vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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: NJ

Complaint narrative:
Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM

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 2021-09-20 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: NJ

Complaint narrative:
Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. down below I have the laws that are in violation. I understand the the credit bureau will put on my consumer report that they validated an account by default. which is a HUGE VIOLATION. Without physical proof also a personal investigation of character. This is illegal and I would like all accounts on my report from my letter removed. I would also like all Unauthorized Inquires removed from my account as well. Ive given the required 45 days plus an extra 15 days for investigation. they have not done they job. I want all deleted from my letter. 
15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf. False information.

15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I XXXX XXXX have been on a medical leave since XXXX I not able to work and waiting on SSID for help. I have been receiving false information from a DEBIT COLLECTOR SINCE XXXX. FOR A CREDIT CARD I DON'T EVEN HAVE THE COMPANY IS CALLED NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a open consumer end credit plan with Capital One Bank. I have a outstanding balance. 
I am demanding Capital One Bank balance out the balance every month. Credit my account, send me the balance amount in a check. 

Title 15 U.S. Code 1602 - Definitions and rules of construction j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 


Title 15 U.S. Code 1666d. Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
My loan servicer, Fay Servicing , LLC is avoiding me. 
I submitted a Loss Mitigation Option Application on XX/XX/2021. I completed the full application and specifically asked them to notify me if their was any other information needed from me to go over options to save my home from foreclosure. They responded and said they were backed up with applications and that I needed to be patient and that they would contact me as soon as they were able. 
I logged in to my account every week since XX/XX/XXXX, where I submitted the application to check on the status of my application. I have received no word regarding my application from Fay Servicing for Loss Mitigation options. I sent a letter to the complaint department of Fay Servicing on XXXX. 
When I noticed a Notice of Trustee 's Sale posted on my house today from the XXXX XXXX XXXX, I called Fay Servicing. The agent told me I was not able to have options from loss mitigation because I failed to submit my tax returns with my application ( this was not asked for on the application ). The agent also said they did not have a profit/loss statement from me with my application which is not true. I submitted a profit/Loss statement with my application on XX/XX/2021. The agent informed me that all I could do was pay the overdue balance on my mortgage to reinstate my mortgage and that Loss Mitigation Options were now off the table because of the Trustee Sale and they didn't have time to process my application because my application was incomplete. 
This is the first time I was told my application was incomplete. Fay Servicing did not call, or write and tell me my application was incomplete. My online account says that I submitted a complete application. Why is Fay Servicing being coy about my mortgage account and getting things worked out so I can keep my house. 
We have listed our house for sale with a real estate agent because we are not getting any information or help from Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used the Bank of America ATM. I accessed it using my credit card and chose the option to make a payment. 
The Bank of America ATM took {$720.00} cash and gave me a receipt saying : We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our electronic claims team. 

I checked my online banking mobile application and no deposit has shown.

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 2021-09-20 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
A Apple Card/GS Bank USA account appeared on my credit report which I never used. I never owned any Apple Card under my name. I contacted the creditor Apple Card/GS Bank USA to know about this account and they advised me to report about the identity theft and apply to dispute that account to all credit bureau ( which I did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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:
The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Please help me and remove them

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 2021-09-20 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: MI

Complaint narrative:
I have sent numurous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2021 that my loan had been referred to their office from Fay Servicing , LLC for collection. The letter said I had the right to dispute their claim to collect within 30 days. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 disputing their claim. 
XXXX XXXX XXXX are required to validate their claim after my dispute in writing, but they never sent any verification after they received my dispute letter. I haven't heard from XXXX XXXX XXXX after I received their initial letter dated XX/XX/2021. 
A sheriff showed up on my doorstep and proceeded to post a Notice of Trustee 's Sale today on XX/XX/2021. 
They have no right to auction my home and they are breaking the law. I am in the middle of a Loss Mitigation Option application with Fay Servicing. I submitted my application and am waiting for a list of my options from Fay Servicing, my loan servicer. I am currently receiving regular statements on my mortgage from Fay Servicing and this notice of selling my home at auction is a HUGE surprise and is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I keep disputing items with Experian, and they keep rejecting my disputes, I have tried to call to file disputes over the phone, they block me, and forward my calls to a robotic system. This bureau is the worst bureau there is, they do not like to do their jobs, or correct their mistakes, they 2 accounts on my credit for XXXX XXXX, those accounts are past the 4 year statute of limitations for collection action, and on top of it it is re inserted debt, which by fcra standards they are supposed to delete, and credit reporting and they are not my accounts to begin with. They have an eviction that they are not supposed to be reporting they have continued to report knowing it's public records, and against FCRA even after proof was submitted to them they just don't care, they also keep reporting a XXXX XXXX credit card late that wasn't. They have inquiries on my report that have a 2 year time limit, they are keeping inquiries on my report for 3 years, and lying about the dates they are supposed to come off my report, they need to delete these items, and follow by FCRA rules, before they get sued.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Lowes sent me a Settlement Release with the wrong Date of Incident. 
I have sent multiple emails XX/XX/2021 and XX/XX/2021 w ( attachment ) to XXXX XXXX in Lowes Executive Customer Relations notifying her of such. 
The Release Expires XX/XX/2021, Today ; yet XXXX XXXX has not returned any of my Emails or Phone messages. I also left a message in the General Mailbox at Lowes Executive Customer Relations. I also notified Synchrony Bank Office of the President, XXXX XXXX notifying her of the Matter. She has not returned my call either.

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 2021-09-20 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: MI

Complaint narrative:
I have sent numurous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-09-20 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: FL

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A dispute was escalated with Chase Card Services due to an unauthorized/not validated Final statement of charges provided on XX/XX/2021 ; in the amount of {$2200.00}. The Final Invoice clearly states " Your signature is required '' and was never signed. Per the office staff at XXXX, not all services were completed. Incorrect and False information provided on statement of charges. It is almost impossible to communicate with employees at Chase Card Services when calling by via telephone due to the lack of staffing ( automated messages only ). Police report provided to Chase and case was still closed out without any prior communication and/or follow-up. Please See Attached, Additional detailed information available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are numerous inaccuracies on my Experian Credit report, that I have brought to Experian 's attention and they had failed to fix the issues. 

There is a collection account that should have been removed as I never had any business relationship, account setup, or payment arrangements with the company. My account was handled directly with the creditor without the involvement of any collection agency. 

XXXX XXXX XXXX is reported as a Hard Inquiry on my credit report ; this company is a collection agency- that is being incorrectly reported, as a lender who accessed my credit report for an installment loan or new bank account inquiry. I have never applied for any loan or bank account with this company and never given this company permission to use my personal information to obtain my credit report. 

There is a business account from XXXX XXXX that should not be on my personal credit report. I have disputed this account numerous times, the other credit bureaus have removed the business account from my credit reports, Experian has failed to remove this account and continuously avoids correcting any inaccuracies.

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 2021-09-20 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark Financial is calling me twice and 34 times a day about my car loan which is totally unacceptable and against the rules and laws of Virginia they need to call once and that is it not calling back to back. Im aware that Im a one month behind but to Continuously calling multiple times in one day is a form of harassment.

Company response to consumer: Closed with explanation