vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
A loan modification was done on my Santander USA account to close out the account, maturity. I did not realize that the late fees that were added on the account from prior years were not included in the modification. When I thought I was making my last payment, there was approx. {$800.00} left on the loan from fees. By the time I realized this, my account was now 30 days late. I paid the {$800.00} in full within that month to close the account, and then it showed the next month I was 60 days late. We are closing on a home and I have worked hard for 2 years to get all of my accounts in good standing. This was one of the accounts, I have made a year and a half on time payments. I would not have let this account be late because this would be very detrimental to my situation. I have contacted them and filed dispute after dispute with credit bureaus, but there is still the 2 late payments on my credit report for XXXX, XXXX and possibly XXXX of 2021. They need to be removed.. We are closing on a home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/30 I tried to pay an invoice I received through XXXX when I reset my password because I was unable to access this account, I found out the account was in somebody else name with fake address and dont know what else fake info used. XXXX let someone else use my email to access my account without a minimum security step.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FC HoldCo LLC
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft FLAGSHIPCR Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

4. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: FL

Complaint narrative:
In XX/XX/2017, I purchased a vehicle from FLAGSHIP CREDIT ACCEPTANCE, I was being XXXX a month later so I returned the Vehicle to dealership two weeks after purchasing. My deposit of {$3000.00} was never reimbursed and the car was sold to another consumer for {$19000.00}. They reported the account as charged off for the amount of {$4800.00}, but they are still the account holder for the past four years. All my communications and disputes has bore no result. This has been hurting my credit for the past three years and they refuse from removing it.

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 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
As of XX/XX/2021, I was invited to invest in crypto currency by Robinhood and XXXX. Due to the approval of the SEC and the SPIC, my choice to partner with these companies clearly trusting the SEC, SPIC oversight for a fair market. The advertising clear XXXX fees {$3.00}, {$2.00}, {$1.00}, {$.00} and a small % of possible costs. Then Robinhood NO commission 's and XXXX transaction fees. Understanding these points of advertised service is BAIT. Now 6 months of activity has revealed a automated Pyramid scheme, solely relying on multi-departmentalize misinformation advertising campaign with misleading advertising terminology and a real-time vs. Ever-changing predatory algorithm set setting unfair market margins and the automated algorithm that ignores orders made, without excuse and instant buy & sell option that is predatory and like XXXX algorithms giving the user a private varying graph set that is tuned to that user 's investment activity. Termed BAIT & SWITCH automated pyramid scam operated by a broker/dealer falsely listed as a fair inflation market exchange named ROBINHOOD and XXXX. The automated and employee response has been summed up as " don't use it. Or, So do you have screenshot evidence of your concern of unethical or technical problems? '' Both, aren't a excuse. 
As for XXXX has presented similar issues with the same or similar predatory investor algorithms in addition NO order options only the Buy & Sell buttons. Now the price you sell at is NOT firm, it continues to change for minutes and/or an hour after the transaction is final, termed Securities Fraud. Due to one professional attempt to resolve these concerns with Robinhood and noticable automated retaliatory activity when firm orders go ignored more then 40 times in one instance, I have reserved myself and awaiting a SEC enforcement action to be compensated for my claim for monetary damages and emotional destress in addition to avoiding all unnecessary legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX, XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditor so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia
State: CT

Complaint narrative:
They have called me twice leaving two different voicemails from two different numbers : XXXX and XXXX. Once was at XXXX on XX/XX/21 and the other at XXXX on XX/XX/21. They state that they are a credit control corporation claiming to be a debt collector for a debt. I have called them back and ask them about their own company, asking what is the name of the collection company, their company address and a phone number, but they refuse to give me any information without me giving them my full name which I refuse to do until given more information. All my debts that I have are being paid monthly which I can see online for every company I have taken a loan with, my credit card, etc therefore there should be no debt needing to be collected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
THERE ARE CHARGE-OFF ACCOUNTS ON MY XXXX, XXXX  AND XXXX  CREDIT REPORT THAT DONT BELONG TO ME. 

1 ) CB INDIGO CBNA ACCOUNT # XXXX 2 ) CITICARDS CBNA ACCOUNT # XXXX 3 ) XXXX/XXXX/XXXX  XXXX  ACCOUNT # 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 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to dispute a charge of {$560.00} to my Citi Credit card account on XX/XX/2021. The charge is in error because I was overcharged for a car rental. I have paperwork stating that I am to have the car rental from Saturday, XX/XX/2021, XXXX Sunday, XX/XX/202 XXXX and to be charged {$260.00} USD ( confirmation XXXX ). I was charged {$560.00} and for the dates of XX/XX/2021, to XX/XX/2021, which is two additional weeks that was not approved, nor was i even in the country for. This is a {$290.00} overcharge. 

The car rental was in another country XXXX XXXX XXXX XXXX, which unfortunately, I do not speak the native language. I showed my paperwork to the service desk and was under the impression that XXXX would be ethical, and I would not be taken advantage for being a XXXX  and be over charged for my rental. From what I could understood, verbally, I would get a deposit back. I have been trying to get this error fixed as I have contacted XXXX and Citi Credit Card. I have no issue of paying the {$260.00} ( which I have since paid off on my credit card ). 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of my XXXX confirmation as well as receipts with the unauthorized return date of XXXX to help supporting my position and experience. Please help me to correct the error on my account. 

Sincerely, 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 explanation
Consumer complaint received 2021-06-30 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Hi CONVERGENT OUTSOURCING, INCXXXX ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
We were behind in our house payments by about {$9400.00}. We took advantage of the XXXX  program in the fall of XXXX, that President Obama had just started. The XXXX program assists in getting you caught up to current. Then they assist you with a monthly amount for 3 years. After that you are to stay current with your payments for 5 years, and then the loan is forgiven and you get the lien release. Because of unemployment, in the summer of XXXX, we got behind by 3 months. The XXXX allows for a 2 month skip. HUD wants us to pay back the full amount of {$32000.00}. The break down assessment that HUD sent us showed the 3 years of monthly assistance, and the amount that our lender, TCF Bank  charged. I do not have an issue with paying back the monthly amounts of assistance, but there is a {$22000.00} amount form the lender that does not have break down. I have been in contact with HUD, but they have bot been able to get any answers fro TCF. I also have tried contacting TCF and their response to me was that their records have been deleted because of the length of time since we started the XXXX   program. I am not sure why HUD does not have that {$22000.00} break down. We would like to take advantage of the current low rates, but can not until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX XXXX  and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation