vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander stated loan would be removed from my credit due to a lawsuit filed against the company. Santander was required per the lawsuit to remove the balance off my account. Car repossessed and sold qualifies for a deficiency balance waiver and showed be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
A few months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account numbers XXXX NOT MINE REMOVE THIS DEBT ASAP! 
This is the 6th time that I've reported this and it's still defaming my credit report and my character!

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I placed an order with XXXX XXXX in XXXX, I never received the items but was charged for the items by Comenity Bank. I sent a letter to Comenity Bank, explaining that I never received any order and I wanted these charges removed. This letter was sent to Comenity Bank on XXXX XXXX. I called and the rep told me that I'm still responsible until XXXX XXXX refund me and then they will work with the late fees and that I had to pay on the bill to keep late fee down. I then paid {$40.00} with that rep because he said they will refund it back to me. I agreed to pay the {$40.00} so that they wouldn't report late on my credit. I also sent in affidavits to XXXX XXXX on XXXX XXXX, after they keep telling that they had sent affidavits forms in the mail and which I never received them either, so another rep from XXXX XXXX walked me through the website to print the forms my self and that is how I got forms to send off. I also called XXXX XXXX to check for the credit for my account on XXXX and learned that they had sent Comenity Bank a credit of {$34.00} and {$22.00} was the wrong amount, it should have been {$33.00}. So that left a shortage of {$11.00}. So I called XXXX XXXX back and they went ahead and refunded the {$11.00} and sent it over to Comenity Bank. So in the process of trying to get refunded for a non received order of {$68.00} has resorted in Comenity Bank charging me on a order that I never received in the amount of {$83.00} in late fees. I tried reasoning with the account supervisor by the name of XXXX in customer service and also spoke with XXXX who stated that she was the senior account specialist and they showed no concern of helping to fix this issue. I was wrongfully charged these fees and want my credit of my {$40.00} dollar payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 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: IL

Complaint narrative:
My Information was involved in an Equifax data breach as well as my information being compromised during Covid-19 such as My social security card and accounts when I did not have a stationary address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I mailed a dispute letter to XXXX on XX/XX/21. They have not provided me a response to date. 
Federal Law says they have 30 days to perform an investigation or the information shall be deleted. They have not provided me with a response to my letter yet.

Additionally, FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from credit reports.

FCRA 15 USC 1602 states credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

My social security card has been used and shall be excluded from my credit report according to the stated laws.

Equifax is also violating my rights to privacy according to FCRA 15 USC 1681 ( a ) ( 4 ) which states the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy I am requesting that this credit reporting agency respect my right to privacy and delete these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: LEXISNEXIS
State: PR

Complaint narrative:
Wanted two birth certificates from vital Chek in XX/XX/2020 paid {$67.00} and never received the documents.Since the documents were urgently needed, I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXXContacting vital Chek via phone or email is a waste of time ( no answer )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery put information on my consumer report claiming I owe them money. I never had any type of contract with them and I didn't even know they claimed I owed them money until I tried to get a house and was denied! I talked to the bureaus to find out what was going on and they said Portfolio said I owed it. I asked them to show my proof and they sent some statements from XXXX XXXX. I read online that they're supposed to notify that they are attempting to collect a debt when they first contact me, they did not do that. I also sent them a letter telling them to cease attempts to collect if they don't verify and validate the debt according to 15 USC 1692 so I'm refusing to pay according to my rights and demand that they remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: PA

Complaint narrative:
Hello I have written letters to XXXX  and Equifax about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
We closed our account on XX/XX/XXXX over the phone. We were told we would receive our funds, {$51.00}, by check in the mail. The check never arrived. 

On XX/XX/XXXX I called the US bank customer service line to let them know we have not received our funds and to request them. I was told to wait 90 days to get the check in the mail. 

In XX/XX/XXXX I visited a local branch and spoke to a US Bank client consultant who said he was goint to investigate an get back to me. He called me back about a week later to tell me he was unable to help me and that I should call the customer service line or wait the 90 days. I never received the check. 

