vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Im a natural Person and consumer ACCORDING TO THE TRUTH IN LENDING ACT I did two consumer credit transaction with CHYSLER capital acting as the ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT I Credited this transaction with my credit card and signature when applied this information to the credit application ACCORDING TO THE TRUTH IN LENDING ACT I granted CHRYSLER CAPITAL CREDIT according to THE TRUTH IN LENDING ACT Should be no down title 15 usc 1605 says so TILA IM THE ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT Affidavit is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
My home was in foreclosure and I had the loan modified with a lower payment. I have not missed a payment since this modification was completed 4 years ago. I was unaware at the time this modification was adjustable. The mortgage was then sold to another company and then sold a 2nd time. Rushmore management services is now the company that holds my mortgage and they have raised my interest rate from 4.94 % to 5.875 % during a worldwide pandemic where people are having difficulty making payments on their homes! I was advised this was due to current market rates. The rates have dropped to 3.1 % -3.4 % yet they are raising me to an amount I will now have difficulty making payments and Im in fear of my home going back into foreclosure. They have been unwilling to help me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I applied for an apartment at XXXX XXXX. I paid the required application fee. A few weeks later I was notified that my bank frauded the amount out because they assumed it was fraud. I immediately had them to reverse the charges and send that payment back to XXXX XXXX. I received a credit alert stating they had sent this information over to collections and it now on my credit under National Credit Systems pending payment. This is inaccurate reporting information since I paid them. I have even reached out to the collection department and also sent them a copy of the documents. Please see attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, my partner at the time opened a line of credit with XXXX  XXXX XXXX. He added me to the account, because his own credit was not sufficient to open the account on his own. In XXXX, we ended our relationship, but I was never removed from the line of credit. In XXXX, he made a late payment. When I noticed that it was impacting my credit score, I filed a dispute through Experian and was told that it could not be removed from my report. I contacted XXXX  XXXX XXXX and asked to be removed from the line of credit, but because my ex-partner was the primary account holder, they said that removal of my name of the account had to be done by him. I have contacted him several time to have my name removed from the account, and he has not done so. I would like my name off of the account and the late payment removed from my credit report and am unsure how to go about ensuring this happens.

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 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I paid my debt in full on XX/XX/2021 of {$22000.00} to midland credit managet. They have continued to garnish my wages 5 times since than and will not return my overpayment of {$650.00} to me. It has been 6 weeks and I have called 2-3 times a week. None of this was explained when I paid my debt. They just took my money and continued to do so after I thought it was over. Had they explained that paying my debt in full would not stop my garnishment I would not have done so. 
They lied when stating the garnishments would stop if paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: MD

Complaint narrative:
I had 2 credit cards with The XXXX XXXX XXXX, one was charged off and I paid it off immediately. The other credit card I had with The XXXX XXXX XXXX I paid it off closed it myself. This collection agency LTD ACQUISITIONS LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX has no claim against me and can not continue to put false information on my credit reports. They must be forced to prove exactly where they are getting their information. I do not owe The XXXX XXXX XXXX any money and if I did I have plenty of resources to pay them off immediately. I am about to purchase a house and this is a hardship to me. I have disputed this countless times, I have also tried to call LTD Acquisitions and no one ever answers the phone. I don't know what else to do to get their attention so they can address this matter and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank, N.A. is refusing to send funds upon death of account holder. 

Account has a stated beneficiary listed and bank is stonewalling and requesting a new account be opened in THEIR bank in the name of the new beneficiary. 

All requested documentation has been furnished including confidential information which, in retrospect, may not have been required. 

The correspondence reference numbers are : XXXX ; XXXX. 

Correspondence and recorded telephone calls have been made. 

Demand in last phone call for funds payable to beneficiary. 

Bank is stonewalling and requiring an account be opened with possible fees. 

