vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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: GA

Complaint narrative:
I have tried to have the information removed from my credit report, and equifax keeps sending me information that the reporting company should have sent to my medical insurance company. When I became XXXX in XX/XX/2010, I have had Medicaid, and medicare. (XXXX XXXX XXXX) I lived in Florida at that time They should have billed the state of florida and XXXX XXXX XXXX. Each Time I complain The send me a letter which means nothing to me. it purports to show the information proving that I owe them however it does not show where the State of Florida or XXXX XXXX XXXX   was billed. and now another medical bill is showing on my credit report. it was removed on XXXX, and XXXX   which, a dispute was filed today, however equifax doesnt allow me to go further than paying for their service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We filed a federal lawsuit against (5) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX   Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF TEXAS XXXX DIVISION ~ Judge XXXX XXXX. On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, Experian, and XXXX the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, XXXX and Trans Union collectively.  A debt collection agency known as XXXX XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: NY

Complaint narrative:
I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, Equifax and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX. XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ran my credit without my permission. There was a representative that can to my job solicitating, claiming to get me a cheaper plan but did not receive permission to run my credit. I called the corporate office and made them aware of the unfair practice. I'm requesting removal of the inquiry from my Credit 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 2019-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
FedLoan is attempting to improperly capitalize interest on my loans, has made conflicting information requests (with which I complied), and misrepresented the status of my income-driven recertification process and whether the interest would be capitalized on my loans.  I submitted timely proper documentation for my income-driven repayment plan recertification. I submitted the documentation well before the date stated in the letter requesting it. In addition to my paycheck information, family size, recertification form, etc., the documentation included almost two months' worth of income (including XXXX XXXX) for my wife with a statement explaining she is paid on an irregular schedule when accepting delivery orders. She is a homemaker and watches our children, and only does the delivery orders from time to time. A month later, FedLoan requested additional documentation regarding my wife's income, including an average monthly income amount. I provided the requested information. On XXXX XXXX, as I hadn't heard any updates on the repayment plan processing, I called FedLoan and asked for an update.  FedLoan stated they were still processing. I asked whether FedLoan received my fax with the letter they requested and if they needed any more information. FedLoan confirmed they received my information and that I did not need to provide any more information. However, a few days later, on XXXX XXXX, I checked the online account, which showed an apparent interest capitalization dated XXXX. I called to demand the error be corrected. FedLoan then requested different information than they had previously requested. This time, FedLoan (confirming again they received the information I previously submitted) requested I include a certain phrase in a separate letter with only the income amount for my wife for XXXX XXXX. Again, I promptly provided the requested information (on XXXX XXXX). The FedLoan agent specifically represented that if I provided the requested information, the interest would NOT be capitalized on any of my loans.However, on XXXX XXXX, I received a letter from FedLoan showing the "Current Principal Balance" on each of my loans to include interest apparently from a purported capitalization.  On XXXX XXXX, I received a bill from FedLoan also showing false "Current Principal Balance" amounts for each of my loans.  The bill and letter show that FedLoan has still not corrected the interest capitalization error and resulting errors.  The balances shown for all of my loans (including principal and interest) are thus inaccurate.  This is a significant error which has caused damages. FedLoan's conduct constitutes unfair, deceptive, and abusive practices, among other violations.  I respectfully request that FedLoan immediately correct the interest capitalization error and all related resulting errors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXX XXXX XXXX XXXX XXXX  collectively.  A debt collection agency known as The Bureaus is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The Bureaus, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX  and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The Bureaus in a position to own this debt, and for that matter, The Bureaus has clouded their scan even deeper by stating that the debt was acquired by Bureaus Investment Group No. 15, which is affiliated as a sister company of The Bureaus, see Abeyewardene v. Bureaus Investment Group Portfolio No 15, LLC (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The Bureaus came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX and eventually I settled with that agency, even though XXXX  could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The Bureaus never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX  against Bureaus Investment Group No. 15, and this must give the credit reporting agencies a huge red flag on The Bureaus licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I got a loan with XXXX XXXX on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XXXX I paid on the XXXX. Starting in XXXX   they no longer took credit card payments and only would take checking. I called a called XXXX and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. XXXX  did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX XXXX was not taking my payment in fact reported that I am XXXX not only charged me a fee but my credit has now been hit with its first ever missed payment. I called XXXX to fix the situation but the representative blamed me and later hung up on my call. Not only did XXXX make the process to pay harder but blamed me when I made payments in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: MA

Complaint narrative:
I got a loan with XXXX XXXX on XXXX XXXX, 2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XXXX I paid on the XXXX. Starting in XXXX they no longer took credit card payments and only would take checking. I called a called XXXX and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. XXXX did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX XXXX was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called XXXX to fix the situation but the representative blamed me and later hung up on my call. Not only did XXXX make the process to pay harder but blamed me when I made payments in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXXn, XXXX and XXXX XXXX collectively.  A debt collection agency known as The XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was Capital One N.A., and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The XXXX in a position to own this debt, and for that matter, The XXXX has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of The XXXX, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX   could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The XXXX never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on The XXXX licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My acct has perfect payment history except 4 payments that were marked as 30 days late when they shouldn't be.  These are 4 payments in a row XXXX, XXXX8 and XXXX they were NOT, this is severely effecting my life and me getting new credit.  Please adjust these immediately i just recently saw for the first time in years my credit report due to being denied for an apartment bcs of my score and these late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I purchase a XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I receive a loan from Santander  Consumer USA for XXXX with payments of XXXX monthly for 76 months. I was paying my payments on time but the balance will never decrease on my credit report. I have payed a total XXXX towards the loan, Every time I tray to trade the car or refinance the loan I was told that the total payoff was XXXX. I have called Santander Consumer USA several times to go over the contract because something did not seem right as to why my payoff was so high although the care was only worth XXXX. the only thing Santander will do is give me a one month deferment just to shut me up. finally I decided to give the car back on XXXX XXXX. I called the Santander and told them I no longer wanted the car and where should I take it. I was told that they will process the paper work send it to me in the mail to sign and they will come and pick up the car.  On XXXX XXXX I called and Santander consumer USA that I did not receive my paperwork and will they be coming for the car. I was transfer to different departments until I spoke to a Supervisor and was told that due to laws they are working on getting the car reprocessed . it took them 6 months before they finally came and got the car. I was told that they will take the car for auction and I will be sent a final bill. Unfortunately, I did not receive anything in the mail. I check my credit report. Santander USA has been reported negative payments towards my credit port to this day although they have the car in their possession. it is now reported that I still owe XXXX and the account is delinquent. it has not reflected any payments I've made for 4 years nor the amount that  the car was auctioned off for and the balance keeps increasing on my XXXX and my  XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Finance LP
State: TN

Complaint narrative:
I have late missed/late payments on my credit report from XXXX, XXXX, and XXXX of 2018 that were reported by Selene Finance. I have NEVER once been late or missed a payment. I have contacted Selene Finance by phone, certified letter via USPS, and email to get this issue resolved, yet my problem remains. I initially contacted them in XXXX of this year in attempt to get them to correct the issue. These late payments are hurting my credit worthiness in a drastic manner.

Company response to consumer: Closed with explanation