vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: FL

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX XXXX  Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( XXXX  XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a complaint on Chase Bank about {$1500.00} that has not been credited to my account for a loan that was taken out on XX/XX/2019. Chase made ONE scripted call and nothing has been done. I checked the status with the XXXX  and it said closed because Chase called me? It was a token call with nothing being done just responding to close this complaint. This is horrible business by JP Morgan Chase. XXXX XXXX XXXX Tx is on the other end of this also. Chase had the check and said it sent it to XXXX XXXX of XXXX Tx but XXXX XXXX says it don't have it. I'm stuck in the middle paying interest on the {$1500.00} that I should not be. You might want to try another Bank and Dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I had an Auto Loan with Santander Consumer that was paid off XX/XX/2019. Per Santander the balance was {$22000.00}. XXXX sent them a check in the amount of {$22000.00} on XX/XX/2019. On XX/XX/2019, Santander closed this account as Paid in Full. On XX/XX/2019, this account was reopened and reported as 30 days late with a balance of {$510.00}. I contacted Santander and they could not explain to me how a balance was calculated on my account 2 months after they acknowledged that it was paid in full. This account is now showing as a charged off account on my credit report and has caused detrimental damage to my credit score. I am a XXXX XXXX XXXX   and have been denied XXXX funding due to this charged-off account which is possibly going to cause my business to shut down. I have disputed this account several times and I can not find any relief. Please make this bank stop ruining my credit reputation. I spent {$6000.00} towards the negative equity getting out of this vehicle only for them to lie and place a derogatory mark on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28 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: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
Hello, Comenity has continued to report a balance on my report months after this was clarified. 

It is greatly affecting my credit, as this card is showing 263 % over limit, when the card is completely paid off. 

COMENITY BANK/XXXX  Last reported XX/XX/2020 {$260.00} Open balance {$100.00} Credit limit Balance carried not confirmed Credit limit {$100.00} You're using 263 % of your account 's limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: CA

Complaint narrative:
On XX/XX/2020, I spoke with XXXX about the wage garnishment refunds owed to me since the signing of the CARES Act. XXXX was unable to provide any information about when the other refund checks would be sent or why they have not yet been sent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have returned the XXXX associated with this loan and yet they are not stopping harassing me asking for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CT

Complaint narrative:
I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with TransUnion and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
What is the monthly payment on this account? 
The credit limit is not provided The past-due account is not provided. 
What is the date of the last payment on the account? 
The remaining balance reporting in TransUnion is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from the comment section from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The foreclosure of my home happened while no notices were ever sent to me, nor was ever posted on any part of my residence, I hereby accuse XXXX XXXX XXXX XXXX XXXX and the law offices of XXXX XXXX, XXXX  of violating all foreclosure law and procedures. I have nor had any knowledge of foreclosure activities against me or my property until a change of ownership notice was left taped on my front door. 
I strongly believe the lender and its trustee have broken the law by foreclosing on a property with any Debt validation nor any proper foreclosure notices at stipulated by California civil code 2924. ( a ) through ( F )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$180.00} XXXX  XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXXXXXX {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX/XXXX  XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX/XXXX XXXX {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc.
State: CA

Complaint narrative:
I spoke with XXXX at Delta Management Associates in regard to the refund checks owed to me due to the CARES Act. She was not able to provide any information about the refund checks in terms of when they would be printed, when they would be mailed or an estimated time of arrival. After several days and several phone calls, XXXX mentioned her supervisor XXXX XXXX was either not in the office or was leaving the office early everyday, so she was not able to get any information from him about the refund checks. 

XXXX and XXXX both refer calls to Delta Management Associates for questions in regard to refund checks yet Delta Management Associates has their head up their XXXX and is unable to provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: SC

Complaint narrative:
I have mailed multiple certified letters to XXXX and Transunion regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from Transunion that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from XXXX  out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened new checking account with PNCbank on XX/XX/2020 with signup bonus of {$500.00} when I meet the direct deposit requirements. 
I Meet all the signup requirements and never gotten the signup bonus, And when I contacted then they are saying different reason that I had this account before but that was not mentioned in the terms anywhere. 

I was opened this account when they popup the advertisement when I login their portal for my credit card management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: DE

Complaint narrative:
{$2700.00} XXXX XXXX Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX  XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
After reviewing the credit report from XXXX, noticed account from capital one two accounts are conflicting. 
Account XXXX display two late payments. 
Account XXXX display no-late payments. 
Understanding two separate accounts, however, vehicle traded on the day of late payment displayed for account XXXX. 
XX/XX/XXXX, Capital One Auto extended a line of credit for financing. Traded XXXX XXXX XXXX for a XXXX XXXX XXXX. Upon Trade the responsibility of XXXX XXXX XXXX XXXX failed to send payment to Capital One Finance company which compromised credit and creditworthiness. I am requesting a full investigation and exercising my rights under FCRA for wrongful credit reporting and Unfair Sales practices on behalf of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX  XXXX XXXX   XXXX {$1900.00} XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
SOMEONE OBTAINED AN AUTOMOBILE IN MY NAME FROM SANTANDER CONSUMER USA FRAUDULENTLY, AND THE INVESTIGATION HAS BEEN GOING ON FOR OVER 60 DAYS. I HAVE PROVIDED THEM WITH A POLICE REPORT, ID THEFT REPORT AND IDENTITY THEFT AFFIDAVIT, AND THEY ARE SAYING I HAVE TO WAIT ANOTHER 30-45 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Ditech Financial LLC
State: AZ

Complaint narrative:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
REMOVE THE ATTACHED FTC VIOLATIONS

Company response to consumer: Closed with explanation