vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX I purchased my first car at XXXX years old. I had been saving up for quite a while because no dealership would sell me a car with a small down payment due to my age and lack of credit history. I inquired XXXX XXXX located in XXXX, TX on a XXXX XXXX XXXX which had over 63,000 miles priced at $ XXXX {$15000.00}. 
I brought {$10000.00} CASH. Being naive, I signed a loan with Santander Consumer which only listed {$2000.00} down. I did not realize this until I tried to get the payoff information for the car, thinking I only owed {$4000.00}. My credit score has been completely ruined for one late payment and I am {$30000.00} in debt including the 22.9 % interest I get charged at XXXX years old for a car I should owe less than 5 thousand on. 
I am highly frustrated with the situation because they took advantage of me and when I tried to resolve the issue, I was ignored. The dealership is being shut down because of fraud and title problems. I tried to get a lawyer but the cost would be more or the same as what is owed on the car. 
I do not know what to do at this point. The thing that upsets me the most is my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Complaint Against : Wells Fargo XXXX XXXX Issue : Fraudulent Refund Check for Expired XXXX XXXX Money Order I mailed an expired {$500.00} XXXX XXXX Money Order to XXXX XXXX with the XXXX XXXX refund form. 

I received a {$470.00} Wells Fargo check as a refund for an expired {$500.00} XXXX XXXX money order. 

I deposited the check into my Wells Fargo checking account on XX/XX/2019 and it was returned, unpaid, on XX/XX/2019. 

I am requesting a 100 % refund of the {$500.00} paid with a Bank/Cashier 's check. 

There has been no reply from either XXXX XXXX or Wells Fargo. 

It appears that both XXXX XXXX and Wells Fargo are in a conspiracy to not pay refunds for expired money orders.

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 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I began asking Mr. Cooper with help paying my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I spoke with XXXX ( I dont have his last name ) and his recommendation was to apply for a loan modification. I wrote a letter explaining my financial difficulties. I was XXXX in XX/XX/XXXX and was denied 3 months of my social security benefits. I have been struggling to make a comeback from this. I am retired and on a fixed income. 
I mailed my 1st application XX/XX/XXXX. I was rejected because I missed the due date of XX/XX/XXXX by one day. 
On XX/XX/XXXX I mailed my second application with a USPS and a tracking number. It was delivered XX/XX/XXXX tracking number : XXXX. 
I began calling to check the progress of my application. I called XX/XX/XXXX and spoke with XXXX ; she reported no documents received. On XX/XX/XXXX I spoke with XXXX ( I am uncertain as to the accuracy of this name ). She reports no documents received. On XX/XX/XXXX I FAXED my third application. On XX/XX/XXXX to check progress. I was told they had no information. On XX/XX/XXXX I mailed my 4th application via certified mail number : XXXX. It was delivered XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called again. I was told I needed to submit award letters for my social security and my pension. I told them on page 3 of the documents required it states this information can be submitted by 2 recent bank statements OR with an award letter. I at this point had submitted 4 copies of bank statements with the social security and pension deposits highlighted. On XX/XX/XXXX I mailed my 5th application. The issue of award letters so I FAXED them on XX/XX/XXXX. I sent my XXXX pension information and the needed the XXXX document. I FAXED the XXXX pension document on XX/XX/XXXX. I have not included the unreturned responses to my many phone calls and emails. I reached out to their Research Department as well as their Consumer Relations Department. On XX/XX/XXXX I called the Consumer Financial Protection Bureau. I spoke with XXXX. I was given on how to proceed with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I mailed LVNV Funding LLC a debt validation letter this past XXXX about a debt that is on my credit reports ( I will mail them another one if they did not get the first one ). They have not sent me written verification of this debt. Instead, Resurgent Capital Services has intercepted my request.This is in direct violation of the FDCPA because it is false or misleading representation and they are not the current owners of this debt. 

I would like a response from LVNV Funding LLC and only LVNV Funding LLC regarding my debt validation request. I want to make sure that the company that owns this debt can prove that it is mine. Resurgent Capital Services are trampling over my rights as a consumer by impeding my debt validation request. The FDCPA was partially created to prevent unscrupulous unlawful debt collection companies from abusing consumers by using deceptive tactics which is exactly what Resurgent Capital Services is doing. The form that Resurgent Capital Services sent me is very deceptive because the form has their letter head and company logo on it. This creates a false impression that someone other than LVNV Funding LLC can collect on the debt. This scheme is a blatant infraction of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling 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 explanation
Consumer complaint received 2019-09-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling 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 2019-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
SLS ( Specialized Loan Servicing ) is not giving the proper credit to principal. This has happened every month since XXXX XXXX XXXX sold or transferred the loan to SLS. I want to know why there is a difference between my calculations and SLS. My calculation for the recording of the XXXX payment, received by SLS on XX/XX/19 is : 27 days x {$290000.00} x daily interest of .000113 - {$1300.00} = {$430.00} the principal amount paid. I only received credit for XXXX, a shortage of {$110.00}.

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 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
i have written and disputed XXXX XXXX AND RMP SERVICES about all of the accounts listed on my credit file. RMP CLOSED AND REMOVED ACCOUNTS on each of the credit files XXXX XXXX and XXXX only to put the information BACK on my credit file. 

