vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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:
In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.

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 2020-05-18 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:
In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loan care said they paid my escrow payment on XX/XX/2020. I called XXXX and they still do not have the money. The escrow was short XXXX so I paid that right then. I have called LoanCare and always keep getting hung up on after a long hold. They said they sent the check, it was sent to a incorrect address. The amount they sent to XXXX was {$1200.00}. LoanCare also told XXXX they would fax a copy of the check to them which LoanCare has not. XXXX calls LoanCare and is on hold and gets hung up on as well. I have called and called I have asked the 2 companies to work together to get this resolved and nothing. I do not want my rental home owner 's cancelled since LoanCare and XXXX are not playing well. Please see if you can assist. Thank you so much. I will attach the Loan Care note saying it was sent and 2 bills from XXXX and my notes. Please reach out if you have any questions. Thank you. XXXX XXXX House is on XXXX XXXX XXXX. XXXX XXXX OH XXXX. My phone number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: MD

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX and my loan is with Chrysler Capital. I ran into some really hard times at the end of XXXX and my vehicle was repossessed XX/XX/XXXX. I gathered all of the funds to get my car back and retrieved it on XX/XX/XXXX. Recently I received an alert on my credit monitoring site the the loan was CHARGED OFF. I contacted the bank and they explained that because of the amount of days past due the loan had in fact been charged off and will continue to report that way even though i brought the loan current and have been making payments on time ever since. I need the accurate status of the loan to report to the credit bureaus so that my payment history can improve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NE

Complaint narrative:
We continue to get charged PMI on a monthly basis. We have called multiple times and paid additional dollars toward principle without any success. We even paid for an appraisal which was a waste of money as the lady spent 5 minutes at our home The latest request we owed XXXX on our mortgage and our original house purchase was XXXX. At this moment we requested the removal for pmi for the third time. We escalated and never heard back. In the meantime I paid another XXXX to reduce our balance to XXXX well below the 78 % automatic removal. Again in XXXX we were charged. They make this process difficult, tedious with lots of hoops. I feel like they have now wrk fully charged us over 800 dollars and we spent multiple Hours on the phone with TMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/2020, My XXXX XXXX  account was settled with a 3rd party collection agency ( XXXX XXXX XXXX, XXXX XXXX ). I was emailed a proof of letter account satisfied. This account was removed from the credit bureaus as per the terms i had with XXXX XXXX XXXX XXXX once account settled in late XX/XX/2020. On XX/XX/2020 Mid West Recovery Systems ( XXXX ) reported the same account which, l ready paid in full to XXXX XXXX. I attempted to notified them numerous times to get this account removed as far as even providing receipt to them. They have been harassing me and threatening me to pay off this account. XXXX from XXXX XXXX has even gone out of his way to help by contacting them and leaving multiple voice mails to get account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is incorrectly changing my credit score and is not using the proper information to calculate my score. My score has dropped over 100 points sometimes twice in one day. I have complained about this before and it has not been handled properly. Transunion is using a biased system to score me and I think im being retaliated against for filling complaints. Based off similar people with the same situations my score is biased and should be investigated completely.

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 2020-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr Cooper Mortgage XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Mr Cooper ATTN : Payment Processing XXXX XXXX XXXX XXXX Texas XXXX My Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX ( XXXX ) XXXX Please Help XX/XX/XXXX I informed Pacific Union of significant tax changes ( Exemptions ) to my escrow. 
XX/XX/XXXX Pacific Union sold my VA mortgage to a Mr Cooper without a notification to me. 
XX/XX/2020I received a certified letter from Mr Cooper threatening foreclosure. Mr Cooper returned my mortgage payment to my bank refusing to accept the payment. Mr Cooper has added frivolous fees to my escrow. 
XX/XX/XXXX I have attempted to call Mr Cooper and I have left several online messages with Mr Cooper to resolve the matter. 
XX/XX/XXXX I changed my payment to Mr Cooper, however the payments come back under a Nationstar Mortgage LLC as the owner. 
I contacted XXXX Banking and they are investigating the matter of why the payments are returning. 
XX/XX/XXXX A Mr Cooper representative called me and informed me I needed to refinance in order to fix the issue. 
* At this point I am not sure who to pay my mortgage to ( Nations, Mr Cooper or Pacific Union ). 
Mr Cooper is taking advantage of not informing me of any type of transfer of my mortgage and is using it as a way to sell me to refinance. 
Mr Cooper keeps sending me Covid 19 refinancing emails, however will not return my calls to resolve the mortgage issue. 
I believe this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Assoc XXXX : I no longer owe this debt. It is also past the statute of limitations and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXXXXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

