vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX/XXXX XXXX  Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, ALLY FINANCIAL Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy 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 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I was supposed to receive a {$75.00} bonus for having direct deposit of {$500.00} or more. I completed the promotional requirements but the credit never posted. I have followed up via email and XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( XXXX XXXX ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: PA

Complaint narrative:
Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report.

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 2021-02-05 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: IL

Complaint narrative:
On XX/XX/2020. I requested Transunion and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.

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 2021-02-05 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: IL

Complaint narrative:
On XX/XX/2020. I requested XXXX and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my Equifax and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: IL

Complaint narrative:
On XX/XX/2020. I requested XXXX  and Experian to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.

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 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX should not be reporting to XXXX XXXX XXXX and Transunion that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.

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 2021-02-05 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.

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 2021-02-05 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Lowes/Synchrony Bank has my information as a secondary on a credit card instead of an authorized user. I was only an authorized user on this account and not a secondary and it is effecting my credit report negatively. My husband XXXX has called multiple times and has asked for all of the documentation on this account. They have told him there is no documentation available to send ( XXXX at XXXX and XXXX at XXXX hours were the last two calls ).

My husband had filed bankruptcy on this card and it depicts correct on his credit report but it should not be on mine. my last 4 of my ss # is 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 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2021 at approximately XXXXXX/XX/XXXX I received an automated call from the number provided in this complaint. Upon electing to speak with a representative at " CPS Services, '' I was placed on hold for approximately 5 minutes. Once I spoke to the representative they informed me that my number was associated with someone else, whom I've received multiple calls pertaining to, and that I would no longer receive any calls. This happens 3 to 4 times per day on every weekday and constantly disrupts my business that is heavily reliant on teleconferences for day-to-day operations, especially during the COVID pandemic. Apparently, I am never removed from their " list '' so they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2021 Kids Need to Read was sent a denial letter for an Amazon Credit card that we did not apply for. The card is from Synchrony Bank. No direct contact information was given in the letter. When we reached out to Amazon we had no way of addressing this issue. 
We are concerned that someone may have tried or is trying to open additional accounts under XXXX XXXX XXXX XXXX. With no way to address this issue with the companies involved, we were forced to apply to CFPB.

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 2021-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have XXXX XXXX  and now more ) payments out of thXXXX XXXX  needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. I have heard nothing from them, nor have I received any documents. I called and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!? Furthermore, there is NO ONE I can contact or speak to about my loan forgiveness at the Federal Student Aid facility, so I am not able to actually check the status of my loan forgiveness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I closed on a property on XX/XX/XXXX and had XXXX Mortgage ( XXXX XXXX ). Not issues with that. 
They sold the loan to Penny Mac on XX/XX/XXXX and I was notified on XX/XX/XXXX via mail. meanwhile I cut a mortgage payment to XXXX XXXX and it was cashed on XX/XX/XXXX for {$1800.00} ( check is attached ). 
I had contacted Penny Mac and they told me they had up to 60 days to receive payments and update records. I waited until XX/XX/XXXX ( just over 60 days ) and asked XXXX XXXX Info to provide proof that the payment had been sent to Penny Mac. They ended up getting me in touch with XXXX XXXX ( Post Closing Assistant at XXXX ). Some person named " XXXX '' said " Didn't know payment belonged to investor ... slow " purchase advise in XXXX '' issue. THey overnighted a check to Penny Mac that day. Monday was a holiday ( XXXX XXXXXXXX day ) and the payment was applied on XX/XX/XXXX. 
I reached out to both companies and requested payment gets applied back to date it was cashed ( XX/XX/XXXX ). They both said they would look into and no reply fom either on assisting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: PA

Complaint narrative:
Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters and also they have not even ones responded back to me. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even responded back.

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 2021-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I leased a XXXX XXXX XXXX from Honda Financial Services on XX/XX/XXXX. The lease had a XXXX term and was scheduled to end on XX/XX/XXXX. On XX/XX/XXXX, I sold the car to XXXX allowing XXXX to exercise the purchase option prior to the end of the lease term on my behalf. The attached lease agreement states that I " have the option to purchase the Vehicle at any time. The purchase option may only be exercised by the Lessee. If I purchase the vehicle prior to the end of the Lease Term, the purchase price will be the Adjusted Lease Balance plus any payments or other charges due and unpaid under the Lease and any taxes or fees required by law in connection with the purchase. '' The lease agreement states that a {$350.00} " Turn-In Fee '' will be assessed if " I do not purchase the vehicle. '' The only other mention of the Turn-In Fee is in the section regarding Scheduled End of Lease Liability, which describes what charges will be assessed at the time the vehicle is turned into Honda at the end of the lease. However, this section would not apply since I did not turn the vehicle into Honda at the end of the lease. 

XXXX obtained a payoff quote from HFS on XX/XX/XXXX, in the amount of {$12000.00}, which was {$370.00} higher than the payoff quote that HFS 's website provided me. HFS received the payoff from XXXX and credited my lease account on XX/XX/XXXX. The attached transaction history shows the payoff of {$12000.00} as well as the assessment of a " Turn In Fee '' of {$350.00} and {$28.00} in taxes on the fee. 

In this situation, I allowed XXXX to exercise the purchase option on my behalf. I signed a Power of Attorney transferring ownership to XXXX. As the contract states, " This purchase option may only be exercised by the Lessee. '' It should not matter whether I purchased the vehicle from HFS directly or whether a dealership purchased the vehicle from HFS on my behalf. The Turn-In Fee should not have been assessed. I would argue that this is a deceptive practice and the name of the fee itself is deceptive. One would think that a " turn-in '' fee would apply to turning a vehicle back in at the end of the lease, not buying the lease out early, paying HFS all remaining monthly payments, and the residual/purchase value of the vehicle as stated in the agreement. Further, the lease contract does not clearly disclose under what circumstances the Turn-In Fee may be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
I had a XXXX XXXX account for over 25 years and the final bill contained late fees that were charged erroneously. I received a collection notice which is attached to this complaint from Sequium Asset Solutions. The notice provided 30 days from receipt of the notice to dispute the item contained in the notice. 

I was not given the benefit of the full 30 days of the notice to dispute this debt, and Sequium reported the debt to XXXX  and likely other bureaus, on XX/XX/2021, just 20 days inside of the 30 allowed by law. This debt was already paid in full via electronic check and still remains on my credit file with XXXX. 

Due to the fact that I was not given the proper 30 days from receipt of the notice dated XX/XX/2021 to dispute the debt which was already paid, I was treated unfairly for not allowing me the proper time to dispute the debt, a full 30 days, which Sequium reported prematurely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
I have been trying to have a fraudulent account from XXXX deleted from my credit report with Transunion for years now ( XXXX XXXX account # XXXX ) I have sent numerous letters asking for this account to be investigated and if verified show proof of their right to post this account on my credit report ( my last letter was file # XXXX on XX/XX/XXXX. ) I have showed indisputable proof from the XXXX and XXXX XXXX XXXX that this account is not mine. I have also showed proof that another Credit Bureau has deleted this account as they could not verify its accuracy. In all cases Transunion has responded with a generic response that the account was verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. XXXX  continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have this fraudulent account on my credit report.

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