vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
I have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for XXXX account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via XXXX. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. Account recovery has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: KS

Complaint narrative:
I have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for XXXX account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via XXXX. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. XXXX XXXX has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I will keep submitting this case until the people whos behind PayPal credit pays for the scam they are doing with late fees to consumers like me. The whole problem that yall purposely create with the way we can pay or not our debts are a full fraud to consumers and a violation of federal law. My debt is with PayPal credit, if I want to pay using PayPal because thats the only way I want to do it yall are no one to interfere and limit the form of payments I can use. Ive already explained the problem that you, your company, and PayPal created to charge fraudulently late fees. 

You stated that the only way I can pay on my PayPal account is using an existing linked bank account, let me explain something that you probably arent aware, if thats the case, why PayPal credit have the option of adding a card or a bank on the payment section? 

Man, Im not a fool as you think. 

Im seeking for a whole erase of the late fees, if you, your company, and PayPal creates this whole mess, yall are suppose to stand because yall are in violation of federal law.

I will submit my proof of the matter as I always do to the state attorney, the local news, and I will send this story to the XXXX XXXX  as well. 

Your game is about to go down.

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 2021-12-15 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX. My complaint is that equifax has not remove all the fraudulent hard inquiries from my credit report I have a total of XXXX of them I also faxed a copy of a federal trade commissions I'd fraud report. It was faxed Saturday can you please have equifax remove these fraudulent inquiries from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This loan was paid off on XX/XX/XXXX and was posted as a withdrawal on my account on XX/XX/XXXX. I called the lender, Santander Consumer, on Wednesday, XX/XX/XXXX to find out when I would receive the title to my vehicle. They told me it would be sent out via USPS the next day on Thursday, XX/XX/XXXX from Texas. I had purchased another vehicle from a dealer who gave me a reasonable offer to purchase the vehicle I just paid off. I explained that the offer from the dealer was only good until XX/XX/XXXX and I needed the title to sell my vehicle. The person at Santander explained it would be mailed XX/XX/XXXX and would be here by XX/XX/XXXX. 

I have not received my title as of today, XX/XX/XXXX and my offer has expired and I will most likely lose out on money. What can I do you get my title for my vehicle? The representative at Santander obviously gave me false information, because if they indeed sent it out XX/XX/XXXX, I should have received it by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CA

Complaint narrative:
Experian and XXXX credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing 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 2021-12-15 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:
Equifax continues not reporting my XXXX XXXX Account after removing it from my Equifax Credit Profile on or about XX/XX/2021. This despite XXXX XXXX  XXXX continually reports the XXXX account as an active current account that belongs to me. Equifax removed my XXXX XXXX  XXXX account on or about XX/XX/2021 and never provided a reason and refuses to investigate why the XXXX XXXX XXXX XXXX isn't reporting despite XXXX XXXX  XXXX reporting to XXXX and XXXX every month having recently updated on XX/XX/2021. At one time a representative told me she would " manually '' put my XXXX XXXX account back on my Equifax Profile and assured me it would start reporting by the end of XX/XX/2021. That never occurred and the account STILL isn't reporting on my Equifax Credit Profile. I personally think I'll just go away if they continue lying to me in hopes I'll just get tired of fighting them and their incompetence. I'm NOT going away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Over a month ago, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.

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 2021-12-15 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: NY

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The incompetent credit reporting agency never answered CFPB XXXX. Specifically, I am entitled to a free mailed copy of my report based on : On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. I am XXXX, I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: IL

Complaint narrative:
In XXXX, I ask Transunion to dispute XXXX because they were reporting my account still having a balance of {$890.00}. I also contacted XXXX ( XXXX XXXX, XXXX ) and was sent a letter to show that my balance was XXXX. Transunion made the correction then put the information back on my credit report and is telling me I have to wait XXXX  days for them to investigate. I should not have to wait XXXX  days XXXX claim they sent the letter to them.

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 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.

