are triggered as incorrect. ) I havw also emailed Equifax multiple times to find someone who can help me fix their error, so that I can freeze my credit. I have had a couple of equifax eployees reply via email that I need to call in ( again, their phone system won't let me ).

I have asked on multiple times ( nicely ) to see if I can speak with a live person, but have not been connected to one yet. 

I can not afford to have my credit unfro, en this long .... I need to FIRST freeze my credit, ans then have equifax correct their mistake of merging my account with my deceased father 's equifax file. 

I am not mad, I'm just need this fixed quickly because it's jeapordizing my credit by not being able to freeze my credit. ( Especially with Equifax 's recent data breaches. ) Can you just help me get Equifax to correct their problem that is blocking me from putting a credit freeze on my account? It's crazy that they can, make an error like this but not help me connect with someone to help me fix this! 

Thank you so much, I appreciate your help very, very much. I've just worked VERY hard for good credit and their error is putting my credit and financial health at major risk. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Date : XX/XX/2020. XXXX XXXX fake account opened by " XXXX XXXX  '' sold a fake dog collar for {$380.00} paid through paypal. When brought to XXXX 's attention, they refuse to look into the fraudulent activity. They also refuse to honor the buyer protection policy. 

Date : XX/XX/XXXX PayPal was notified about the fraudulent transaction and refused to look into the claim. PayPal drafted the {$380.00} out of the XXXX XXXX  account. XXXX XXXX put a stop payment on the transaction. PayPal then on XX/XX/XXXX drafted the {$380.00} out of my XXXX card even though they were notified this was a fraudulent transaction. This transaction should never have gotten that far once a fraud claim was made. PayPal is  also not honoring their buyer protection policy. 

XXXX and PayPal refused to honor their buyer protection policies and refused to look into Fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
As previously stated I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, about {$3500.00} was stolen from my Wells Fargo account. I contacted Wells Fargo the next day and filed two claims stating this wasnt me. They gave me the money back for the atm withdrawals that added up to about {$700.00} dollars. But for the second claim that added up to about {$2800.00}, that was denied. Mind you, all of these withdrawals happened in the same day, at the same bank, at the same time, in a area that is two hours away from where I Live.I wanted to know the status of the claim so I called Wells Fargo and they told me that they didnt find any case of fraudulent activity. When I first filed the claim for the {$2800.00}, I was told that they were going to do an investigation that meant looking into the security cameras where the money was took from. I would think if they looked at the security cameras that they would notice that this wasnt me. I was also told that someone else would contact me but no one has. At this point I dont know what to do. I dont know if I should sue Wells Fargo or something else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, and I did not authorize these credit inquiries.

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 2020-03-13 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: CA

Complaint narrative:
In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from Experian, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX  XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : Experian, XXXX, and XXXX U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On XX/XX/2019 joint mortgage account with Dovenmuehle Mortgage   was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as Dovenmuhele Mortgage. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting  XXXX XXXX from the legal department of Dovenmuehle, attached is a letter stating " Dovenmuehle has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that Dovenmuehle has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and Dovenmuehle, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I have continuously received a debt collection letter from a company called IC System. This debt is supposedly for an overdue phone bill that I owe to XXXX XXXX. 

The issue here is that I, XXXX XXXX, have NEVER been a customer of XXXX XXXX in my life. I have never owned an account with them. So this is either a complete mistake or fraudulent collection notice. 

This collection notice resulted in a " hold '' on my credit report with XXXX, which resulted in my denial of a loan with my bank. 

On XX/XX/2020 I opened a dispute on this account with XXXX. The dispute was settled on XX/XX/2020. However, this item was not removed from my credit report. 

I then contacted XXXX XXXX on XX/XX/2020 to dispute the collection, and was told they could not help me. The woman that I spoke with said that I needed to contact IC System directly to dispute the collection. 

However, I have called IC System on three separate occasions, and was unable to reach a service representative. I waited for a rep to become available until I could no longer wait. Thus, I was never able to speak with anyone. 

It is for these reasons that I am filing this complaint. I want this false/fraudulent debt collection completely removed from my credit report altogether.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, and I did not authorize these credit inquiries.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, and I did not authorize these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
I sent a complaint to Equifax and they told me I was a credit repair company and did not fix the errors on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have called each credit bureau 5 times to remove the fraud alert on my credit report and they havent done it. Its causing me to get denied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My laptop was stolen and my information was fraudulently used to open these accounts i never knew about

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have called each credit bureau 5 times to remove the fraud alert on my credit report and they havent done it. Its causing me to get denied for 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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called each credit bureau 5 times to remove the fraud alert on my credit report and they havent done it. Its causing me to get denied for 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 2020-03-13 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: NC

Complaint narrative:
I am a victim of 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 2020-03-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2019 joint mortgage account with XXXX XXXX   was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX  The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department of XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 XXXX days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2019 joint mortgage account with XXXX XXXX  was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department XXXX XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CNG HOLDINGS INC
State: TN

Complaint narrative:
On XX/XX/2020 I received an email at XXXX and a text message at the same time regarding my account with lease it or keep it. I do not appreciate being called every hour while I am at work and now I am getting contacted at an unacceptable time of the night.

Company response to consumer: Closed with explanation