Calls to phone number XXXX can never be forwarded to appropriate personnel further stonewalling and frustrating collection efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 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: PA

Complaint narrative:
On XX/XX/21 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/21 your agency stated that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you,

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 2021-08-30 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: CT

Complaint narrative:
I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Credit Reporting companies XXXX  XXXX  and Transunion all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life

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 2021-08-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Credit Reporting companies XXXX  Equifax and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CO

Complaint narrative:
Credit Reporting companies Experian XXXX  and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am receiving what I believe are illegal emails from someone trying to steal money from me. I received an email on XX/XX/2021 ( attached ) stating I authorized a charge of {$690.00} to " XXXX '' for the purchase of a cell phone. I did not authorize any such payment ; I don't have a credit card or loan thru PayPal ; this was the first I heard of this. Believing it was from PayPal, and without thinking, I foolishly called the phone number in the email to dispute the transaction. The individual I spoke to ( male, middle-eastern accent, couldn't understand his name ) said he would have to report this to his fraud department, and then put me on " hold. '' The same individual came back on and said they would investigate the matter, however, I'm still going to be responsible for the payment. I asked him for details on what this was about, and he said I took out a PayPal credit card ( or loan? ) for this purchase -- making me responsible for payment. I told him I don't have a PayPal account, and I do not have any credit card or loan with them. He asked if I've had any problems with any other sites or banking institutions, and if so, who are they. I told him I had my debit card compromised by someone in California trying to purchase a game app. However, I contacted my bank, they cancelled that debit card and issued me a new one ; no money left my account. Then this fake individual passed this info to someone he was working with. He said he would need to confirm who I really say I am, and he proceeded by asking my name, SSN, email and phone number -- and I confirmed his info. That's when I suddenly realized this is not PayPal, the info in the " from '' line of the email should have alerted me -- but I was too surprised to figure it out. I immediately hung up the phone. However, I'm worried because he has this info. I immediately closed out my PayPal account and forwarded the email to PayPal fraud department. I also called PayPal, and they confirmed the emails are phishing ; there is no credit card or loan with them in my name. Then on XX/XX/XXXX, I received another email ( attached ) telling me the charge has been processed. I did not respond to that email, but I forwarded it ( again ) to PayPal. I feel better that PayPal has confirmed the emails are false ; to disregard them. But I feel what these people in these emails are doing is illegal and someone needs to be aware this is suddenly happening to me. I am XXXX years old, worked for 40 years and don't want someone thinking they can mess with my hard-earned money. I'm still kicking myself for not realizing they were phishing emails. I retired from XXXX XXXX and we get trained on this stuff! How could I not recognize it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
As of XX/XX/XXXX, CCS Collections is reporting a debt as paid when I do not have any debt with them. I took care of my balance to reinstate my insurance with XXXX on XX/XX/XXXX. This morning I called CCS to inquire why they are reporting a debt as paid to them when I never was involved with them and I dealt directly with the creditor. This company has no grounds to be reporting on my credit report. The information they are providing to XXXX and XXXX are inaccurate. Before I made my payment on XX/XX/XXXX, the representative, XXXX told me it would take up to 30 days to reflect to be removed from my report but when I talked to CCS to confirm this information because I saw XXXX removed the account, I was told that they won't remove it at all. This is a clear violation of my FCRA rights as a consumer. This debt is invalid and does not belong to me and should be removed from my XXXX and XXXX reports immediately and not updated to paid because I never handled business with CCS Collections and worked directly with the original creditor. XXXX is sending me a copy of the recorded call in which I will be having professional transcribed as to what was discussed on XX/XX/XXXX. The agreement was that they would notify CCS within 24 hours so CCS should not be reporting this inaccurate information as if I owe the debt to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I have been receiving multiple letters from the law offices/collection agency of Linebarger, Goggin, Blair & Sampson , LLC , located XXXX, Texas. These letters state that I am subject to immediate arrest for unpaid violations/citations and other court matter which do not exist. It instructs me to make a payment of almost {$4000.00} to their agency immediately. I have tried contacting there office ( s ), to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation