vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello, I am writing this letter to file a formal complaint with santander usa. The company has reported my account past due when I was told on several calls that it would not if I continued to make the payments due to the account having reached maturity. The goal was to get a modification approved. I specifically asked if i was ok with making the normal payments and that my account would not be adversely affected. The agent assured me that it would not and they would offer a modification to take care of the remaining balance. To my surprise of the weekend of XXXX XXXX was notified of the late payment status to the credit reporting agencies. In addition, the modification documents for signature and the email noted it would deactivate on the XXXX. I attempted to access the document on the day and was given an error message. I am currently under going a refinance of my house. I acted on the advice from the agents regarding payments which appears to have been incorrect. I respectfully ask that this 30 day be removed from my credit report. I only did what i as told. Listed below are the times and agents i spoke with. 

Thank you very much. 

XXXX XX/XX/XXXX- Agent badge XXXX XX/XX/XXXX - Agent badge XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
The {$140.00} annual fee posted on my travel credit card. I decided to close it because of COVID and I don't travel much. I requested the card to be closed, and Banco Popular refused to refund the annual fee. Please refund the {$140.00} I had to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
This is my second time disputing the late payments for account FIRST INV SERVICING CO # XXXX from XXXX 2021. I had some issues with my income being affected by XXXXheCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
As an owner on the subject property 's title, I have been making mortgage payments to Rushmore, and the company had been accepting payments. Payment processing issues began on XXXX XXXX, 2021, when I called Rushmore ( XXXX ) to make XX/XX/XXXX2021 mortgage payment over the phone according to the amount due ( {$1600.00} ) on mortgage statement dated XXXX XXXX, 2021. Representative ( XXXX ) said Rushmore was not accepting any payments. On the same day, I mailed a check to Rushmore to pay for XX/XX/XXXX2021 mortgage payment ( USPS certified mail tracking # XXXX XXXX XXXX XXXX XXXX ). The mail was delivered, but the check has not been deposited by Rushmore as of XXXX XXXX, 2021. Although the loan is current, Rushmore is not accepting any payment, intentionally causing the loan to be delinquent, forcing the loan to go in default then subsequently foreclose the subject property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MO

Complaint narrative:
I applied for only one card, one time and was approved however Citi ran my credit twice and I therefore have 2 hard inquiries on my XXXX credit report from Citi Bank. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my XXXX credit file showing the 2 hard inquiries. I need Citi to please remove one of the hard inquiries.

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 2021-10-18 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: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian did not have the information from this creditor 100 % accurate and yet it is still be reported on my report. I have reported this to them plenty of times but they have yet to delete this off my credit report. Things inaccurate on from the creditor includes : address on documentation does not have same address as credit report, amount owed are different from documentation from credit report, along with balance, and other things.

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 2021-10-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
XXXX sent me an email of the update they did to my Mariner Finance account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment Mariner took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this Mariner loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't Mariner or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX listed for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX XXXX  everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their XXXX  mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Contacted Equifax and started a complaint there customer rep.I could hardly understand with his broken english in what ever country I was transferred to. I still file a complaint regarding account balances on my credit are incorrect.

1.XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - credit card balance showing {$360.00} paid off on XX/XX/52021 2.XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - credit card balance showing {$270.00} paid off XX/XX/42021 3.XXXX XXXX XXXX balance should be {$150.00} owning

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was XXXX  on XX/XX/2021 and I came home XX/XX/2021 when I came home I checked my credit score and I seen it dropping drastically as I looked more into I seen that fraud was taken place on my account. I didnt know what to do so I was told to contact here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: GA

Complaint narrative:
I disputed this account i saw on my credit report. The credit bureaus said it came back accurate and that this company certified this collection debt was in fact correct with out providing me the proof requested. At this point im being taken advantage of because i do not know who these people are, i never dealt with them and know they are demanding i pay for something i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The Ohio State Atty. Gen. Office, suggested that I get in touch with CFPB. I have a Sam 's Club MC. I pay my balance in FULL each month, & ALWAYS have. Since COVID, our mail service has been terrible. Not getting mail 6 days a week, mail being delivered after XXXX XXXX, & my mail going to wrong address. I spoke to a gal @ our local Sam 's Club. Her job is to intervene and help Sam 's Club members like myself, who are victims of fraud & legalized crime from Synchrony Bank MC!!! She talks to MANY people EVERYDAY, with the issues that I am contacting you about! I was told that this has been going on for quite some time... I was told that Synchrony does not like card holders like me, who pay off their full balance every month. They don't make the money on card holders who pay off their monthly balances. Tacking on fees & interest " daily '' to MANY consumers, is a way to fulfil their profitability. I contacted Sam 's Club Synchrony MC. I have spoken to several service reps ; and two supervisors. They are unwilling to help, not very nice to say the least, are short/rude, & just refuse to help! It is obviously their MO. One supervisor actually told me, that COVID & mail delivery, is NOT an issue! WRONG! ( Interesting that the parking lot for Synchrony locally is totally empty, as Synchrony employees work from home d/t COVID!! ) The Sam 's Club Rep., who could not be more nice/professional, told me that Synchrony told her that " the Sam 's Club MC, is a loan! '' As I am in my XXXX 's, have a college degree, & have had experience with credit cards ... What Synchrony is doing is fraudulent & wrong! I paid off my card in full as usual, then the new statement arrives, with fees & interest, totaling almost {$100.00}! Not getting our statement on time, Synchrony posting payment a day later on the automated service, the mail service, & COVID, is beyond our control. I look fwd. to hearing from the CFPB, in regards to this matter. Synchrony offers 5 % back on gas anywhere, 3 % back on Sam 's Club purchases, 3 % back on dining & takeout, & 1 % back on other purchases. Then they tack on fees/interest to ultimately take that away from the card holder/consumer! Hopefully Sam 's will dump Synchrony, as Walmart does not use them for the issues of concern that I have addressed...

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 2021-10-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I applied for only one card, one time and was approved however XXXX  ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX  to please remove one of the hard inquiries.

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: MI

Complaint narrative:
I agreed to pay Professional Finance Company {$140.00} and they took {$210.00} from me - so they stole {$66.00} from my checking account. Our agreement was for them to take {$140.00} and they over withdrew.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have dispute all of the information XXXX XXXX has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that XXXX XXXX never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the XXXX was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has XXXX spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to XXXX XXXX will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.

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 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc.
State: UT

Complaint narrative:
I called Cornerstone Mortgage in XXXX to get started on a modification after being on a covid forbearance. I was sent a modification packet which I filled out and then sent back in. I then called to confirm that they had received ALL of it which they said they had and to wait 30-40 days. Now about a month has passed and I have just received a letter stating I am signed up for a deferral program with my first payment date being on XX/XX/XXXX. I didn't ask for a deferral, I requested a modification. This is a simple Flex Modification for a conventional mortgage that was in forbearance due to a loss of income from COVID. This servicer is awful. I have called four times today and been hung up on twice. Most of the contacts don't know what I am referring to. No one knows what is going on. I have wasted a month trying to get a Flex Modification and gotten no where. I am desperate for someone who has an idea of what is going on with the Cares Act and the standard process of getting off of forbearance. They are now stating that I don't qualify for a modification and are forcing me into a deferral. This servicer doesn't understand what is happening and I believe they are putting everyone on deferment even after the customer has requested modification. Please help! They are forcing me into a deferral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.

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