vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TX

Complaint narrative:
I am a victim of identity theft please remove this inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This inaccuracy is stopping me from wanting to get a new home for my family.

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 2023-07-24 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 HOLDINGS USA, INC.
State: MS

Complaint narrative:
Santander Consumer was the bank that supplied the loan for my XXXX XXXX XXXX. The vehicle was {$16000.00} at the beginning of XXXX when it was purchased. It was not explained to me that interest was going into a separate account. It was also not explained to me that there could be a GAP policy attached to my car note of {$470.00} per month. Fast forward to XXXX- they never supplied me with any information that they were in Federal Court for being a Predatory Lender. The vehicle was placed in the care of a towing company after the wheel was wobbling for a repair. The repairs totaled more than I could afford and at this point I had no choice but to contact them to give them the vehicle back voluntarily. During all of the time I owed them Santander called me almost every day and sometimes more than one time in a day. They ultimately decided to abandon the vehicle ( did not retrieve it ) and stated to me that the reason why was that it was not worth it for them but that I needed to continue to pay on a loan for the car a total of {$11000.00}. This means that over the last five years they have collected {$28000.00} approximately in nothing but interest and only {$5000.00} ( {$1000.00} per year ) towards the vehicle. Leaving me with an {$11000.00} balance to be repaid for a vehicle that was probably worth {$5000.00} or more of the {$11000.00} they stated that I owed in writing. When asked to send a communication by mail stating that they abandoned the vehicle they refused to do so. They have been calling me every day while I am working and trying to re-establish myself after the pandemic hit me financially as hard as it did. This is not right. Someone needs to do something about them. This was a flat out HOAX. Nothing they tell you is true about how the loan is repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: WV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2023 I deposited a check to Bank of America that they flagged me for possesion of a counterfeit check. 

It all started when I put my apartment subleasing up on XXXX. I got in contact with an out-of-state student that claimed they were relocating to be a student in my college town of XXXX, FL from XXXX, TX. They agreed to take over my lease and I even asked them for proof of id and if the check was legit before they had their supervsior send me an e-check for the student 's last paycheck ( {$2900.00} ) and I tried to mobile-deposit it the same day but a few days later the Fraud Team contacted me for details and I told them this situation and they said they would suspend my bank activity till the XXXX and then I should regain my account access but then I re-checked on the XXXX and saw my account was locked and when I contacted Bank of America they just said I was in possession of a fake check so they completely closed down my entire account even including the savings account that I shared with my parents who are long-time Bank of America customers .

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 2023-07-24 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. Balance is over double original balance with no validation or explanation. Account has went from open to closed to collections and back to open several times within the last 5 years on my credit report. I have never owned the car they state I financed nor do I have any information regarding vehicle.

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 2023-07-24 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: TX

Complaint narrative:
If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or XXXX be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove tricolor for my account

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 2023-07-25 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: TX

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-25 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: TX

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these 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 2023-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have mortgage through Mr : Cooper since XXXX on my primary residence property XXXX hermosa way, XXXX fl XXXX. 
I have been making my payments on time since I bought the home. On XXXX due to Covid I lost my job for few a months, therefore I was placed under Covid forbearance program which I was accepted for more then 6 months. I went back to work, and was ready to start re paying my mortgage. I was told to apply for loan modification program which I did in beginning XXXX. However it took them a few months to send me proper paper work. I received the paper work via email and went to local FedEx to notorized the paper work as well as send them via certified mail. I waited from XX/XX/XXXX till XX/XX/XXXX thinking they will get back to me with an answers which I never received. 
I wad told they never received my paper work and my loan modification fail through due to not receiving paper work on time. I don't understand how come they never received my " certified paper work ''. And that I have to re apply again. I re applied again for loan modification in XXXX XXXX, hoping it will get resolved so I can pay my mortgage. I submitted all necessary paper work, was told everything will be completed soon by end of XX/XX/XXXX. 
All of sudden my application again disappears, and I do not see anything online for status update. I spoke with the agent and told me that my application was switched to " easier program '' through FHA loan that is why I can't see anything online. Since it was switched to different program under modification they have to redo whole thing again per conversation. 
Finally on XX/XX/XXXX, they accepted my application and was told it will get done within 60 days. It's pass 60 days and still have no answers. 
Due to delay on this program, my mortgage been stacking every month and unable to pay partial or even something because they demand I pay past balance due of XXXX or esle they will be foreclose my home. I received letter from foreclose from Mr copper for not making monthly payments which I couldn't pay because my loan was under modification status for so long and they keep messing up. 
Foreclosure is on hold they said because my application is still under modification underwriting. I get phone call from them telling me if I don't pay my balance it will be foreclosed. Then some other people tells me forecloser on hold. I'm very confused with what they are doing with this process. 

