vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/ 2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: AZ

Complaint narrative:
Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorectly reporting me 30 days past due on the XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120  days late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: FL

Complaint narrative:
I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1. XXXX XXXX Account # XXXX  ( Amount {$1000.00} ) 2. XXXX XXXX Account # XXXX  ( Amount {$970.00} ) 3. XXXX XXXX Account # XXXX ( Amount {$970.00} )

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 2019-03-22 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: FL

Complaint narrative:
I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX XXXX  # XXXX ( Amount {$1000.00} ) 2. XXXX XXXX XXXXt # XXXX ( Amount {$970.00} ) 3. XXXX XXXX XXXX XXXX XXXX ( Amount {$970.00} )

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 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have been disputing this collection account with the credit bureaus and directly with XXXX XXXX. I have told them numerous times that this is NOT my debt and i have no knowledge of it. They have NEVER responded to my disputes or provided any proof that this is in fact my account. They have violated my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: AZ

Complaint narrative:
XXXX and Transunion are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  and Transunion are incorectly reporting me 30 days past due on the XXXX   ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120 days late on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX, Toyota Financial Services charging {$930.00} after 1 month of end of lease return to dealership. 

1 ) At the time of returning the vehicle to dealership, no damages were found after inspection and test drive. The vehicle was returned and a new vehicle was purchased on the same day.

2 ) The dealership did not notify any possible fees on wear and tear as the vehicle was in good condition that they can re-sell. 

3 ) Aforementioned procedure was completed on XX/XX/XXXX, and on XX/XX/XXXX Toyota Financial Services charged {$930.00} on previously closed account without any indication on what it was for. We had to call in to find out that they are charging us for wear and tear. 

4 ) After 3 attempts to get the file in hand as to what they are charging, the damages they claim to be on us were never present on the vehicle returned, which can only lead to 2 possibilities. 
1. The damages were made AFTER the vehicle was returned 2. The damages shown are on a different vehicle There is no logical way to prove that the damages were done by us and thus we dispute this charge, to date, Toyota Financial Services calls us every single day to collect this charge even knowing that we choose to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with LoanCare on XX/XX/XXXX. They have had our authorization on file since XX/XX/XXXX. We were told today that LoanCare had contacted the borrowers mortgage broker that originated the loan, telling him that the borrower had stopped making payments and asking if they knew what was going on with the situation. 

By contacting the mortgage broker, LoanCare has released private information to a non-authorized third party and made an illegal attempt at debt collection. 

Unfortunately we have a lot of files with LoanCare right now and we are seeing a disturbing trend on all of these files where they are violating both state and federal law. Who is overseeing their training? My guess is No One. 

THESE ACTS ARE ILLEGAL AND A CLEAR VIOLATION OF THEIR SERVICING GUIDELINES. I want LoanCare fined the maximum of $ XXXX due to their purposeful and egregious ILLEGAL ACTS. ***This can not possibly be the only file LoanCare has done this on. I want them investigated for FDCPA Violations. Who else have they given out our clients private information to? 

CC : US House Committee on Financial Services Chairwoman XXXX XXXX. 
Attorney General 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 2019-03-22 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
At or around XX/XX/XXXX I was laid off from a union company and fell behind on my auto payment. I called my lender and received a XXXX month deferment. However the auto loan became 124 days delinquent XX/XX/XXXX. I did not become employed again until sometime mid XX/XX/XXXX, around this time the car was repossessed. I contacted my lender and informed them I had just begun work and was able to pay the delinquent amount. XX/XX/XXXX I paid them {$1600.00} to cover the money owed. They sent a release to the repo company and I went and picked up the vehicle. Some time had passed before I noticed that the vehicle loan had been closed on my credit report however I was still making payments to the lender, I still had access to my account on their website. I am still able to log into my auto loan online account and make payments with my account showing current. I disputed this via XXXX XXXX  and XXXX recently and my lender disputed my claim that the account is still open and current. I contacted my lender Santander Consumer USA, they informed me that the day my car was repossessed they transferred the debt to their Debt collection department. I was told by them ; since they are a bank and an auto lender, they dont sell the debt to a third party. When I paid the delinquent money I was never informed of this. To my knowledge they are not reporting my monthly payments and have continued to report my account as charged off for over {$10000.00} every month. I believe this is unethical, potentially illegal and its preventing me from increasing my credit score ; which is effecting my finances. I am still in  possession of the vehicle and continue to make payments that reflect negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a cash card with Wells Fargo Financial. My problem is that the website only allows payments up to {$5000.00} per day. This restriction causes additional interest charges on the amount over {$5000.00} ( in my case at an interest rate of 24.9 % ). This is an unnecessary requirement and I would guess it is solely for the purpose of collecting additional interest.

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 monetary relief
Consumer complaint received 2019-03-22 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:
In my attempt to correct inaccuracies reported by ; Eperian, XXXX, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by Experian, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {$430.00} and reported by various collection agencies - once by XXXX XXXX, and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XX/XX/2019 - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court.

The date of my first attempt to correct matters was made by certified mail dated XX/XX/19, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations.

In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.

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 non-monetary relief
Consumer complaint received 2019-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi Im checking my credit score and report and came across an unauthorized credit check from XXXX. The report was submitted on XX/XX/2018. I have no clue about this request and never made any request for an automobile.

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 2019-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
I made the payment on time, still show as late on 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 2019-03-22 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: LA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

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 2019-03-22 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: LA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

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 2019-03-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was going over my credit report and noted inaccuracies in the payment history as well as the closing account date. I contacted the company to address this and they responded that they would remove all payment history and XXXX out the balance on the account due to it being sold to another lender. When I pulled my report the same reporting information is being reported and the inaccurate payment history stating that payments were made XXXX and XXXX of 2018 to one agency and that no payment was received in the same months to another agency. Also, the close date has been reported as XX/XX//2018 on XXXX, But account being open with payments being made on XXXX. This company has refused to fix the situation prior to now and continue to report inaccurate information to my account violating FCRA. I have attached a recent copy of my credit report with all three bureaus combined.

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 2019-03-22 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: TN

Complaint narrative:
Equifax continues to report information on my credit report that is not accurate. 

There is {$1100.00} debt on my report that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TN

Complaint narrative:
Equifax ; XXXX and XXXX  are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Asset Management Holdings, LLC
State: TX

Complaint narrative:
I am attaching two sets of documents. The first document is written in full detail what I think happened to my second mortgage. The second set of documents is the entire accounting of my second mortgage. It is a very difficult case and has taken me over 50 hours to compile this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an saving account with BBVA back in XX/XX/2018 with promised promotion of {$50.00} after 90 days with balance of {$100.00}. More than 90 days I still haven't received the bonus, I came to the branch and talked with the XXXX he said the bonus should deposited automatically after 90 days from the date of the first direct deposited of an checking account on XX/XX/2018, which is nothing related to my saving account. However, I still waited. That days has passed, no bonus add. I called the online customer service and talked to the XXXX, he apologized and said bonus will be deposited in couple days and he will monitor my account closely. I still have not received the bonus which has been almost 4 months. I sent them several emails and there was an escalated case has open but Everytime I told me a new deadline which is I don't have a clue about those days. Please be aware of BBVA bank, they talk so nice but they just trying to past time, and did not do what they promised. The whole system was failed and very unprofessional. Everytime they send an response email to mail, they always send the full page with the tone of lecturing about the requirements and such which is I met all the requirements. They don't look at the account details and just gave robotics answer. Don't do any business with BBVA bank.

Company response to consumer: Closed with monetary relief