vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
After being in the XXXX for 3 months and getting out explaining the situation with the company they still illegally repossessed my vehicle. I told them about the laws that our state had in place to protect XXXX victims and they still proceeded to repossess the vehicle. They also reported false information and a false address on my credit they never notified me of anything pertaining to the vehicle until after they took it and all my things. All my personal belongings is in the vehicle. I paid {$2500.00} pre payment to allow me some time since I was having a XXXX not knowing I was going to stay longer due to XXXX. Everything that they were saying about this company in the lawsuits are correct they changed my vehicle price and loan information to be feasible to them. The money orders my XXXX and identification is in the car along with other valuable things. Still to this day I have not received notification that they have my vehicle. In Georgia they must notify customers within 10 days via certified mail for repossession and I was not even supposed to be repossessed. Horrible customer that tries to get over on everyone. Their business is about to go down forever for the wrongful business they have been conducting. A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: ProCollect, Inc.
State: TN

Complaint narrative:
I have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.

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 2022-01-21 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 has been mailed and faxed XXXX XXXX 6 different times and each time they claim they did not receive the documents and they do not upload the items i have provided and mailed tracking numbers showing they did receive and they refuse to block and remove items which are fraudulent. namely the XXXX account and 9 different inquiries. this is my last attempt at resolution to block these items from my report otherwise i will seek legal lawsuit for damages caused by ignoring the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I authorize a transaction for {$31.00} to be transferred from my bank account and I charged {$300.00} instead. I disputed this transaction with my bank wills Fargo but they didnt resolve the issue.

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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The following phone number sent me a link stating that my bank- JP Morgan Chase, had frozen my account and to follow a link to unfreeze. Following the link it opens to an offical looking chase login site. They requested information such as SSN, driver 's license #, account info, etc. The phone number that sent the link was XXXX ( XXXX ) XXXX and the link XXXX XXXX XXXXXXXX. Once we called Chase to ask it this was from them they told us they would never text us or send any links.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I settled the debt with midland credit as of last XXXX 2021. I have records that prove the amount we agreed upon. The lawyers office said that they sent a letter, and I also sent a letter that showed the amount agreed upon was paid and settled. It is still showing that I have money owed, when it was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I submitted a complaint on here the cfpb site to Equifax. This was to simply state that they failed to conduct in investigation about a dispute I mailed certified in XXXX. I still have not received a response. I just got a response on here that did not address my issue at all. It's like they didn't take the time to read it. I will not be played with like this. It is wrong and no entity is above the law. My consumer right continue to be violated and this is not going to fly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: AL

Complaint narrative:
XXXX and Experian wrote stating that XXXX XXXX and XXXX XXXX court verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. XXXX and Experian failed to investigate by contacting 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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM at ( address of company ) has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company 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 2022-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally financial billed me for {$2200.00} XX/XX/2021 I objected to the amount and they told me it was a mistake which was a computer generated invoice and said they would send a corrected amount. 
They then sent an invoice for {$950.00} without any breakdown of charges. 
I called and asked for the detail and was it would be mailed. No detail invoice was ever provided. They began harassing me with collection calls and I repeatedly asked for a detail invoice. This went on for quite a period of time. Eventually they said they would email the invoice and on XX/XX/XXXX they invoiced the original incorrect invoice in the amount of {$2200.00} They continue to make harassing calls and refuse to provide a breakout of charge. 
In one conversation the agent said I owed some personal property tax and daily charges for the turn in date after lease expiration but the dates don't coincide with the actual return date. I was told I could email XXXX. for end of lease issues and I did but she doesn't respond. I also called her line at XXXX. She does not return calls either. All of their emails come from a " noreply '' account so I can not communicate to them via email. 
I would like to resolve whatever amount is due but I can not get any cooperation from anyone at Ally. Your assistance will be appreciated. Ally financial should be suspended from providing any financial services to the public.

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 2022-01-21 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: FL

Complaint narrative:
i have mailed and faxed 4 different times my fraud affidavit and each time i have been told that they did not receive the documents. i have provided tracking numbers showing that it was and they ask that i send through the mail again. this is the last attempt at correcting this before i seek damages for not adhering to the FCRA and removing inaccurate fraudulent information from my 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 2022-01-21 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: AL

Complaint narrative:
Equifax and XXXX wrote stating that XXXX XXXX and XXXX XXXX XXXX verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. Equifax and XXXX failed to investigate by contacting XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CA

Complaint narrative:
In XXXX of 2021, the XXXX XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The Credit Union agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with Transunion, XXXX, and XXXX. With transunion, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on XXXX and XXXX. However, as of today it is reported late again on both XXXX and transunion. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.