My loan modification underwriting been taking all these time and I'm left unanswered. I live with my 3 children, I'm a single mother and I'm a nurse. I'm fully capable of paying my monthly mortgage payments.

I need Mr Copper to give me honest and full disclosure and stop running me around and I do not want to loose my home. 

Please help with this process and why they are taking this long to simple modification of my FHA loan. 

I appreciate your help Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I opened an account with Citizens Access Bank on XX/XX/XXXX. On XX/XX/XXXX I made a deposit from my sons account in his name for {$800.00}. On XX/XX/XXXX I made two deposits for {$300.00} and {$2100.00} from an account in my name. Since XX/XX/XXXX Citizens Access bank has frozen all the funds in my account based on the {$800.00} deposit from the bank account in my son 's name. They have informed me the only way to resolve the situation is to add him to the account as a joint owner. The issue is they are unable to verify his identity and continue to freeze all the money in the account. My son recently turned XXXX so he has no credit history, but other banks were able to verify his identity and allowed him to open bank accounts in his name, but Citizens Access continues to deny due diligence to resolve this issue. They have frozen {$3200.00} since XX/XX/XXXX and today is XX/XX/XXXX. 

I have made multiple attempts to transfer the funds out electronically to accounts in his name and my name and citizens ' access continues to deny the transactions. I have made multiple phone calls on many dates to discuss the issue and since Citizens Access Bank continues to be unable to verify his identity and/or resolve this issue all of the funds continue to be frozen. All we need is to close this account and have our money returned to us Please help us get access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hi there, My complaint is about Square ( the payment processing platform ). My college roommate and I started a XXXX XXXX about 5 months ago and we have done everything completely by the books. We have all of the proper licensing and insurance. We opened a square account on or around XX/XX/23. Square allowed us to set up an account and start receiving payments. We then got an email on XX/XX/23 that our account had been permanently deactivated. When we called support, they said they could not provide any reasoning and that they are holding our funds for 120 days. They also stated that we could set up a new account with a new email to fix the " problem '' that they could not disclose. So, we set up a new account, and again started taking payments. Our second account was set up on XX/XX/23. We then got an email today XX/XX/23 stating that our account has been permanently deactivated and that the {$1000.00} + dollars in payments that we received are being held for 120 days. As a small business this is devastating to our cash flow. Not only did they mislead us by saying we could create a new account to fix any issues, they allowed us to receive payments in both accounts BEFORE telling us that our account is deactivated. I called once again to find out why our account had been deactivated, and, once again, they stated that they could not give me any reason. So now, our business will suffer financially while they accrue interest on our hard earned money. Why do they have to hold our money for so long? Why do they not offer a reason? A simple search on XXXX or XXXX will lead you to find thousands of cases just like mine where square has shut down a small business account and withheld their funds without reason. Many of these businesses end up going bankrupt because of this predatory practice. PLEASE help put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Good evening, In XXXX of 2023, I lost my job and have been out of work. Because of being out of work I am not able to make my student loan payments and was dropped from the repayment program I was in. From XXXX of 2023 through the present day I have reached out to Navient asking if I could put my loans in forbearance, they stated that I no longer have any time left and there is nothing they can do for me. In XXXX of 2023, I noticed that I received an email from Navient stating that I was re-enrolled back into a payment plan. I never agreed to be back in the program as I still don't have study income to keep up with the payments on the loan. Once again I asked if there is anything you can do to help out with my current situation. Each time I call which has been once a week, I have received different information about my case. I believe that Navient does not have a clue about how to handle my situation. On XX/XX/XXXX, I received a letter stating possible litigation. I believe that Navient has unfairly handled my case and does not want to help. I can't be the only person in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. STILL, I WAS TOLD BY LOSS LITIGATION AFTER 12 MONTHS BEFORE THEY FINALLY APPROVED MY TRIAL MODIFICATION THAT MY MORTGAGE WOULD GO FROM {$1300.00} TO {$1800.00} X 30 YEARS NOT {$2600.00} TRIAL DUES WHICH DOES NOT INCLUDE XXXX XXXX XXXX DUES OR SPECIAL ASSESSMENT FEES THAT MAY ARISE IN THE FUTURE. THE {$2600.00} TRIAL DUES IS PUTTING ME AND MY FAMILY IN HARMS WAY. 
I AM A XXXX XXXX VETERAN THAT RECENTLY RECOVERED FROM COVID 19 NATIONAL DISASTER. PLEASE, PROVIDE ME WITH A REASONABLE MORTGAGE DUES SINCE I HAVE AN EXCELLENT FIDUCIARY RELATIONSHIP WITH MR COOPER. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: LA

Complaint narrative:
I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these 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 non-monetary relief