vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
The car was totaled and a large lump sum was applied to the principal balance. The payments I have submitted afterwards has not deceased the balance and the company told me it's because it is all being applied towards interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.

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 2020-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, TX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STATE OF TEXAS/XX/XX/XXXXXXXX Open. 
{$2100.00} XX/XX/ STATE OF TEXASXX/XX/XXXX XXXX Open. 
{$800.00} XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is the only bureau that is still reporting an old item that shouldn't be on my credit anymore. I have sent several disputes to Equifax with no response back. 
They are still reporting a XXXX XXXX XXXX account and it is over 7 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NY

Complaint narrative:
Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX XXXX account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This was an amount placed on my report due to a health club not allowing it's customers to cancel their memberships. 

I cancelled this account on XX/XX/2016 in person at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX When I told them i was cancelling my membership they said I can not do this in person, and I needed this in writing. I was not happy that they allow you to sign up in person but refuse to allow you to cancel your membership in person. 

I told them this was not above board and may be illegal. I went home and brought back a signed and dated document that stated I was enjoy my membership of lifetime. Since this was a month to month agreement I told them to not charge me beyond 30 days of this date. The front desk employee told me that her owners stated that there had to be a verification system through a third party vendor to cancel my subscription. I asked for this information. They said you can not call them, you can only email this information. 

I said let me get this striaght, I can not cancel this in person or in writing and the only way to cancel this is to email this third party service? 

I emailed the third party service many times and they never returned my emails. I spoke to others who had the same problem with the same company. 

The owners kept trying to bill me and then sold this debt to PROCOLLECT at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Texas XXXX I presented this to the original creditor and they agreed with me. They said they changed their protocol and cancellation policy due to the overwhelming number of complaints. But PROCOLLECT continues to robocall me every day.

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX RADIUS GLOBAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-12-02 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 disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.

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 2020-12-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from Experian or XXXX credit agencies. I did receive a response from XXXX but they did not resolve all of my issues.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I visited the ER on XX/XX/2020 due to XXXX XXXX complications. I gave the hospital my insurance information. On XX/XX/XXXX, The hospital called me to let me know that I was infected with XXXX XXXX. I never received any bill or statement stating that I will have to pay out of pocket for something that my insurance should have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A second XXXX XXXX account was opened in my name and appeared on my credit report after I paid off one XXXX XXXX account. I am not the owner nor did I open a second card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Paid debt with a collection company known as XXXX XXXX XXXX was paid on XX/XX/2020. Account was still sold to a different collection company known as phoenix financial services claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but phoenix financial services still claim their information is accurate when it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NY

Complaint narrative:
Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX ( account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.

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 2020-12-02 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: NY

Complaint narrative:
Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX ( account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.

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 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
There are 8 derogatory late remarks having been reported incorrectly. Please remove these negative remarks, I have reached out to the creditor and they were rude and of no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

-attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
Paid debt with a collection company known as united revenue corp was paid on XX/XX/2020. Account was still sold to a different collection company known as XXXX XXXX XXXX claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but XXXX XXXX XXXX still claim their information is accurate when it is not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or TransUnion credit agencies. I did receive a response from XXXX  but they did not resolve all of my issues.

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 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or XXXX  credit agencies. I did receive a response from Equifax but they did not resolve all of my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made two payments from my checking account with TD Bank for two credit cards on Friday XX/XX/2020. One payment for XXXX dollars and another payment for XXXX dollars. Then on Sunday night I made a withdrawal of XXXX dollars. Which made the account negative. I accepted the XXXX dollar fee for that transaction. However, I was not aware that the two payments did not go through yet. I now discovered that I was charged XXXX in OD fees. That's outrageous. Especially that I am being charged XXXX dollar fee on a XXXX dollar payment! I called TD bank to try to get a refund and they said that these are the rules and there is nothing they can do. These kind of business practices are suitable for a shady 3rd world credit card company not for a reputable Bank. It is highway robbery. This needs to be publicized and TD bank to be shamed into abandoning such disgusting practices that tramples the average honest consumer. I demand a reversal of these very unfair fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
The mortgage servicer that I have been with did not pay me the full amount owed to me after my new mortgage provider funded the Payoff. 

Instead of crediting my last payment to my principal balance, Select Portfolio Servicing simply returned my XX/XX/2020 payment to me. 

Here is the summary : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Loan Payoff Code XXXX Payoff Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX Enclosed are two documents regarding the principal balance of the above referenced loan. 

One is a statement dated XX/XX/2020 and the other is a Payoff Statement issued by SPS. Both of these statements reflect my XX/XX/2020 payment having been received and processed by SPS. Both documents state a principal balance of {$470000.00}. 

Select Portfolio Servicing is obligated to return to me any and all funds in excess of the principal balance at the time of payoff of my loan # XXXX. SPS was funded {$470000.00} on XX/XX/2020. This added 8 days of accrued interest at a rate of {$38.00} per diem. The total owed to SPS for payment, per your Payoff Statement was {$470000.00} + {$310.00} ( 8 days interest ) = {$470000.00}. This means SPS owes me {$3500.00} On XX/XX/XXXX, Select Portfolio Servicing sent me a check in the amount of my monthly payment {$2800.00}, when in fact SPS owes me {$3500.00}. 

Please regard this as my official request for payment of the {$660.00} owed to me. I am sending this letter to Consumer Financial Protection Bureau with my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation