vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to Santander Consumer, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from Santander until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between Santander and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the Santander call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to Santander on the XXXX XXXX while Gap Insurance sent the check on the XXXX. Santander failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one Santander rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling Santander several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because Santander in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently obtained a rate lock on a mortgage with Wells Fargo. Before obtaining the rate lock, they repeatedly say that the rate lock can not harm my rate position, but does protect me against rates moving against me. During the time period before closing, rates moved in my favor ( more than an eight of a point ) and I asked WF to adjust my rate. I was told by a WF employee that they do not improve customer rates until the difference is a quarter point, and then they split the difference with the customer. This is entirely antithetical to the concept of a rate lock. The rate lock is there to protect the consumer from harmful rate slips during the closing process, not to make more money for the bank. Please work to correct this injustice.

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 2017-11-30 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: CA

Complaint narrative:
This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX  same time I disputed these items with this credit repository. XXXX removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.

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 2017-11-30 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: MI

Complaint narrative:
RE : Request for Investigation of Unauthorized Inquiry, I checked my personal credit report, which I acquired from your organization on XXXX XXXX, 2017, Report Number XXXX, and I noticed unauthorized inquiries had been made. 
I contacted ALL inquiry sources, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

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 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary spv. I Llc mailed me a court judgment / entry default in the amount of XXXX. 

I do not perfect this and have never received any collection notices nor phone calls. 
I was never served with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I saw a hard inquiry on my equifax from XXXX XXXX XXXX XXXX XXXX without my Authorization , XXXX XXXX XXXX is denying that they have not done any hard check, Equifax recognizes the hard pull

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: CA

Complaint narrative:
This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX same time I disputed these items with this credit repository. XXXX  removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.

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 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
On XX/XX/XXXX I contacted XXXX about a letter I received as I have had a very difficult time repaying back my student loans. When I called my first option was that for 9 months I could pay around XXXX and then my payment jumps back up to {$570.00}. I then wanted to see about a pay off amount. I was quoted at about {$30000.00} due by XX/XX/XXXX. I would be given a 25 % discount on loans that were taken out illegally and also for loans that the interest is 5 times the principal. Principal should be around {$6000.00} each I have 2 loans or {$12000.00} total. In XX/XX/XXXX when I was repaying them I was promised I could use a credit card and pay any amount I wanted. I was going to pay off the loans then and be done but the lady that handled my case said that the csr never said that and I could only make the minimum with a credit card which was complete XXXX. What 's worse is XXXX is not very willing to work with me. I tried twice to get these loans discharged but XXXX was the one reviewing the discharge and denied it based on I had been unenrolled in school longer than 120 days and failing to ignore the special circumstances provision. Since XXXX XXXX was shut down due to illegal practices such as telling me these were federal and not Private loans and other things from other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: CA

Complaint narrative:
By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks.

This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have a credit card listed on my credit report that I did not apply for. I have requested proof from the collection agency to no avail. I have never seen the card, did not sign for it nor have I signed any transactions for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XXXXX-16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, my wife and I purchased into XXXX XXXX in XXXX XXXX. They insisted on a down payment and suggested we apply for and use a XXXX XXXX XXXX through Barclay Bank. On XXXX XXXX, we realized that XXXX did not deliver on their promises so I called Barclay and disputed the charges of {$3900.00}. I explained that I purchased a product/service from XXXX and did not receive what was promised. Barclay recorded the dispute and I got a letter from them stating that they would be investigating the dispute, on our behalf, and issued a credit for the charges. I also told them that an automatic monthly payment to XXXX was scheduled on this XXXX and that they needed to stop that too. They said they would. 

I never got my card from XXXX and in XXXX, I got a bill from XXXX with the charges put back on along with the XXXX payment charged to the card which not put me over my credit limit. I called Barclay again and XXXX, Dispute Advisor, said that I was misinformed because there is no way to stop an automatic payment schedule and that I would have to close the account to keep further payments from charged to the card. So I did that. Then he said he does n't understand why the charges were put back on the card because he does n't see that XXXX responded to their inquiry. So he said he would resubmit the dispute and that I did not need to worry about making any payments. Keep in mind that I still have not gotten my card and I have not used it at all. 

I get another bill with interest charges, a late fee, and an over the limit fee. I call them again on XXXX. I talk to XXXX this time. She says XXXX did respond and showed my signature for the original charges. I explain to XXXX now that I did not receive what I paid for and that is why I am disputing the charges. She then claims that a questionnaire response was sent to me. I did not receive any other correspondence from Barclay. She said she would send out another one and to give it 10-15 days. I still have not gotten the document. 

Last week, got an email alert that my credit score has gone down because Barcley reported a delinquency to XXXX. I called Barclay today, XXXX and they informed me that their computers are down and that I need to call back tomorrow. 

I have spent several hours of my time on this issue with Barclay that I will never get back. I am a XXXX XXXX XXXX and my wife works for a XXXX and this experience shows Barclay 's  nonexistent customer service. I just want our credit restored, these charges removed, and this matter be put behind us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 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: TX

Complaint narrative:
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

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 2017-11-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

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 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In Bank of Americas response of XXXX/XXXX/XXXX submitted to CFPB, they stated that my DTI was at 70.37 %. I asked Bank of America ( BOA ) the breakdown of the how this percentage was arrived at. The representative did not have that information and said they would get it from their underwriter. 

When they called me back a few days later they provided me with the following line items used to calculate DTI : DEBT : {$6200.00} : {$3000.00} Bank of America mortgage based on 15-year loan term for {$400000.00} {$25.00} one XXXX credit card {$31.00} second XXXX credit card {$13.00} XXXX XXXX {$25.00} Bank of America credit card {$370.00} XXXX XXXX {$2600.00} XXXX XXXX  consisting of {$2100.00} mortgage + {$520.00} estimated taxes + {$47.00} Homeowners insurance Total : Current monthly debt as calculated by bank {$6200.00}. 

INCOME : {$8800.00} No line items were provided. 


In the DEBT calculation I asked for an explanation of {$3000.00} and why they had calculated debt based on a 15-year mortgage term instead of a 30y term what I had applied for. They stated it was their mistake and could not provide me with an answer. 

In the DEBT calculation of XXXX XXXX {$2100.00} I explained that the monthly payment is {$1200.00} not {$2100.00}. No satisfactory explanation was provided. 

In the INCOME calculation I informed them that my monthly income was {$13000.00} not what they stated. They said they will have someone else look at it more closely. 

BOA stated they could not now alter any numbers nor use the hitherto submitted figures since more than two months had elapsed since my application. They asked me to apply again. 

Since XXXX XXXX, XXXX I have been trying to apply to refinance with BOAs recommended representative but they have failed to return my calls nor answer my emails. 

EXPLANATION REQUIRED FROM BOA : I fail to understand the logic of risk assumption based on {$3400.00} a month on their loan against the more secure {$1800.00} a month. 

Please explain to me why BOA is accepting a higher current DTI based on my monthly payment of {$3400.00}. 

And also why choose to ignore the dependability of a $ XXXX monthly payment against the same loan.

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 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.

Company response to consumer: Closed with explanation