These amounts are NOT correct as I have always had DUAL insurance. I have asked over and over for a financial break down of these charges and proof that this is actually owed. I am demanding these accounts be REMOVED from my credit file and NOT ADDED BACK onto my credit again. 

There are 9 accounts listed for RMP SERVICES on XXXX  and they were REMOVED from my XXXX account. They were added and REMOVED from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a XXXX mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX   XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2019-09-18 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: GA

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Mr. Cooper is my second mortgage on my house. I have sent them financials and request for mortgage assistance and I have had a hard time with them processing my request. The have declined my request and didn't give a reason for the denial, letter states I need to sale my home if I can't afford my home. I feel I'm being discriminated against because of my age and I'm a XXXX elderly man. Under the Consumer Protection or Flex modification the mortgage company is suppose to assist the homeowner with staying in their home. I don't want to lose my home to foreclosure. 
I'm on a fixed income and I can afford my home. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
On XX/XX/19 I received an email of a balance transfer in the amount of {$20000.00} on my credit cart, On XX/XX/19 I called card company and reported that said charge/balance transfer was not correct and blocked use of said card, was told I have a response in 3 days XX/XX/19. Called again, no action had been taken XX/XX/19 - Received email that no Fraudulent Activity found XX/XX/19 - called card company again at XXXX XXXX, requested info as to when and how this transaction was originally initiated and approved/moved forward. To date no info received. 

XX/XX/19. Called card company again and requested same info above XX/XX/19. Called XXXX and put fraud alerts on accounts XX/XX/19. Called card company again - 40 minute call no results XX/XX/19. Sent Certified Mail to card company, no response to date XX/XX/19. Called card company again, was told still being investigated - 26 minute call XX/XX/19. XXXX ( employee # XXXX ) from card company called about collecting debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
My Union Bank had deducted an amount of {$1800.00} from my XXXX XXXX on XX/XX/XXXX. 
The credit was not available on the XXXX of XX/XX/2019. I called the customer service people at UB Credit Card ; who said it is totally at their discretion as to when they release the funds - is this possible?

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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I noticed a negative collection account on my credit report that I was not familiar with. I disputed this account through the three credit bureaus and it came back as verified by the collection agency to the credit bureaus as being accurate. I then sent a faxed letter to the collection agency asking for documentation such as a signed agreement, billing statements, and something showing they had the right to collect the debt on behalf of the original creditor. They responded with a letter showing the balance they are seeking to collect and no supporting documentation that shows I owe this debt and owe it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a victim of the XXXX  data breach, I placed a fraud alert on my credit report. The fraud alert shows up on the credit report on all 3 credit reporting agencies but it does not show my phone number. 
I tried calling Experian to speak with a live person in order to add my phone number to the fraud alert. However, their telephone menu does not allow this. All it asks is if I want to place a fraud alert, submit documentation. I am frustrated because the fraud alert is already instituted, but not my phone number. 
I am in the process of obtaining a loan and need my phone number added to the fraud alert ASAP before I can speak with a loan officer. 
Filing this complaint is the only recourse I know as CFPB quickly resolves issues affecting consumers.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, my Credit Rating was decreased by 25 points. I checked the report prepared by this agency and could not find a single change from the report as it existed just prior to this change and the report as it appeared after I was notified that my rating had decreased by 25 point. 

On, XX/XX/XXXX, I called to ascertain why this change occurred and was informed that the agency could not tell me the reason. 

How do I find out what prompted this change and correct the information that apparently led to this event happening?

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is extremely hard to contact a human being with trans union and when I do have to be extremely XXXX   to get anything moving. Reported wrong or false employer. I have worked for the same company for some time now and am absolutely XXXX  with all the false reporting that has been tied to my social security number in the past couple years. It needs to be fixed before I need to apply for anything else. I need it removed immediately or I will have to go after trans union for fair credit reporting act. Thanks guys. 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 2019-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2019, I attempted to cash out {$32.00} from a XXXX XXXX account I had set up. After entering my PIN number I was prompted to identify my bank. I felt this was unusual so I started the process again. After several attempts I XXXX   XXXX XXXX Customer Service and a XXXX XXXX number came up as a customer service number for XXXX XXXX. After speaking to the individual, we engaged in a series of questions involving the credential of my account. The individual indicated that he would have to access my phone to see what I was seeing. Once this took place and I entered my PIN a series of transactions begin to hit my PNC account and within two minutes I was receiving calls from PNC and my checking and savings account had a XXXX balance. I continued on the phone with this person for another 30 minutes as he assured me these were random test amounts. I walked to the closed PNC during this phone call which was located on the corner of XXXX and XXXX XXXX, XXXX. Washington DC. A bank customer service rep took the phone and immediately detected it was fraud and discontinued the call. She also noted my account of the call. A fraud report was issued with the bank. XXXX XXXX did not respond to any emails sent to the company by me and informed the bank that I did have a XXXX XXXX. Needless the say the bank informed me on XX/XX/2019 their investigation found the charges valid and debited my account {$1200.00}. This is the amount removed from my account. Their response was due to the fact XXXX XXXX confirmed I had an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My Fidelity credit card was closed because, as Elan claimed, they sent me a letter asking for information and I did not respond. I never received that letter. As a result, they closed my account and forfeited all rewords points. 

I have contacted Elan and they are not willing to re-open the card or re-issue my points. Given that this card was marketed by and named " Fidelity '', I believe Fidelity needs to act on it.

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