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 2022-01-21 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: CA

Complaint narrative:
In XXXX of 2021, the XXXX  XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The Credit Union agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, Equifax, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on equifax and XXXX However, as of today it is reported late again on both equifax and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
In XXXX of 2021, the XXXX XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The XXXX XXXX agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, XXXX, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on XXXX and XXXX. However, as of today it is reported late again on both XXXX and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.

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 2022-01-21 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: Self Financial Inc.
State: TX

Complaint narrative:
Payment was due to Self Lender credit app, which I have auto payments activated and two forms of payment set up. Primary form was my bank account ( routing number and checking account number ), and the second form way my debit card directly linked to this bank/checking account. The auto paid amount declined, which I later realized it was due to my putting in the incorrect bank information, and my debit card ( my 2nd form of payment ) was never tried. It was immediately declared a missed or delinquent payment and dropped my credit score around XXXX points. Ive been building my credit score for years m, working very hard and had successfully went from a XXXX to a XXXX, which took over two years to get accomplish. Then with this one missed payment, which I manually had to pay upon swing the dramatic score drop and realizing something had gone terribly wrong, erased an entire years work of credit building. Im a single mom, who doesnt receive court ordered child support and I work full time. Im trying my best to get a home for my son and I. But now, I dont even qualify to have a conversation with lenders such as XXXX because my credit score is below their minimum of a XXXX. Had Self used my second form of payment when my first form declined, the payment would have gone through. Theyre supposed to help build your credit. Thats there XXXX. and entire purpose of existing. All theyve done is ruin mine. Please help. Ive disputed time and time and time again to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MN

Complaint narrative:
There is a student loan which the agency ( XXXX ) listed as the source of the loan on the credit report indicated wasn't mine. Letter is attached. The letter gave specific instructions on how to clarify issue. Suddenly nearly XXXX showed up on my credit report. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MN

Complaint narrative:
There is a student loan which the agency ( XXXX ) listed as the source of the loan on the credit report indicated wasn't mine. Letter is attached. The letter gave specific instructions on how to clarify issue. Suddenly nearly XXXX showed up on my credit report. It needs to be removed.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I am in the process of trying to refinance a home using PennyMac. I have paid the down payment of $ XXXX for the appraisal, and in midXXXX XXXX an appraiser came to the home. He was here very briefly and spent most of the time outside. He took a few pictures inside and left, XXXX minutes outside the home, XXXX minutes inside. The home appraised for AT LEAST {$35000.00} below its value. This is because he appraised it as a XXXX bdrm, XXXX bath home with a den, when in fact it is a XXXX bdrm, XXXX full bath home. He missed taking a picture of the main water heater. He missed taking a picture of one of the bathrooms completely, and substituted one he found on the internet!! The bedroom was missed because he stood in the doorway to take the picture. After the appraisal was complete, I contacted the loan XXXX about the errors that were made. He asked for pictures of the rooms and anything the XXXX missed, which I sent, and promised to have their appraisal department look into it. This has not happened. My complaint with PennyMac is, they have ignored me, they've lied to me and they've cost me a great deal of money. I get inconsistent information from each person when they call, different closing amounts and different or no information about the appraisal. When I'm on the phone with them they don't listen, are rude, and talk over me. They are requesting {$38000.00}? {$34000.00}? be brought to closing, I don't even know. This is how inconsistent they are. This is ridiculous. I've asked them repeatedly to correct the appraisal and I am constantly getting the runaround. Today, XX/XX/XXXX for the first time they suggested I talk to the XXXX myself. This is not my job. They hired the XXXX, it is PENNYMAC 's responsibility to remedy the grossly incorrect appraisal that was done. Later in the day, another person called to tell me that Pennymac and myself have to accept the appraisal as is regardless of the mistakes, and that PennyMac does not have an " appraisal department ''. And further they have asked repeatedly for proof of funds to close, which I have provided repeatedly to different people. I took money from retirement, and paid taxes on it. I am regretting having done that, I am regretting having chosen PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Sent a request form into XXXX XXXX XXXX XXXX XXXX for credit reports with the 3 credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX, I ordered a dresser chest from a company called home cinema center. On XX/XX/2022 it was delivered, upon delivery the box would not stand up, opening the box the chest drawers was severely torn, the legs on the chest were broken off as well as the box being severely torn. I tried contacting the company with no response. After the company received a chargeback, I began receiving harassing and defamatory emails. I contacted Paypal credit to get help on XX/XX/XXXX, to file a dispute. I asked the representative where do I send the pictures showing the damaged merchandise. I was told that, that was not necessary on XX/XX/XXXX PayPal credit sided with the merchant without notification or any update. On XX/XX/2022 I spoke with a supervisor that instructed me to upload all supporting documents and pictures. In which I did via message center through PayPal as well as by fax. I am now out of the merchandise and being billed for merchandise that I do not have.

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 monetary relief