vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: GA

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

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 2021-02-09 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: GA

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

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 2021-02-09 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: GA

Complaint narrative:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TRANSUNION, XXXX, XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

Concerning the accounts listed below as a CONSUMER IM DEMANDING A DELETION of these 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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The date is XX/XX/2017 The amount is {$3100.00} dollars. 
I informed the company capital one that I lost my job and then hurricane Harvey hit so that put me behind but the company wasn't trying to hear that and I believe that's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NC

Complaint narrative:
The charge off date for the account is inaccurate.

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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX XXXX AND TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

Concerning the accounts listed below as a consumer IM DEMANDING A DELETION of these 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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX XXXX AND TRANSUNION any written consent to report anything on my consumer report, No consent is 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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I own 2 investment properties in Hawaii which are used as vacation rentals, both of which are financed through LoanDepot. Due to Covid I have not been able to rent the units. For several months I paid the mortgages timely. Finally I had to request forbearance on both loans. I continued to pay the escrow ( taxes and insurance ) on both with no problems. 30 days ago the problems started. I called like usual and started getting the run around. It took 2 hours to get someone to apply my payments. I then discovered today that the payments were not applied as requested and agreed upon. After an hour on the phone again today, my payments remain misapplied and Im still unable to make payments on the escrow accounts. Collections will not process my payments, they transfer me to customer service. Customer service wont process my payments, they transfer me to collections. Its the most frustrating and bizarre thing Ive been involved with when trying to make a loan payment on an escrow account. Im trying to keep my escrow accounts current so at the end of forbearance its more palatable to try to bring the accounts current by only owing the principle and interest. A manager/supervisor was supposed to call me this evening to get this resolved but never did. This is the second month with the same problem anyway. Someone further up the food chain needs to address the game playing and put an end to it. Its a systemic problem. Having financial difficulty due to Covid is more than frustration enough without having to deal with manipulation or ineptitude by a lender in addition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NY

Complaint narrative:
Credit report has I name on there I have never went by.

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 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2021, a debt collecting agency named Credence Resource Management , LLC filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX XXXX. The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX  Customer Service Representative on XXXX XX/XX/2021 at approx. XXXX XXXX. I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank harassing me with multiple calls daily from XXXX ( XXXX ) XXXX. Asked them to stop and they continued with this tactic

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
My loan was paid off through a refinance of into a new loan. There were {$740.00} in suspense funds that were not accounted for after the payoff was processed. Ive been trying to get info on these funds but no one knows what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: TX

Complaint narrative:
RECOVERY ONE is claiming that I owe them {$190.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey EQUIFAX, I never gave XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX ) : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NC

Complaint narrative:
TransUnion report of account as derogatory is inaccurate account has been paid in full. TranUnion report of status as repossession is inaccurate. XXXX last reported and last active date is inaccurate.

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 2021-02-09 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: NC

Complaint narrative:
XXXX  report of account as derogatory is inaccurate account has been paid in full. XXXX  report of status as repossession is inaccurate. Experian last reported and last active date is inaccurate.

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Opened a Citi checking account and funded with {$5000.00} XXXX XX/XX/2020 ). I originally opened this checking account in order to receive a promotion of {$200.00} that required having it funded with XXXX for over 3 months. Opened an attached Citi savings account funded with ~ {$2000.00} XXXX XX/XX/2020 ). Made a single external transfer of XXXX {$800.00} from savings account in order to pay my rent XXXX XXXX XX/XX/2020 ). About a week later I could no longer make transfers XXXX which I need to do to pay my rent ). I called and was told that their fraud team would look over the account as there was suspicious activity. I verified my identity and told them it was an authorized transaction. They held the account in limbo anyway. I called a few days later as the account was still locked. I was told they would be closing the account. Confused, I asked why. They could not give me an answer. The representative told me that they would require XXXX3 MONTHS to distribute my funds back to me as a check. 3 MONTHS. At this stage I have waited the time and now the accounts are empty. I have yet to receive a check.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/20 I have sent out letters to all three bureaus Equifax, XXXX  and XXXX  about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/20 I have sent out letters to all three bureaus XXXX XXXX and Transunion about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We have been trying to get our mortgage escrow account canceled since XX/XX/XXXX. Despite numerous calls and emails, BSI has repeatedly failed to respond to us. BSI 's poor communication and business practices have resulted in double payment of HO insurance and property taxes, resulting in funds missing from our escrow account. Because our escrow is now negative, they refuse to cancel it and continue to bill us each month to fund it. We call and get promises to escalate and get back to us, but nobody ever does. When we follow up, we find that nothing has been done and we're given more promises that aren't kept. We've followed every request they have made, provided all information they have asked for, and yet BSI has done nothing to resolve the situation or even call us back. The one time we got a call - after escalating to a BSI executive ourselves - we happened to miss it. Despite calling back 6 minutes later, the person didn't answer and never returned our call. Tried again the next morning. No pickup, and no callback. 

Bottom Line : BSI needs to return thousands of dollars to our escrow account, and cancel it per our original request. After 8 months, it's obscene that we can not get a resolution or even reasonable communication as repeatedly promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX which was financed through Santander Consumer USA with monthly payments of {$510.00}. During this time, I have filed 4 emailed complaint, 2 written complaints, numerous phone calls to complain about the amount of money I have paid for this car to still owe over {$14000.00} as of XX/XX/XXXX. The monthly payments are {$510.00}, but I never understood why my principal has never gone down no matter how much I pay. During this time, I see that of the {$510.00} payments that I have made, if this is not paid on the due date almost none of this payment goes towards my principal. This loan was not designed for me to pay it off, but to continue in debt with no financial means to fix my vehicle when needed. I tried to refinance my loan but because the balance was so high the 2 companies that I went to after reviewing the loan declined because I could not pay the {$9000.00} deposit needed. Over a year and half ago I reached out have my due dates changed, I had experienced a national disaster and my home getting struck by lightning. When I reached out to Santander, they advised me they could not help me. I had not had any late payments reported to the credit bureau until I asked for assistance. Because the payment date change that I requested was not granted, Santander reported me 30-59 days late to all major credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent my payment information, my dispute of what Santander said I owed, and now that they have destroyed my credit and trapped me in this outrageous and unfair trade practice loan, I still am in debt on a car that is worth less than {$4000.00}. This loan is now 5years and 8months old, how can me paying {$510.00}. for this length of time does not pay for this car. Why have they practiced unfair and bias trade practices to me throughout my loan process. They do not offer any modifications, and when I purchased my car, I truly was not made aware that if the loan payment was not made by the due date that it may be no money at all that goes on my principal. I was never made aware of that at all, and unfortunately, I was diagnosed with XXXX  which is why I feel that I was taken advantage of. I work extremely hard to pay my bills as I agreed too, but this company is robbing consumers, taken advantage of the underprivileged, and placing me in a loan that was never designed for me to pay it off. I made my last payment on XXXX XXXX in the amount of {$520.00}, but {$210.00} went towards the principal and {$290.00} went towards interest. Why are they still applying this kind of money towards interest? Inflation, unfair trade practice, deceptive trade practice, and designed for consumers like myself to fail in the auto loan they tricked me into. HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report.

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation