vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
i recieved a predatory loan in 2008 from XXXX, then whitney and now hancock of XXXX fl.the president of XXXXand his sister construction loan officer stopped my draws my loan was for XXXX to complete my home i still had XXXX to use i could not go on so my home was nt finished i got out my loan papers which were mailed weeks later i went over and over i seen where they put my income at XXXX a month my actual income was ssi XXXX that i gave them proof of my co-borrow XXXX they put her income at XXXX actual was XXXX our combined actual income was XXXX not the XXXX they listed my assets the home where the house was being constructed i paid XXXX they put it as XXXX i also had XXXX vacant acres i paid XXXX 6 months prior they put dowm XXXX on loan docs XXXX different % rates XXXX different loan officers signatures with XXXX different dates which means XXXX signature is a fraud i have been trying to get help forever now i got forclosure papers i lost everythig this was my dream home and have nothing i have all docs to prove what i say but dont know where to turn aty gen fl., hud, i amm on ssi and get only XXXX per year so i cant afford an atty i even contacted the fbi by email and phone they have never once got back to me they listed my net worth at the time as XXXX know way is this true maybe XXXX if that know nothing we didnot lie on our app we gave them our proof of income when siging they put papers in front of us and we just signed our loan docs were mailed to us weeks later and i never looked at until they stopped my draws that should have terminated the mortage i would have finised my home and been living in it instead of being forclosed on now there is so much more to this and i have all the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: WI

Complaint narrative:
Recently I was contacted by High Point Asset, Inc. and told that I had XXXX Pay Day loan debts that were out standing. My home address that High Point Asset, Inc. provided was incorrect, but they did have the correct bank account information. High Point Asset, Inc. would not provide me with any information pertaining t o the creditor/creditors that I supposedly owe. High Point made me agree to a payment schedule where they will be taking money out of my bank account starting on XXXX/XXXX/2015 each month until XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: TX

Complaint narrative:
I was called on my cell phone at XXXX and left a voicemail to call back ( XXXX ) because they " needed my statement since I was a person of interest ''. I called back at XXXX, phone rang at least XXXX times before a XXXX XXXX XXXX picked up. He advised me the call was an attempt to collect a debt and our call was being monitored. I proceeded to get the company information from XXXX XXXX. The collection company was called High Point Asset Inc. ( http : //highpointassetinc.com/ ) and they were calling about XXXX pay day loans taken out under my name, which he repeated back to me, my social security number, which he repeated back to me in whole, and my home address, again repeated back to me in whole. He advised of the dates the loans were taken out and the last XXXX of the checking account used, I advised XXXX XXXX I did not have then or now a XXXX XXXX account matching those numbers nor did I live at the current address when the earlier loans were supposedly taken out. XXXX XXXX was very warm to speak too, kind. He said he would forward me everything they had on my account so I could go through the proper channels to dispute the charges. We spoke for over 30 min and he even gave me his extension number ( XXXX ) for me to call back to update him on my findings. Everything seemed legit other than the fact I never took out any pay day loans. He gave specific dates and amounts and company names the loans came from. He did only email me one collection letter, but no validation of debt. I mentioned to him towards the end of my call that in my field of work we have a hallway of dedicated lawyers so as soon as he could send me information I was going to take to them for review, about that time he told me he had been on the call too long and would have follow up with me later. I have since been trying to research this collection company, but all I find is that it is a scam. I have since called all XXXX of my credit reporting agencies and flagged my social for fraud until I know further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM FINANCIAL MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On or around XXXX, 2013, I went to one of the branches of Santander Bank at XXXX XXXX in XXXX, XXXX XXXX to sign to be ( opt-out ) from my checking account ending in XXXX. At the same time, I applied for an over draft protection account which it was approved. to my surprise, the opt-out I singed in for did not took an effect at all. how ever, I called them so many times in regards to this incident, but it was fruitless. I made so many phone calls trying to escalate the issue, but no one seemed to be helping me at all. there were times I was put on hold for about 45 minutes and at the end of 45 minutes, they hung up the phone.every single time I called. I always ended up talking to one of the branches in XXXX, the service in this branches was horrible, I ask one of the representative that I wanted to talk to a manager, I was told that there was not managers available. they took my name every single time I called stating that a managers will call me within 24 and 48 hours, but that never happen. despite the fact, I have signed to be opt-out from my checking account, they continue paying any incoming charges with out being available fund to cover with out my authorization. so far, they have charge almost {$3500.00} just in over draft and sustained fees in the matters of three years. just in the last month, I received a letter from them saying that I have paid them {$750.00} dollars in over draft fees. it is pretty obvious that Santander bank is doing this to profit themselves illegally by ripping off customers that are struggling to pay the bills on time. it is clear to me that Santander did not activate my opt-out as a purpose to make money from over draft fees. 
I called them almost a month ago and I spoke to one of the mangers that refuse to give me her name, I told her that I had signed three years ago to be -opt -- out from checking account and finally they discovered that I did, and now it is in effect but is too late because they already charge all the money. 

My desire solution from this illegal act from Santander bank is that they need to pay me back all the over draft and sustained fees charge to my account which are almost $ XXXX.dolars. also, I want the Consumer Financial protection bureau to thorough investigates Santander Bank for any other illegal practices that they might have been doing with customers. 
sincerely, XXXX XXXX. 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 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Called Equifax over the weekend to unfreeze my credit report. 
The call was directed to XXXX. When I requested a US based representative as I am entitled to, I was told that the US call center is " closed '' and if I want to lift my credit freeze that I must talk to the XXXX based representative. 
I believe that this response is illegal because under US law I have a right to speak to US representative to maintain my rights under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX has a recent 30 day late on on my credit report. XXXX sold my account and XXXX other agencies are currently attempting to collect for this debt ( XXXX, XXXX, XXXX XXXX ). I started a dispute with them and now they have placed a 30 day late on my account again ( THIS NEEDS TO BE REMOVED IMMEDIATELY ). This account was closed on XX/XX/2014, how can there be a 30 day late. I need this to be removed immediately. This is not fair practices ... I also need to see where they still own the debt or XXXX needs to report a {$0.00} balance. Tell me who owns this debt or remove it off the credit report all together ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Inquiries appeared on my Equifax credit report and Equifax in violation of the credit laws refuses to remove them. They need to be removed as they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XXXX issued me an American Express Card which I never received nor activated the card. American Express has turned their annual fees over to collections and have filed it on my credit report. I never received an American Express and the card that they claim was issued has never been activated. I need my credit repaired by American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute to have an old XXXX XXXX Credit Card Removed from my Equifax credit report that was past the Statute of Limitations reporting period. 
This account was previously reported as closed by Equifax with the last date reported by XXXX of XX/XX/XXXX. No information updated or received after XXXX/XXXX/XXXX, account closed in XX/XX/XXXX, last activity in XX/XX/XXXX. 
Dispute verified received by Equifax on XX/XX/XXXX. Second notice that Equifax was investigating dispute received XXXX/XXXX/XXXX. 
I received notice that my Equifax account status had changed from a third party credit monitoring service, XXXX on XXXX/XXXX/XXXX. 
Checked with credit monitoring service and saw that Equifax had changed status of XXXX account from closed in XX/XX/XXXX to currently " Open '', " Past Due '', and " Sent to Collection '', which greatly impacted my credit score causing severe damage to my credit. 
I spent over 90 minutes on XXXX/XXXX/XXXX waiting for a live person to speak to at Equifax and the representative verified that there had been no investigation results to justify the change in account status, and that there had been no new information received from the creditor since the last date of XXXX/XXXX/XXXX ( Note that the date of last reported by XXXX XXXX changed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX between the XXXX Equifax report dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) when the account was reported as " closed ''. 
