vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 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: CA

Complaint narrative:
ive been a vicitim of identity theft

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 2020-06-13 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: CA

Complaint narrative:
ive been a vicitim of identity theft

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 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My car was totaled on XX/XX/XXXX I told my bank what had happened and they didnt care I had made all my payments on time until XXXX because I had wrecked my car fast forward to XX/XX/XXXX my Insurance paid them {$22000.00} but I was still waiting on the gap I sent all my information to gap back in XXXX I waited and nothing I called my bank Santander consumer USA to see what was going on they said call gap I call gap they say call the bank I get the bank and gap on a three way because gap said they didnt have information and the bank Said they didnt have information a month goes by I think everything is dealt wit come to find out the bank has not sent all the information they needed 5 months go bye back and fourth with Santander consumer USA and finally they sent what gap needed so in total {$23000.00} so now im ready to pay the account off right ... ... .nope because I get a letter saying I have {$330.00} in late fees {$740.00} in total so I call Santander consumer USA trying to get this figured out at the beginning of XXXX and I try to pay it and the machine says I owe {$1000.00} now how does it go from {$740.00} to {$1000.00} in less than a month keep in mind the buyout price for the car was {$24000.00} so in closing I believe there is just a gross misconduct of how SANTANDER CONSUMER USA has treated me as a customer and just as a human being not understanding there is a whole pandemic going on in America and not being understanding of that is just coldblooded very coldblooded please help me please and thank you XXXX XXXX XX/XX/XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I had filed Bankruptcy Chapter XXXX but the mortgage was not included on the bk. Last year when I received the discharge, I was checking on my credit and realized that my current mortgage was never reported. Last year, I called several times to ask about this with no answer. This year I started pressing more and called on XXXX and XX/XX/XXXX and both occasions received a letter indicating that under RESPA will be receiving a response within 30 business days but until today no response has been received. 

In addition I had applied for a loan modification extension but it was rejected because when my current mortgagholder pulled out my credit I do not have credit score with Experian as a result of them not reporting to my credit bureaus affecting to be able to obtain credit with other creditors.

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 2020-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/, I sent a letter to National credit Adjustors asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XX/XX/XXXX asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Block, Inc.
State: LA

Complaint narrative:
I sent a person XXXX $ to go as a down payment on a XXXX XXXX XXXX they accepted the payment of cash app n XXXX, said they were on the way but never showed XXXX $ gone down the drain. I need my money bck was saving for a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Tracking XXXX Proof Delivery to XXXX  XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to XXXX Requesting VERIFICATION OF USAA & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched XXXX XX/XX/XXXX. See attatched XXXX Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and XXXX License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. XXXX is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports XXXX   stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? XXXX has Not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under SECTION 609 ( a  ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) Furthermore XXXX failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING XXXX to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE (  ADA 2.1 COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. * The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND XXXX  VERIFY THE XXXX  & USAA ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I HAVE WRITTEN A LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU AND ATTACHED THE LETTER TO THIS COMPLAINT, I HAVE ALSO ATTACHED SEVERAL DOCUMENTS TO SUBSTANTIATE MY LOAN EXPERIENCE, AND SITUATION.

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 2020-06-13 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: NV

Complaint narrative:
This isn't my account.

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 2020-06-14 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: NV

Complaint narrative:
2nd request..these are not my accounts, nor did I authorize these companies to run my credit.

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 2020-06-14 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: NV

Complaint narrative:
2nd request..these are not my accounts, nor did I authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Submission of complaint : XXXX CFPB, 1. I had a 2-year Flex Loan with XXXX. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX, Experian, or XXXX. With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted XXXX multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through XXXX. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, XXXX is still NOT listed on my personal credit reports.

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed 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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I froze my credit with the big 3 when the equifax breech occurred. When i went to temporarly reverse the freeze, equifax required that i provide my ss # ... ... it wasnt good enough to provide the last 4 digits as well as the pin code I was required to save in order to reverse the freeze. It takes a lot of nerve for a company to ask me to punch in my ss # into some computer netherland to a company that lost it to thieves in the first place ... .i know that the freeze is working as i have applied for a credit card and was told hat the freeze blocked the application ... ..clearly, EQUIFAX has my ss # and I should be able to identify my account with the numbers i mentioned ... ..HOW CAN YOU LET THEM CONTINUE TO ASK FOR INFO OPEN TO BREACH!! 


THIS MAY APPLY TO XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing is charging me for fees such as escrow, late, penalties, hazard insurance, etc. without providing a detailed explanation of the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I cant even login to my pnc bank account through XXXX to link it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: NV

Complaint narrative:
2nd request..these are not my accounts, nor did I authorize these companies to run my credit.

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 2020-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is my loan servicer company who I signed up with them in conjunction with a company who is being sued for their illegal practices, the loan they are asking money for is from a school that defrauded me and all of its students the school was called XXXX University a brand of XXXX college. I contacted the department of education because I was defrauded by this school I applied for borrow defense and loan forgiveness I sent Navient a certified letter letting them know they need to contact the department of education in regards to my account, Navient never contacted them. I received notice from the department of education that I have been approved for loan forgiveness because it is a fact and has been proven that that XXXX University committed several crimes and defrauded students and that also the department of education issued predatory loans to students under false pretenses because the schools were proven in court not legitimate and the department of education did illegal things that is why they are being sued as well. Anyway I am writing you because Navient is harassing me and trying to collect money on a fraudulent school loan and you can not do that and Navients practices are illegal considering their is a lawsuit going on with the company that signed me up with them as well as the department of education. I do not want them affecting my credit and harassing me I have the proof of the loan forgiveness now wether Navient likes it or not they have to accept the loan has been forgiven and Navient has no claim to collect on a fraudulent school and it is illegal for Navient to try to collect money in that fashion when it has been proven that the school was a fraud. Also the highlight is that Navient is associated with companies that do loan repayments and those companies are being sued as well. My question is why you allow Navient to continue to operate when they have been sued already for their illegal practices? Navient changes nothing they victimize students trying to go to school to have a better life and that is digusting that nothing has been done with them and they are allowed to prey on people. Please do something! I have proof that my loan was forgiven and I have a receipt from certified mail that I sent Navient to tell them about my account and to contact department of education. I also have a copy from the department of education saying my loan was forgiven. But Navient still continues to harass me which is illegal considering the recent change in events.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: VA

Complaint narrative:
These are not my accounts.

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 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rushmore Service Center, LLC
State: FL

Complaint narrative:
An account was being reported as charged off and closed by XXXX XXXX XXXX on XX/XX/2020. I received a letter from Rushmore Servicing Center a couple of months later stating that an account had be acquired from XXXX XXXX XXXX by Rushmore Servicing Center the letter stated that they are the current creditor and all communications would be handled by Rushmore Service Center. I sent a letter addressing this matter on XX/XX/2020, I requested to receive the original instrument of validity in its original format and not copies of any billing statements that proves that I entered into a business relationship with Rushmore Servicing Center. I received a corresponding letter from XXXX XXXX XXXX  which I found to be a little strange because I sent the letter to Rushmore Servicing CenteXXXX. The letter I received had copies of billing statements and nothing pertaining to my original request. The letter stated that this was considered to be proof of validation but it wasn't at all what I requested. So, I sent another letter on XX/XX/2020 requesting to receive the same information in the previous letter that I sent. The corresponding letter that I received today as of XX/XX/2020 was the same response I received prior to this letter but still no substantial evidence that validates my request. I recently discovered that XXXX XXXX XXXX  uses the same information as Rushmore Servicing Center and operates under the same umbrella to continuning using tactics to deceive people into believing that they owe on these so call debts when they actually don't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
servicer will not validate the loan and will not remove it, servicer is promoting libel and false information damaging me regarding business dealings of which i have no knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: VA

Complaint narrative:
These are not my accounts.

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 2020-06-14 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: CA

Complaint narrative:
These are not my accounts. Please remove 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 explanation
Consumer complaint received 2020-06-14 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: IL

Complaint narrative:
I have previously submitted a dispute to remove the XXXX XXXX account from my Experian credit report. This account does not belong to me. I requested verification from Experian that was used to determine this account belongs to me. I have not received any information from Experian and this inaccurate information remains on my credit report. I would like Experian to provide me with the verification that was used to determine this account belongs to me and then remove the account from my credit report. Please assist me in getting this information updated and removed from my Experian credit report as they refuse to conduct the proper investigation that has been requested.

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 2020-06-14 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: CA

Complaint narrative:
These are not my accounts. Please remove 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 explanation