vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander Consumer USA Inc not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and XXXX  will not remove the account until Santander does their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I disputed with the 3 major credit bureaus about my 2 old accounts with Capital One on XX/XX/XXXX and received my results from XXXX  as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with Capital One on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. XXXX  stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
TRANSUNION has ceased investigation of my credit report because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to deliberate deny my 3rd Dispute request, but I believe it to be a blatant violation of the FCRA, Failing to provide a block within 4 days of being notified from a consumer who's been a victim of identity theft. Failing to provide accurate verification within 30 days of receiving a dispute. 

You were advised by me on XXXX by certified mail with a Police Report and affidavit from the Federal Trade Commission regarding fraudulent items appearing on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ascension Point Recovery Services, LLC
State: NY

Complaint narrative:
I received a letter from AscensionPoint Recovery Services addressed to my estate. I was reported by XXXX XXXX who put on my credit report that I was deceased. AscensionPoint got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called XXXX XXXX and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by XXXX XXXX  and receiving letters to collect a debt from a dead person. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was trying to address my outstanding private loans with Navient ( approximately {$2800.00} ) while my federal loans ( approximately {$260.00}, XXXX ) was in forbearance/deferrment till next year. I recently renewed the forbearance/deferment. 

On XX/XX/2020, I received an email from Navient stating that my student loans have over {$71000.00} attached to it and it is suddenly in repayment. I am presently unemployed and collecting unemployment This is daylight robbery and FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
My Nevada State Bank account ending XXXX and account ending XXXX, was frozen by Nevada state bank fraud department since XX/XX/2020. I have spoken to a person by name of XXXX on the phone who works at the fraud department. He verbally said to me over the phone that his vendor XXXX XXXX received complaints saying that I was calling clients pretending I was the bank to collect XXXX XXXX  payments. I have told him I would never do that if theres an issue it should be from my clients side and I will do my own research. The clients provide me proof of payments which Im adding to this complaint. I am feeling discriminated by this bank and XXXX because I am XXXX they are not taking any consideration but looking forward to closing my accounts and break my business relationship with them. I contacted all the clients that sent me the XXXX, and they are willing to provide me all information that is required. Please help me unfreeze my bank accounts since I really need my accounts back

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 2020-06-10 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: CA

Complaint narrative:
I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted XXXX XXXX  ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report file. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to set up accounts for my children for a credit card company called XXXX, in order to teach them responsible credit usage and to teach them how to earn money by doing chores. 

PNC Bank wont allow me to link my checking account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have all the emails to prove that I was a victim of an internet scam. I wanted to purchase a dog and came across a page that had them much cheaper than everywhere else. I immediately messaged them. Puppies were sold for {$640.00}, I asked how much it'll be if I bought two, I was told {$1000.00} and {$75.00} for shipping straight to home. Then they send me an email saying that because of COVID puppies are required to ship in another crate and that the payment for the crate will be XXXX and to send it through XXXX, and that when the puppies were delivered I would get refunded XXXX. I went back and forth because I didn't have that money and all kinds of payment options were offered, like XXXX, XXXX, and even XXXX. After I saw I was getting the run around, I said I'll pick the puppies up myself in NC and I was never given the address and they were trying to make me think that the airport was holding the puppies. The shipping company they falsely used was " XXXX XXXX XXXX  '' ( XXXX XXXX XXXX ) I sent them {$1000.00} through my PNC debit account and {$75.00} through my XXXX XXXX account to a XXXX XXXX , through XXXX their email was XXXX I was so excited I was going to get two puppies that I even got pet insurances the minute I sent the money through XXXX, paying almost $ 100 monthly for pet insurance. 
Also the website is called XXXX XXXX XXXX  ( XXXX XXXX XXXX ) emails that these scammers used were XXXX XXXX XXXX ( delivery company email )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Won't let me link my acct, for a transfer to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
WE already submitted complaint regarding offering loan modification after the auction.PHH respond is not included why they did not offer us loan modification options before the auction and when we are ready to pay the negative amount, why they are not working with us. We are trying to contact them since last year but only they have ability to call us or contact us, but never responded what we ask. 
We need PHH to schedule meeting with our attorney and let us to share all court order and other facts to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This company XXXX XXXX contacted me about account that they stated I owed due to overdraft fees to XXXX from 2009, this account was resolved and closed which I told them. Not wanting to deal with the shouting, arguing person, I stated I would just pay it and be done, he offered me a 40 % discount I stated I would pay at 50 % of the amount. He agreed. I offered him my credit card if he agreed to furnish me with proof of the debt because I told him I was tired of telling him I had never received anything g from him. He refused to send me anything, which I understand I am entitled to a validation, he also refused my credit card and insisted on my checking account number. I told him I was looking his company up as we were speaking and everything I was seeing was that he was scamming me and that if he as legit he would have no problem sending me the validation even over night if need be. I offered him a money order, a cashiers check, wasnt having it, had to be my banking account. He told me he was done with me and that the attorneys were coming after me and my bank accounts. His last name was 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 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a letter from XXXX XXXX XXXX addressed to my estate. I was reported by synchrony bank who put on my credit report that I was deceased. XXXX got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called synchrony bank and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by synchrony bank and receiving letters to collect a debt from a dead person. I really need your help.

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union will not update my credit report. It states that I have 12 years of late or delinquent payments. This is not true and late payments do not show on my credit report. I have called several times and can only speak with a support agent. I have asked what are the late payments and why doesn't XXXX  and XXXX  show the same information. I have asked these questions and have only be told that it could be multiple reasons but never have I been given a straight answer. I have been denied credit because of Trans Union and have had to use a different method which charges higher interest rates On my bank statement they use Trans Union to show my credit rating and when I look at my credit score it reads a poor. I have tried to dispute this message but can not on Trans Union credit bureau nor can I establish a complaint with their support group. In 2008 I did lose my job and went through a rough period for a few years but that was years ago. Even a bankruptcy is removed from a credit report by law after 7 years or less I think. How long will I be penalized? I need your help.

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 2020-06-10 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
Fortiva allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX  and XXXX  also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
I have contacted Equifax and XXXX XXXX XXXX  several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX XXXX  is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
I recently filed a dispute to the credit bureau about 2 Chapter XXXX bankruptcy showing on my credit report. I received a status back saying the information was verified as accurate. I then reached out to the bankruptcy courts to see if they verify this information. I got a letter back from the courts stating they do not give/verify credit bureaus request to report on my credit report. I then reach out to XXXX XXXX to see if they verified the information reporting on my credit report I was told they do not verify that information and upon looking on XXXX XXXX web page it states that as well. How can the dispute come back as being verified if the courts and XXXX  XXXX did not verify it??? Please remove the 2 Chapter XXXX bankruptcy from my report immediately as I have filed multiple dispute. Please see documentation of what I sent the CB, what the I sent the courts and what the courts sent me back and XXXX XXXX web page stating they do not verify bankruptcy information on a consumer credit file.

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 2020-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MIDFIRST BANK
State: WI

Complaint narrative:
I had a chapter XXXX two years ago no credit is being reported on my credit history. I called bank they said never received a letter from the attorneys office to keep the house. After two years making the payment on time? Then last year they said I was short XXXX in escrow they fixed it to XXXX again this year said I was in shortage again now they want XXXX a month for what? Taxes went up XXXX more a year? Home insurance went up XXXX a year. why I have to pay XXXX thats XXXX a month than the original payment. I will write them again. They are making me crazy.

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