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 2021-12-15 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: WA

Complaint narrative:
Someone else 's name, address, and hard inquiry appeared on my Experian credit report. The reason is likely that someone having a similar name, having no SSN, and living in the same university housing I lived in many years ago tried to apply for credit. This is not the first time Experian mixed my credit report, and I never had similar issue with XXXX or XXXX. 

I contacted Experian for dispute. They recognized the issue of mixed credit profiles, and they removed the extra names and addresses, but they refused to remove the hard inquiry involved. Experian and the bank making the hard inquiry now both ask me to resolve with the other party. I can not solve this problem by my own, and I'm seeking legal actions. 

I believe Experian is at fault for combining credit reports with their problematic software system ( XXXX and XXXX didn't have any similar problem to me, no wonder that Experian 's poor software resulted in data leaks ). I previously told them not to combine my profile with another having no SSN or having another name, but they are still doing so. 

I believe the banks making hard inquiries are innocent since it is a standard practice to report credit applications without XXXX to credit bureaus, and that banks have no control ( or even any knowledge ) that Experian provided the wrong person 's 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 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I received a first notice of tax sale from a lawyer dated XX/XX/XXXX and contacted the local XXXX XXXX Department of Finance/ went to the courthouse to speak with someone. I was not receiving any of their notices as they were being sent to the previous owner and the reason for it was that only half of the XXXX tax bill was paid. I called SLS on XX/XX/XXXX and informed them of the issue, and was told they would look into it and provide an update. This required two attempts at calling, with the first person telling me that I was bringing up a scam when I mentioned that a lawyer purchased the tax lien since it went unpaid for so long. That first person appeared to hang up on me and did not call me back at the number I provided at the beginning of the call. 

On XX/XX/XXXX, I was contacted by the contact I spoke to with the Department of Finance saying that the tax was paid, but the lien still existed due to unpaid legal fees. I see an escrow analysis document showing the payment on XX/XX/XXXX in my online portal, but I was never told about this or contacted by SLS in any way to tell me that they were paid. I was originally recommended by the Department of Finance to not personally contact the lawyer but to instead go through the mortgage company. I called the mortgage company later that day, and again was met with hesitancy regarding fixing the issue. They refused to take the name and contact information of the lawyer and insisted that they had paid everything even though the Department of Finance disagreed. 

I received a second notice of sale from the lawyer on XX/XX/XXXX by certified mail, though it is dated XX/XX/XXXX in the letter. I was told by SLS that they would fix the issue by XX/XX/XXXX, but I have spent a cumulative 14 hours on hold these past two days without being able to contact someone outside of being hung up on immediately after connecting once. I believe that I am very close to the six months since the sale of the tax lien and have gotten no help or answers about it. 

I have attached the letters sent by the lawyer. The first one got ripped by a pet, but the only difference is " First Notice '' instead of " Second Notice. ''

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I paid off a collection account and the collection agency will not remove it from my credit report. I've paid others and they removed those collection accounts. The last one was removed a couple weeks ago. This collection account is still on my report after I paid it a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am traveling in XXXX with my XXXX daughter. Chime suddenly closed my bank account with no explanation. I have tried to resolve this for over a week with no success. It is absolutely impossible to talk to anybody there. From what I understand they are doing this often and in some cases keeping the peoples money. What is going on with this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
THIS ACCOUNT WITH PORTFOLIO WAS UPDATED AS DISPUTED BUT FAILED TO PROPERLY INVESTIGATE. DID NOT PROVE BEYOND A REASONABLE DOUBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I have already tried before to resolve this fraudulent account with this company. This account is a result of fraud. I have never conducted any business with ERC or XXXX. Its not my debt, and their still reporting it on my credit. I demand a copy of the original contract with my Signature. They are in violation of the federal and state Fair Debt Collections Practices Acts. If they can't or refuse to provide the original contract with my signature binding me to this entity. Which means they are also reporting inaccurate information on my credit profile, which is a violation of the Fair Credit Reporting Act and must be deleted within XXXX days. This is my last time requesting this fraudulent account be removed. I will proceed with legal actions if this isn't rectified expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief