vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am a Vitim of the consent order that was filed against Santander Consumer USA Inc. ( Santander ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). Santander has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted Santander Consumer USA IncXXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally Santander has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. Santander Consumer USA Inc. has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the Experian and XXXX, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a dead beat mother and refused a home.

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Prior to the conclusion of my leased XXXX XXXX XXXX, I contacted Chase to obtain the buyout amount to purchase the car following the lease. 

The buyout payment was due on XX/XX/XXXX. I overnighted a check via USPS on XX/XX/XXXX and it was received by Chase on XX/XX/XXXX. 

While Chase deposited my check and Chase acknowledges that they received the check on time, they have yet to mail me the title and other documentation. Instead, I receive letters in the mail stating that my payment was short ( not true ), that my payment is late ( also not true ), and threatening repossession. Chase also referred my account to collections, who reported this on my credit report. 

I call Chase once a week. The representatives acknowledge the mistake and assure me that my title is " in process '' but no progress is ever made and I call back the following week. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX XXXX Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with XXXX. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: KS

Complaint narrative:
Medical revenue service called around XXXX today XX/XX/2021 I was told I work and my wife needs to learn to pay bills because she is a debt collector as well. I ended the call with the person on phone as I felt threatening by this person who is calling me from Florida did not I'd who they are did not give mini Miranda nothing. I called my wife she called them they got angry with her she told them do not call me or her again as they have not sent any letters to our home justifying who they are. What can be done bout this harassment and threats.

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: OR

Complaint narrative:
I was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications XXXX XXXX, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except XXXX XXXX is still reporting to Equifax that this is a true and factual Hard inquiry. I called XXXX XXXX the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my XXXX XXXX XXXX for {$480.00}, and Capital One for {$190.00} and {$190.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 
I did as the lender asked and repaid the {$480.00} from my XXXX XXXX XXXX and the {$190.00} and {$190.00} from my Capital One MasterCard. 
The deposits were returned on XX/XX/2021 - over 30 days later. 
The deposits were made from a XXXX XXXX XXXX account. 
Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that XXXX XXXX could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other XXXX XXXX account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I contacted TD Auto Finance to setup autopay on my account and due to a glitch in their system, the account was never placed on autopay. I never received any phone calls from TD Auto Finance letting me know that the account was past due and that the autopay was not in place when it was supposed to be, resulting in my account being notated as delinquent 30 days for XX/XX/2021. I made attempts to contacted TD Auto Finance to delete this negative information off of my credit report, due to their representatives error in not properly placing my account on autopay. I did not receive a response from TD Auto Finance and then proceeded to send them a letter with another request to have the negative information deleted off of my credit report. They did not respond to my letter either.I am demanding that the XX/XX/2021 late payment reporting on my credit be removed, as it is tarnishing my perfect credit history and causing me unwarranted financial hardship, which TD Auto Finance is responsible for. 

Please send me confirmation that this is being removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
I am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the Transunion, XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.

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 2021-09-01 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: FL

Complaint narrative:
I am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and Experian who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corp at XXXX XXXX XXXX XXXX XXXX Tx XXXX has been sending me collections notices Im the amount of {$6300.00} the collection has been reported as past due.I do not know this company.I have never done any business with this company.This company does not have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Around XX/XX/2021 I received notice from RoundPoint Mortgage alleging I owed a debt. On XX/XX/2021, I responded with an an affidavit which was received by RoundPoint on XX/XX/XXXX. With no response, I followed up again with another affidavit on XX/XX/XXXX. Still waiting on their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am unable to open a checking account with any bank as fraud and identity theft has occurred. I have never opened a bank account nor checkings with any bank in the past as Ive been out of the country. Nor has my address ever been XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Florida 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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Link Management, LLC
State: MO

Complaint narrative:
Received robo-call from XXXX at XXXX XXXX  on XX/XX/21. 
Recorded message stated : Calling from capital link management. We've recently been retained in regards to an account that's been placed in our office. I need to speak with either you or your attorney immediately to issue a statement on your own behalf. If I fail to hear back from either you or your attorney by the close of business today, I will have no choice but to microsign against you as a direct refusal to comply. Please press 1 to speak directly with a representative.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Essential Lending Inc
State: TX

Complaint narrative:
I was reviewing my credit report & noticed this account reporting on my file. I dont recall ever taking out a loan with this company & it is my understanding that proper debt validation should include a copy of a signed contract between myself & this company. If this information can not be provided then according to the FDCPA this account must come off of all 3 reports. It is also my understanding that computer printouts do not suffice as proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My current Mortgage is with Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX. I am trying to ReFinance, but the new lender can not move until I settle a Forbearanece with Specialized Loan Servicing LLC. 
I called Specialized Loan Servicing LLC and they stated I do not have a Forbearance. I asked them to send me a letter to such, so I could move forward and they haven't. 
I am caught in this revolving circle. I have always paid my mortgage on time and it was never short. Even with Covid issues everywhere, I was still about to pay the full amount on time. 
The new company stated that some companies actually put Forebeances on accounts without the customers asking for it ; maybe that is what this is. I don't know. I just need to keep this process moving. I don't know what else to do. Its been weeks. I've attached my last payments, my mortgage and another file for your review.

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 2021-09-01 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: MAJR Financial Corp
State: VA

Complaint narrative:
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to ( Titl

e 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person tha
t willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Because of the XXXX  credit breach back in XXXX  I had over 43 capital one credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 — Problem with personal statement of dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
I talked with Vance and Huffman about my account! I was told that once the payment was mad that the account would be remove from my credit reports! It was removed from XXXX and XXXX.It was completely removed from XXXX but not XXXX.

Company response to consumer: Closed with non-monetary relief