vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My mother and I have an auto loan from Santander Consumer USA for my XXXX XXXX XXXX. The interest rate is already insane and now they are charging me more. We are both out of work due to covid and we asked for a reprieve for a few months on our bill and since im a 1099 i dont qualify for unemployment and my mom has not received help yet either. So they moved our next payment to XX/XX/XXXX, which was supposed to be XXXX for the 3 months extension XXXX office told me. Anyway they are charging us {$15.00} a day interest that the loan is deferred!! How can they do that? Please have someone call me back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Each time I dispute information on account, the company puts additional incorrect information on the credit profile. The last dispute was reporting the balance. Currently the entire loan balance is being charged off. The have received partial payment from the sale of the vehicle and the amount should be reduced. This is a direct violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: First Credit Services Inc.
State: IN

Complaint narrative:
I have made several attempts since XX/XX/XXXX to cancel my membership due to a chronic illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the XXXX XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. On, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen.. They have since sent it to this collection agency that continues to threaten/harass me and report/update damaging and inaccurate information to all three credit bureaus. The erroneous amount is not only inflated to reflect charges that are unsubstantiated but are a direct violation of the ADA since both companies were made aware in a timely manner of my XXXX but deemed it unimportant or invalid and choose to harass me despite this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.

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 2020-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One stated XXXX reported my account as fraud. They closed my account and I do not have access to my account online. They waited two months to send me a paper stating my bill is 2 payments behind. They are reporting that they aren't opening the account back up due to fraud, if it's a fraud account I shouldn't be responsible for the account and it shouldn't be hurting my credit by 20 points with them reporting it past due. They waited two months to send me anything about my account being past due. The letter was issued on XXXX XXXX and this issue has been ongoing since XXXX. I sent in the paperwork to show my identity. Capital One is telling me that they can't reopen the account once it's closed as a fraudlent account. I want the late payments removed from my credit reports. I don't want another account with Capital One after all of this. This is the most pitful experience I have dealt with with any company. They reported this was reported by XXXX and it's not showing on my report with them. My account ends with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX refuses to apply my additional payments to principle. 

They do not have an automated payment processing to put money towards principle, I must call every month to apply the additional payment amount to principle. 

Since XX/XX/2020, I've paid thousands of dollars over my regular payment amount in an attempt to apply those funds towards the principle. 

For the last six months I've been requesting XXXX to apply these credits. I've worked with multiple managers and many representatives and they all say it's been applied and takes a few days to be processed. After a few days check online, still hasn't been applied. I call in, and they say they ave applied it this time just to find out again XXXX days later that the credited funds have still not been applied. 

I've expressed this problems to the managers multiple times, nothing has been done. 

There is a serious problem of information asymmetry, where the consumer has little to no information about their account, but the company can see all of these supports cases and details. 

I've requested an email confirmation about these payments being processed, and XXXX refuses to provide me with any type of confirmation about me calling in and them handling an issue. They give me a case number, but I don't have anything on my end to assert that we've had this conversation and they insisted it has properly been applied. 

I consider this fraudulent. They are holding my money and not allowing my to apply it to my principle, they mislead me every time I attempt to resolve the issue, then refuse to give me any confirmation on my side that I talked to them about this issue ( many many times ).

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 2020-06-08 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: OK

Complaint narrative:
Trans Union credit bureau service has continued to report fraudulent information on my credit file. From XX/XX/XXXX XXXX my score decreased from XXXX to XXXX a decrease of over 47 points. as of today XXXX XXXX. They are putting my paid good accounts as closed affecting my score these accounts should be showing paid or paid as agreed.They are also saying the creditors are closing the accounts. I have never or would never close a good account that has been paid.also trans union has said that my creditors have put derogatory remarks on my credit file.therefore, affecting my score module.They have removed over 30 accounts fraudulent accounts from my file.Those fraudulent accounts affected my score for years and then they drop my score and have removed these accounts and affected my scores again. These accounts are as follows listed here and attached.They have given me no points for the removals of the fraudulent accounts.They have destroyed my credit worthiness with my creditors.16 Remarks on my credit file, 9 closed Paid accounts Department of ED , 14 closed paid accounts, 5 closed paid accounts, 2 more derogatory remarks. All these accounts have been paid in full and I have not  closed these accounts.The law suit CFPB sues XXXX  and Trans union has affected my credit file and worthiness the Dodd Frank act of 2014 and my credit will never recover from their inability to keep my credit file and information safe.This is Fraud and unfair practices of Trans Union. I want a complete investigation into this matter I have contacted the CFPB and filed over 20 complaints against Transunion, XXXX and XXXX. and these bureaus have continued in their fraudulent practices and the SCORE MODULES HAVE TO BE FIXED NOW!!!!!!

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I ordered my Annual Credit Reports from the three Credit Reporting Agencies. For as long as there have been Free Annual Credit Reporting Legislation, Equifax continually refuses to send my Annual Credit Report. Year after year I must file a complaint with C.F.P.B. in order to force Equifax to mail my credit report. My last report dated XX/XX/XXXX is well past the XXXX year qualification to request my XXXX credit report. Furthermore, Equifax continues to mail, at the same time as my Annual Credit Report, a change of address letter. The letter always states that my address has changed within the past sixty days. My has not changed in over twenty two years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Its showing on loan amount {$3500.00} that I have two late payments ( XXXX and XX/XX/2016 ) I was enrolled and school and loans where in deferment. 

