vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( XXXX ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between XXXX and Experian. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly 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 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I have been in contact with AmeriSave Mortgage Lender and they're doing fraudulent moves. They're trying to charge me {$500.00} to lock me in a rate, actually they say I can pick my rate which it doesn't make much sense. They had a lawsuit before becuase of this and they continue to do it. It was strange to me and thankfully I researched a little before making any payment. But I'm concerned that I provided my personal information such as social security.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander consumer the account was closed and sold to XXXX. It was then written off as a profit and loss. The account was closed XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA credit card held a credit card payment for 7 days. In the mean time, auto-draft bills from the credit card account got declined and USAA had no resolution on and offered no work around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation for those two companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in XXXX for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
ConServe reported an account to my credit report without any written communication that the debt was placed in collections, the ability to dispute, and I was never late on my payment with the original creditor. 

I pay monthly for a class that I took at XXXX XXXX of XXXX XXXX. I've never been late. ConServe placed the account on my credit report and said that I'm late on Payment for XXXX ( even though payments have been made ) and never alerted me that the account was placed in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I received a notification that I had a new account in collections. The problem with this is that its an account that was already paid off & settled with ( XXXX ) another collection company! I submitted a dispute on XX/XX/XXXX with VALID proof of settlement yet XX/XX/XXXX& Credit Management LP ( suspicious debt collector ) have not removed nor come to a solid solution to this. I submitted a 2nd dispute on XX/XX/XXXX & currently waiting on results. Im Furious because I had this happen last year after settling that account & my dispute was successful, so what makes this any different?! theyre literally the same situation just different dates & companies!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Sunrise Credit XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 The following items are listed fraudulently on my credit report. I have not did business with these companies or authorized them 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 2021-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I received a letter from Aargon collection agency attempting to collect {$150.00} for XXXX XXXX for a visit on XX/XX/2019 that was paid by my insurance.

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 2021-06-11 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: TX

Complaint narrative:
In XX/XX/XXXX, my daughter was involved in an auto accident in which the insurance company deemed the vehicle as a total loss. In XX/XX/XXXX, the insurance company submitted a settlement check as well as the extended warranty was canceled and the proceeds were also forwarded to Santander Consumer USA. At the time of the accident, there was a total principal amount due of XXXX. This also does not include any past fees or late charges that are due. After speaking with Santander numerous times in XXXX  while navigating thru the insurance claim, it was my understanding that what was received from the claims would apply to principal. 

In XXXX XXXX XXXX issued a check in the amount of XXXX to Santander as part of the insurance settlement claim. Also in XXXX, XXXX issued a check in the amount of XXXX from the canceled extended warranty. Total net proceeds was XXXX which would have left a principal balance of XXXX. 

In an attempt to negotiate with Santander to close out the loan, the amounts due are not matching up. They are seeking XXXX when one screen says XXXX due with an account balance of XXXX. The company refuses to settle for less based on company policy after their own agents told me over the phone that once it left the insurance department that I could create a settlement agreement on the deficiency balance and now are threatening to charge the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have filed 2 previous complaints, the last one was XXXX. The name of your agency is CONSUMER Financial Protection Bureau. I don't understand why you accept any answer from Wells Fargo, then close the case. They didn't answer my question last time, they simply resent a bunch of paperwork that they did the time before, so it looks like they are responding. My question is exactly the same as the last complaint. 

I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {XXXX} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court. 

I'm not sure what value this XXXXureau is if you aren't listening to the CONSUMER!

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/21 I XXXX XXXX spoke on the to XXXX Ticket # XXXX at approximately XXXX XXXX, who is a representative of the company LexisNexis.They have gotten my personal information ( BANKRUPTCY ) and furnished it to the credit bureaus like XXXX, XXXX, and XXXX  I stated law 15 USC 1681b " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report report under the following circumstances and no other : in accordance with with written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. I am a protected consumer and I have the right to PRIVACY!!!!!! I did not give LexisNexis any written consent to have my personal information or to send them my personal information. 

After stating law to XXXX he kept telling me that a Bankruptcy is public information and it stays on your report for 10 years. I told XXXX that NO CONSENT IS IDENTITY THEFT AND FRAUD. Are you saying you are consenting to committing identity theft and fraud? XXXX was quiet and said that he needed to place me on a hold. After placing me on several holds and me going back and forth I stated 15 USC 1681n. I told him Lexis Nexis would be in violation of Civil Liability for Willful noncompliance. I said if you can not help me I would like to speak to a Supervisor. He placed me on hold again and came back to tell me there were no available Supervisors and that they would call me within 24-48 business hours. After that I called on the XX/XX/21 and I spoke to XXXX at approximately XXXX : XXXX XXXX. I got the same result. Then I called again on XX/XX/21 at approximately XXXX XXXX  and I spoke to XXXX. I got the same result except they said a Supervisor called me on XX/XX/21 and they left a voicemail. I asked well what time did they leave the voicemail they said they did not have that information. After hanging up I checked my call list and I did not see any calls from Lexis Nexis. Also I checked my voicemail and I did not receive any voicemail 's from LexisNexis. I believe Lexis Nexis is refusing to remove the BANKRUPTCY after knowing they are in violation. I have even talked to the BANKRUPTCY COURT and they told me they do not provide Credit Bureaus with this type of information. I have asked all three agents of this Corporation to provide me with a letter or a date when I gave them permission to to have my information Pursuant to 15 USC 1681b. I demand they delete the entire report and I have sent in a request to OPT-OUT of the Lexis NEXIS reporting pursuant to 15 USC 6802 ( b ). I XXXX XXXX, speak as the natural person and I demand deletion of this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
I sent a dispute letter to Experian dated XX/XX/2021 requesting for the chapter XXXX bankruptcy and chapter XXXX bankruptcy listed on my credit report to be validated. I did not receive a response at all within 30 days. I sent a second letter dated XX/XX/2021 notifying Experian that I had not received a response to the letter I sent in XXXX requesting validation of the alleged bankruptcies. I received Experians investigation results by mail dated XX/XX/2021. The results stated the company that reports the bankruptcies to Experian stated the bankruptcies are accurate. I sent another letter dated XX/XX/2021 requesting to receive in writing who reported the bankruptcy to Experian as I am entitled to know under FCRA Section 609. I received acknowledgment of my letter dated XX/XX/2021 by mail on XX/XX/2021. On XX/XX/2021 I received an email from Experian with their reinvestigation results stating the company that reported the bankruptcy to Experian certified that the information is accurate. Experian has violated my consumer rights by not providing me information I am entitled to according to the FCRA and Experian has completely ignored my request. Also Experian is reporting unverified information as far as I am concerned because to my knowledge bankruptcies are not reported to the bureaus and Experian has not provided me with who certified the alleged public record to them. Anyone could be reporting items about me and claim it is my alleged debt or public record. I am requesting that Experian provide me with the information I requested which is who is the company that certified accuracy to Experian including the name and phone number of the person Experian spoke with or I am requesting that this unverified information be removed 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 2021-06-11 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TX

Complaint narrative:
Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

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