vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Had a loan with Santander consumer in XXXX and in XX/XX/XXXX my vehicle was stolen wrecked and damaged. The insurance company I had then XXXX contacted them got the settlement amount from what they had as blue book value and sent them a check. The same thing as my gap insurance done. They are mailing and calling now stating I still owe a balance which it was taken care of then. They have no proof to show that they didn't settle with my insurance company. I know they did because I had to give XXXX the okay when they came up with the total amount they emailed me the statement amount minus deductible, etc .... Then gap insurance was to cover the remaining balance after XXXX paid. Santander told me when I contacted them about it that, the gap insurance didn't pay the balance in full. Which I know they did! So now that I have called to complain they close the account on my credit file which hasn't been 7 years but it still shows closed with the balance they claim I owe. Then they stated they been collecting interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I had a debt in the amount of {$280.00} on my credit report from convergent outsourcing originating from XXXX. When I moved into my new place in XXXX I called XXXX to setup service and they informed me I had this debt and needed to take care of it. We settled for {$180.00} and they informed me the debt was satisfied and they wouldnt report it on my credit anymore. It is still being reported as of now, XX/XX/2021, after repeated calls to both companies.

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 2021-05-18 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I have a mortgage with Shellpoint Mortgage Service. Due to Covid and a XXXX, I was offered a forbearance program during a financially hard time. I accepted the offer and was not told there would be any fees. In XXXX, I spoke with XXXX XXXX about initiated payments again so I could get back on track. XXXX stated that we could not start paying and we needed to wait till XX/XX/2021 and they would tell me how to proceed. 

I am selling the home to move into a more suitable place for my age and health and just received word that, though the loan balance is {$100000.00}, that they are charging me {$120000.00} payoff. 

This is more than 20 % over the loan balance and has created even more financial hardship as I attempt to rebuild my life. I have requested a breakdown of the fees and the date they are for. In searching online for customer complaints about this company, I am finding that this is a common practice with them. I am requesting help in dealing with this situation please, as well as a review in this companies dealing with other customers such as myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
RE # XXXX Acct # XXXX This is a fraudulent medical bill put on my credit report. 
On XX/XX/XXXX, I faxed a request to reinvestigate the following incorrect item, which they list on my credit report ( s ) as a collection : ARS Account Resolution in the amount of {$1500.00}. 

The computer-generated response I received is unacceptable and I am losing patience. This information is invalid, negative, unduly, and unfair incorrect information on my credit report. 
As a requirement of the FCRA, they failed to provide me proof of the alleged debts validity by NOT providing me with the following : ( a ) breakdown of fees including how you calculated what they claim I owe ; ( b ) a copy of my signature on a contract or document that holds me responsible for this alleged debt : and ( c ) proof that you are licensed to collect this debt ( if valid ) in my state. 
Their response listing XXXX XXXX XXXX. XXXX XXXX XXXX is not enough information to validate anything. I have XXXX as my insurance provider and there is no record of me receiving treatment for any service for the date of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX Citizens bank stole {$850.00} from a newly opened checking acct. When i called and asked about it i was informed there was supposedly a debt from 2016? That they had stolen 2 weeks of pay to recoup. Well I manage my credit report through 4 diffent methods and have not ONCE, EVER seen anything from Citizens bank regarding this debt at all. I have NO clue wht it is for. Nor why i was never notified about it. It was not clarified to me why when i went in the branch to re pin my new atm card this wasnt mentioned to me. I opened the acct with no issue whatso ever. 2 weeks later without notification or due process of ANY sort. Without a chance to dispute or even to report fraud. They just stole my money. I have bills to pay. I have a near perfect credit score. I have never even HAD citizens acct in the past. Now if someone ELSE used my info to open one thats another story, but none yhe less I was never notified about it in any way shape or form. Now i have NO recourse in recovering my funds. This is not right. Its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This company is reporting a debt on my credit report and is in violation of Sec. 36a-809-13. They don't have verifiable information to do so and this is against the FDCPA law, therefore this account needs to be deleted from my credit report immediately. This company is also in violation of not being licensed in my state to collect any alleged debts that they say I owe.

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 2021-05-18 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: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
I had Dovenmuehle Mortgage up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the XXXX  file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted Dovenmuehle multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and Dovenmuehle has seriously failed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: OH

Complaint narrative:
I had XXXX XXXX  up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the Equifax file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted XXXX multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and XXXX has seriously failed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute over information on my report which has taken over 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 



My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
On Wed, XX/XX/XXXX, XXXX XXXX, loan officer XXXX XXXX reached out to me with a new quote for a refinance on my home. He told me to not make the my XX/XX/2021 mortgage payment due to closing a loan in that month I should have 2 months free of payments. I stated in an email that I've made my payment XX/XX/2021 and he continued to state that he was going to reverse the payment because it should've been skipped. On Wed, XX/XX/XXXX, XXXX XXXX  I replied to XXXX and told him I made the payment already. On Wed, XX/XX/XXXX, XXXX XXXX  he stated " Yes that's in reference to getting two months without a payment. If we can refund it we will, but if the payment has already processed and the payoff shows due for XXXX, we won't be able to. '' and that was the last I heard about my payment. 

Now here it is XX/XX/XXXX and my payment is showing as late when I was told there's a possibility it could be refunded. I spoke to XXXX in Loss Mitigation from Village Capital and Investments on XXXX XXXX and she told me to submit my documentation to the documentation department and they will check with the cashiers about my payment. 

I called back today XX/XX/XXXX 5 times to their office to be hung up on, laughed at and belittled by the agents I spoke with. I found out that the cashiers office will not refund or reimburse me and now I'm stuck with a delinquent loan payment for XXXX. 

I was signing the documents under the impression I was provided by the loan officer that I would miss 2 payments. I was lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX/XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: IL

Complaint narrative:
I did not apply for this in any way and they have a bunch of mashed up info about me when I looked what they were asking me for .... 
XXXX Thank you, Your Lightning Fast Loan Processing Customer Support XXXX XXXX Fax. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 2021-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax since XX/XX/2021 begging to remove dispute remarks because Im trying to buy a house. I should have a had a full approval by now this is XXXX ..the house will be finished in XXXX and every time I call they put the items back in reinvestigation theyll hang up or put me back in Q. Very rude you have to keep repeating yourself and at this point Im thinking its deliberately being done. Please HELP! Im just not understanding why are they refusing to help me one account has never been late the other account is a negative account Please someone please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I have contacted cash app on multiple occasions to dispute 3 XXXX XXXX transactions, XXXX posted onXX/XX/XXXXXXXX posted on XXXX, and XXXX posted onXX/XX/XXXX. Cash app/XXXX XXXX  has refused to process the disputes. claiming they didn't know what transactions I was talking about. I sent them the screenshots on their banking app of the transactions. They claimed it would take them 10 business days just to assign the disputes to another representative from their email team then an additional 45 days to investigate. Using their chat form I am given the run around with them using the same templates requesting the same information from me such as my email all with no response. They are refusing to acknowledge or process my dispute process and giving me the run around whilst I'm out of over XXXX dollars from a merchant I have been unable to resolve the matters with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was over paid SSA benefits and my wages have been garnished for a year and 5months. 
Debt amount was XXXX. SSA has taken approximately XXXX from my wages. Unfortunately Experian is reporting the balance as XXXX which is not correct. I have filed a complaint with Experian, have not gotten anywhere. I have been calling SSA daily and am told they are unable to help me.

An agent at SSA thought payments were sitting at payment center and not being processed. 
I am out XXXX dollars from my paycheck and still being reported as nonpayment and a collection. Please help I am not sure how to get situation resolved. Thank you

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