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 2020-05-18 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

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 2020-05-18 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX XXXX {$670.00} XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: OH

Complaint narrative:
I was a victim of ID theft and I am trying to protect my credit file because of a unauthorized access to my credit. I found new accounts that have never appeared before on from the following copmanies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX . PLEASE DELETE THE ABOVE UNVERIFIED ACCOUNTS. I am disputing them again under 611, 623, 609 FCRA.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has the wrong telephone number, inaccurate accounts, and possibly other inaccurate information under my name. I have tried to log into my account on my.equifax.com account multiple times and it won't let me log in. I have inaccurate accounts that I have disputed, but I had to call their customer service line to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The following pertains to a 9-mo Wells Fargo CD for roughly {$100000.00}. 
XXXX - The CD matured. 
XX/XX/XXXX - I called Customer Service, who agreed to roll the funds into my Savings account. 
XX/XX/XXXX - I called back to confirm the funds were moving and was informed the previous agent hadn't submitted the forms correctly but they'd now been re-submitted and would close in 2 days. 
XX/XX/XXXX - Called back and was referred to a Customer Care representative who stated that there was nothing he could do as the CD was now out of the grace period. He then suggested I go into a branch office to try and resolve it. Logistically, this is a problem and is contrary to what the branch executive told me prior to my calling Customer Service. He then offered to have a member from their Case Management Team would contact me in 48 hrs because he was out of options. 
I have all names and times of my contacts.

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 2020-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am disputing the balance of XXXX of a XXXX XXXX XXXX, by credit acceptance. I have been in constant communication with the Credit Acceptance Corporation since the purchase of the vehicle in XXXX. Immediately following the purchase, the vehicle engine went up and had to be replaced. Following shortly after engine going up, the radiator went up on the vehicle. I have been trying to give possession of the vehicle back to credit acceptance since XXXX. Am have expressed numerous times that the vehicle was a lemon and that they could come pick the vehicle up from a location given because I no longer wanted to deal with the trouble. They told me several times that they would pick the vehicle up over the course of the year of XXXX. They then told me that they were not interested in possession of the vehicle. I at that point took the tags and insurance off of the vehicle and stated again that they could come pick the vehicle up from the given location. They failed to do so. Then they sought out legal representation from the law firm of XXXX, XXXX XXXX XXXX to try to get me to pay a portion of the owed amount of the vehicle. I sent a response via certified mail to their law office stating the history I had with their client, the vehicle and how I tried repeatedly to negotiate with them. It was taken off my credit report shortly after and I hadnt heard anything since XXXX of XXXX. Now they have put the amount for the full price of the vehicle back on my credit report because the law firm is stating that they couldnt get in touch with me since XX/XX/XXXX. They have had my email address, cell phone and address at all times since dealing with me on this issue, so I know that the reason if not being able to contact me is a lie on their part. I have tried to no avail to handle this issue civilly with Credit Acceptance. At this time I have already disputed their claim to the XXXX company to have it removed completely from my credit report for good. They advised me to file a complaint with consumer finance so that what Im doing. Thank you for reading over this complaint.

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 2020-05-18 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: PR

Complaint narrative:
I have written to Synchronic Bank about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.

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 2020-05-18 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: PA

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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