Another loan amount {$6000.00} that I have to late payments ( XXXX and XX/XX/2016 ) I was enrolled in school and loans where in deferment. 

All other loans are in good standing and was in the same date range but no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern : The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

You are allowing a Fraudulent account to appear back on my credit report after you have already deleted it TWICE. The account placed a WRONG address on my credit reports as well! I never lived at XXXX XXXX XXXX XXXX, WY XXXX. Why am I still battling with you to delete the Wyoming address. I never lived in Wyoming!! I pay all of my bills on time and have zero negative items on my credit report. Experian has deleted this item on XX/XX/XXXX report # XXXX, Then again on XX/XX/XXXX report # XXXX. 

On XX/XX/XXXX, Experian responded to my CFPB complaint # XXXX that the account is not apperaing on my personal credit report. This is the THIRD time it has been deleted and still apperaing on my credit report! 

Experian responded : " According to our records, the disputed information does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. '' 1. The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Unlinked ( XX/XX/2020 ) a previously authorized/linked account. Unable to complete a routine transaction/ gain access to account through platform ( XXXX ) .previously linked for over 1 yr

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: IL

Complaint narrative:
I have contacted XXXX  and Experian on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that XXXX continues to report is XXXX XXXX and Experian is reporting XXXX XXXX XXXX and XXXX XXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting 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 2020-06-08 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: DISCOVER BANK
State: RI

Complaint narrative:
On XX/XX/XXXX I received a credit score drop of 17 points because XXXX  is reporting that my student loans balance increased from discover student loans, I immediately called and inquired as to why this happened because I am still a full time student and the loans should be in deferment until I graduate. I was told the issue would be looked into within a 2 week time frame. On XX/XX/XXXX I received an other credit score drop of 30 points for the same reason, I called again to discover student loans and was told my inquiry was not resolved and they would submit an other ticket. Once again they said it would take an other two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 my car was totaled out. On XX/XX/2020 the insurance company responsible paid {$8800.00} for the vehicle. The total amount due was {$12000.00}. They have also received payments of : {$570.00}, {$740.00}, {$2200.00}. All of this equals the total amount for the car but instead of them applying the money to the vehicle balance they applied it to the finance charges and saying I still owe money on the vehicle. I have been calling 2 to 3 times a week about my account ever since XX/XX/2020. They refuse to let me speak with a supervisor. I also have requested a payment history so I could view how they have been applying the payments and they refuse to send it me. They also then tell me I have until XXXX XXXX to pay off the remaining balance, or I will be responsible for paying the finance charges which is at least {$9000.00}. Also they are adding money on to the balance every week. From last week I went from owing {$1000.00} to now owing {$1200.00}. When I asked what the extra charges are for, I was told finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I make a payment of XXXX XXXX It was in XX/XX/XXXX. The company called XXXX XXXX XXXX XXXX never sent me anything of my purchase. In XXXX, I received a tracking number from XXXX, but XXXX XXXX XXXX XXXX only print the label and never drop off the package. Two months ago approximately XXXX XXXX XXXX XXXX respond an email saying to me that I need to contact XXXX. XXXX never received my package, they told me. I need help please, this company has been very unreliable.

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 2020-06-08 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: Westlake Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Westlake Financial Services XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has been requested to verify incorrect account information reported by the XXXX XXXX XXXX/USDA. They have continued to report this account after a number of requests for the verification documentation and I am yet to receive this information. I have requested this documentation several times and they continue to report this account as verified but no verification documentation has been provided. I have also contacted the XXXX XXXX XXXX/USDA via email and phone and have not received a response in a number of attempts to get a detail of the amounts of refunds that have applied to the balance and to obtain a current detail of the account balance. This has been ongoing for a number of years and I have been subject ot offset since XXXX and have not once received any document to show how the funds were being applied. I have no idea of what is in fact owed on this account. Experian claims to have verifed the account but has not shared with whom they verified or provided a copy of the documentation. I submitted the most recent request on XX/XX/XXXX and as of XX/XX/XXXX, there is still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: IL

Complaint narrative:
I have contacted TransUnion and XXXX  on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that TransUnion continues to report is XXXX XXXX  and XXXX is reporting XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting 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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
Our mortgage was initially issued by XXXX XXXX in XX/XX/XXXX. Shortly thereafter ( XXXX XXXX XXXX the loan was sold to XXXX XXXX Loans. XXXX XXXX loans proceeded to sell our loan to Shellpoint Mortgage Servicing in XX/XX/XXXX. We made a payment of $ XXXX to principal on XX/XX/XXXX. The payment was not applied to our balance either by XXXX or Shellpoint. We pleaded with Shellpoint and also demanded that they release property tax payment out of our Escrow account. Not only did they not apply the payment, they went ahead and reported us to the Credit Bureaus for a late payment.  Furthermore, they never released funds out of the escrow to cover our town taxes. The town is threatening to place a lien on our property. Around XX/XX/XXXX our loan was again sold to XXXX XXXX XXXX. We contacted them immediately to have them release the Escrow funds. It is XXXX now and they have not done so as well. 

Please not that we did not request for our loan to be sold 3 times in the period of six months. We are being dragged through the mud by these shoddy mortgage companies that we had no idea even existed. In order for us to refinance the loan at this point, it would cost us $ XXXX in closing costs, which we do not have to waste.

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