I filed an identical dispute with XXXX XXXX for this same XXXX XXXX account on XXXX/XXXX/XXXX requesting that this account be deleted from my XXXX XXXX Credit File due to the reporting period Statute of limitations having tolled and XXXX XXXX promptly confirmed that the account had been closed for more than seven years with no activity and deleted the XXXX account as requested on XXXX/XXXX/XXXX. 
How can Equifax respond to an identical dispute to remove an account that has been reported as closed by all three credit reporting agencies for so long that it should be deleted, by changing the account status to " Open '', " Past Due '' and " Sent to Collections '' while reporting the account as under investigation? They have also arbitrarily re-aged the account as having a last reported date of activity as XXXX XXXX with no new data from the creditor ( still reporting the file as having the last update from XXXX XXXX in XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I XXXX and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was due yesterday XXXX/XXXX/17, it was {$730.00}. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have lived in the same place for over 12 years every year i ask EQUIFAX XXXXXXXXEquifax Information Services LLCXXXX XXXX, Georgia XXXXi never had a problem with the other XXXX credit reporting companys just equifax for 12 years at the same address refuses to give me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have gone back and forth with both XXXX and Equifax credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. Equifax and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both Equifax and XXXX and XXXX came back with XXXX credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
my actual name on my nys id is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, new york,XXXX not XXXX XXXX XXXX XXXX, this is no XXXX XXXX XXXX XXXX or XXXX like equifax , XXXX and XXXX has it on my credit report, i have ask them to fix the issue more than once with no luck i even send a copy of my id and fax it also and email it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Equifax file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
I purchased my home in XXXX and was not required to have flood insurance because I was in Zone X. My servicer was XXXX. At some point in the last few years my servicer changed to Seterus. In XXXX FEMA changed the flood maps in my area and placed my property in Flood Zone AE ( high risk ). I did not get any notification of this change from FEMA nor from Seterus. I was unaware of the change until recently when my home flooded with XXXX ' of water from the XXXX flooding. I checked with my neighbors and most of them got notifications from their mortgage company when the maps changed telling them they had 45 days to provide flood insurance or it would be placed for them. I have read that it is a Federal Law for mortgage companies to place flood insurance on their assets to protect them when they are in high risk flood areas. As I understand it is their responsibility to know this information and inform me. The situation now is that I have a home worth pre-flood XXXX but now needs XXXX to rebuild. I currently owe XXXX on the original mortgage. I feel that the servicer or XXXX or FEMA bear some responsibility in not having the coverage I needed. I have gotten some money from FEMA as disaster relief but not to cover rebuilding. The home currently is vacant and not livable. I have called Seterus and they give me the run around sending me to their Insurance department XXXX who then tells me I do n't have Flood Insurance. ( I know ) They tell me I can not talk directly to their property mitigation department nor directly to XXXX about getting help with rebuilding costs by way of cash or mortgage reduction. I do n't want to walk from the house but the numbers just do n't add up. I need to find the right person which has not happened to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm a victim of identity theft and Equifax refuses to remove these XXXX accounts from my credit file with is in violation of section 605B. I just do n't understand the logic behind this or what 's going on! How does this law protect me if the bureau does n't abide by it? I never received any documentation proving ownership, I receive statements that these are mine and that they have been verified. How were they verified? Where 's the documentation? Where 's the original contract with my signature? Who did they speak with? What was the date? Was it via email, phone, fax, etc.? This is not fair that someone can steal my information and utilize it like this! Someone obtained medical services with my information and then did n't pay it. Someone opened an auto loan with my information by walking into this dealership with my pieces of identitification and they left there with a vehicle. They can repo the car! I do n't care because I do n't have it! I never had it! I want this information off of my credit file immediately and I have no problem making a complaint with the Attorney General. Actually, I 'm going to do that right now.

Company response to consumer: Closed with explanation