vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I got into a car accident and insurance company gave me a check because my car was a total loss. In XX/XX/XXXX I try to get a new car and Santander consumer inc told me I have {$3500.00} left on my account due to a extended warranty which I never signed for.so I called auto source warranty to cancel the warranty that Santander said I had and auto source sent me a mail on XX/XX/XXXX saying that the vin number I provided was mine but how ever related to a different vehicle and different customer name and that they have no contract number with my name and they told Santander but, Santander refused to take it off my credit or even tried to dispute it.Ever since then I have not been driving for 3 years and I want to get a new car and I spend almost XXXX a week on XXXX because every dealership I goto and try to get a loan they deny me or tell me to put a large amount down all because Santander put it as a charge off on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 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: FL

Complaint narrative:
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. EQUIFAX/XXXX/XXXX have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need Equifax/XXXX and XXXX to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable.

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit  bureaus. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: FL

Complaint narrative:
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/XXXX/Experian have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/XXXX and EXPERIAN to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, 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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
this company is attempting to collect money from me and reporting a debit I don't own to my credit report resulting in financial hardship due to negative credit impact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/18 I opened a BBVA Compass Checking account with the promo code with the XXXX XXXX " XXXX ''. This entitled me to {$100.00} for making a bill pay equal to or greater then {$25.00} to a utility company. On XX/XX/XXXX I initiated a bill payment to a water company in the amount of {$130.00}. On XX/XX/XXXX I sent a secure message inquiring why my bonus wasn't paid out yet. I received the response saying I needed to deal with the issue in branch. I don't have access to a branch due to me being away at school. The bonus never had anything to do with a branch and the account was opened online. I use XXXX due to there nice online banking I don't do banking in branch all too much. There is no reason XXXX can not fulfill their end of the deal and payout the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

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 2018-10-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX, when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do  the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.

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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern On XX/XX/XXXX, I submitted a dispute to USAA, dispute # XXXX. I requested to have my funds recovered due to The XXXX XXXX XXXX not rendering services after receiving payment from me. 

There were two charges made to my USAA account to Attorney XXXX XXXX XXXX : XX/XX/XXXX for {$100.00} XX/XX/XXXX for {$100.00} USAA reversed the credit owed to my account in error. Whoever handled my case did not thoroughly investigate. I wished they would have waited for my response. 

Please see attached receipts paying XXXX XXXX and email sent from USAA regarding credit was to be reverse or debited from my account on XX/XX/XXXX. 

On XXXX, XXXX, XXXX I fired Attorney XXXX XXXX XXXX for lying, not communicating, failure to show up to court, and stealing money from clients without rendering services as requested causing more issues I later had to fix myself. There is an official court record stating I no longer want XXXX XXXX to represent me. This means he has no legal right to work for me or handle any legal matters on my behalf. See attach court document. 

I myself conducted my own thorough investigation and submitted documents to the State Bar of Texas. I also handled all of my legal matters that the XXXX XXXX firm did not handle or had no legal right to handle on/after date XX/XX/XXXX per court document I submitted to the judge. This also cost me additional court expenses. 

The State Bar of Texas found XXXX XXXX guilty. See attach letter received. 

Because XXXX XXXX has contacted me numerous of times demanding for more money via email. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting for a reconsideration of my dispute case. Please see attach emails received from XXXX XXXX. I am unable to open the invoice attach due to the attachment stating its not safe to open but will be happy to forward these emails upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
- Barclay 's Credit Card claimed a payment was not made on time. 
- after further investigation found out my payment to Barclay 's,  had been posted as paid and cashed using a XXXX XXXX account ( copy of cashed money order from my personal bank ). 
- I called Barclay 's and mentioned what found, their response was " we don't know how this happened, it's not our fault '' then proceeded to claim my account as delinquent & tagged on a {$50.00} late penalty fee. 
- long story short I contacted XXXX XXXX and found out the account in question actually is an account that belongs to Barclay 's, which XXXX XXXX retains on Barclay 's behalf for receiving credit card payments from customers like me. 
- I then called Barclay 's and explained what I found, then asked for outstanding amount I owe so I may pay it in full.

- once payment is received and posted by Barclay 's I intend to cancel my Barclay 's credit card. 

Reason am reporting this instance is to have on file as a complaint, and for others to be wary, of Barclay 's Credit Card "  practices ''.

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 2018-10-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am requesting that the Chapter XXXX on my credit report be removed because it was voluntarily dismissed from my credit report after paying the debt completely off with a five year plan PAID in 2 years paid and dismissed. 
All poutstandin bills were paid off once my property was sold. 
I applied for a loan and was told that the chapter XXXX and XXXX was still on on my credit file which hurt my credit adversely. 
I was also told that I had tax liens on my report which was not true. 

I would greatly appreciate your assistance in helping me a senior to resolve this problem.

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 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NH

Complaint narrative:
I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, LexisNexis must delete this information from my credit report, and i asked them on several occassions starting ( XX/XX/2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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 — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am requesting that the Chapter XXXX on my credit report be removed because it was voluntarily dismissed from my credit report after paying the debt completely off with a five year plan PAID in 2 years paid and dismissed.

All poutstandin bills were paid off once my property was sold.

I applied for a loan and was told that the chapter XXXX  and XXXX was still on on my credit file which hurt my credit adversely.

I was also told that I had tax liens on my report which was not true.

I would greatly appreciate your assistance in helping me a senior to resolve this problem.

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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
My then-husband and I took out a 1st and 2nd mortgage in XX/XX/XXXX ; we divorced sometime a couple of years ago. 

in XX/XX/XXXX some private Trust took over the 2nd mortgage and SN Servicing began servicing the loan. I myself never received any mortgage coupons, statements or billing/payment information. In XX/XX/XXXX, I received a Notice of Default and since XX/XX/XXXX have ben attempting to work with XXXX XXXX at SN Servicing to structure some time of repayment plan, modification, or other type on arrangement. Ms. XXXX repeatedly requested additional documentation until such time as she deemed the application complete on XX/XX/XXXX and would be reviewed. XXXX XXXX then informed me on XX/XX/XXXX that the XX/XX/XXXX sale would still move forward regardless of the fact that an assistance package approval is pending.

Company response to consumer: Closed with explanation