On XX/XX/XXXX I called the US Bank customer service line. The agent could not give me any information regarding our funds, nor could find any information that a check was issue to us. After being transferred back and forth to diferent agents, finally a representative opened a claim for me and said I would get a response withing 10 business days. I never got a response. 

On XX/XX/XXXX I called to inquire about my claim. I was transferred and nobody could give me any information on the status of my claim. I was told someone will call me back, but nobody did. 

On XX/XX/XXXX I called again to inquire about my claim. I was told the system was down and was transferred to another line. No one picked it up, so after several minutes I hung up. 

I called a local US Bank branch to make an appointment to speak to a manager. They told me an appointment was not necessary, they will send an email to US Bank on my behalf.

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 2021-07-14 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: PA

Complaint narrative:
Hello I have written letters to Transunion and XXXX about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.

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 2021-07-14 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:
This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT 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 non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I was banking with chime I've been a customer over 5 years and they just closed my account I probably think it was because I reported numerous XXXX transactions and I wanted my money back they closed my account with out a notice I usually get my XXXX tax return and all my school financial aid they just closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Sent validation letter no response been over 30 days in violation of FTC LAWS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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:
This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
they will not update my score please make them fix it : FCRA violations : see attachments for Major Violations continued by this company 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 2021-07-14 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: GA

Complaint narrative:
XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.

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 2021-07-14 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: GA

Complaint narrative:
XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.

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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I closed on the refinance of my home on XX/XX/2021 with XXXX XXXX XXXX. 
On XX/XX/2021 I received a call from Loandepot ( the original loan holder ) saying that the payoff was in the wrong amount which was not accurate because I have documentation of closing. Loan depot was saying the payoff statement/check was sitting in suspense on XX/XX/2021. On XX/XX/2021 I received another call from Loandepot and a service representative said it was resolved but when I am looking on the online portal with Loan Depot the loan amount is still not XXXX out and they've had several people calling me to collect a debt when i have already refinanced and closed with a different lender. On XX/XX/2021 I was still seeing a balance online and i gave Loan Depot a call and they said it was resolved after she spoke to her supervisor and that i should see it clear on the online portal in the next week. On XX/XX/2021 I spoke with Loan Depot again and the representative was trying to collect a debt for the mortgage that seems to be overdue and she confirmed the payoff is still sitting in suspense and is not being processed because it is in the incorrect amount but I am seeing the correct amount. In between these documented dates, i have received numerous missed calls from them, automated voicemails in attempt to collect a debt. I have had my lender call them but they will not give him authorization. My lender has also sent out an email on XX/XX/2021 with proper documentation of closing and payoff statement and received no response. It has been over a month trying to get this resolved and settled. Can I please get some assistance? I've called Loan Depot many times and they've called many times to collect a debt and I have to speak to a new representative every time. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
On XX/XX/2021 I filed a dispute with XXXX  as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of XXXX  XXXX XXXX on XX/XX/2021. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX  has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with XXXX  and transunion which I have not filed disputes with yet.

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 2021-07-14 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: FL

Complaint narrative:
On XX/XX/2021 I filed a dispute with XXXX  as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of experian XXXX XXXX on XX/XX/2021. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX  has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with equifax and XXXX  which I have not filed disputes with yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting an account on my file that I have paid. I recently took a look at my credit and notice ERC is still reporting a debt that I have paid to them. I ask that they remove this account as it has been satisfied. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
It is insane I get multiple calls and no voice mail. Called the number and the recording stated Mr Cooper debt collection call, please hold for next available person. Here is the kicker, my mortgage is not late until the XXXX of the month! Today is only the XXXX. The Mr Cooper person told me they are allowed to start debt collection calls beginning on the XXXX day of the month. I told them there is no debt to collect until the payment is late which would be the XXXX of the month and today is only the XXXX.

Company response to consumer: Closed with explanation