vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This account was originally set up for and on behalf of XXXX and XXXX XXXX, my parents. I made a few payments on the Loan on my fathers behalf after my mother passed away in XXXX. However, I was never the owner of the vehicle. I did not enter into any contracts with Santander Consumer USA on my own behalf or as a guarantor for any other person. As such, the Account does not belong to me, has never belonged to me, and should not be reported on my credit report. 
On XX/XX/XXXX, my attorney submitted a request for validation and subsequent deletion of the account, to which Santander replied via letter dated XX/XX/XXXX that they needed more information to validate and verify. I had my attorney prepare an additional letter, dated XX/XX/XXXX, providing the information requested and again requesting the validation and deletion of the incorrect information from my credit report. Copies of all correspondence along with delivery receipts of such correspondence are attached hereto. 
As of the date of this complaint, Santander Consumer USA has not responded nor provided the required validation of the Account. Santander Consumer USAs continued reporting of this account on my credit report despite their refusal and inability to validate and verify the account is in direct violation of the FCRA. As such, I am filing this fraud complaint against Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/2021 I called Shellpoint financial to make my mortgage payment. When attempting to make this payment I was told that my monthly payment was {$560.00} because my account went into escrow related to Shellpoint receiving my proof of insurance late. The receptionist told me that it would take at lease a month to correct this. I have spoke with Shellpoint a month ago to this date about the same matter. Also the receptionist told me that I had to send in a letter stating that I didn't want an escrow account. When I purchase my home I did not sign a contract for an escrow account. Since this company took over my loan I've been having problems. I had my home for 23 year and I never missed a payment. My payments should be {$440.00} every month it been this rate for 23year without any problems. This is the second complaint that I have put in for Shellpoint sending my account to escrow. I have no lapse in my insurance and I do not have a escrow account. I will be making my payment when this matter is resolve with NO LATE CHARGES!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified accounts : XXXX XXXX Account number XXXX and XXXX XXXX Account number XXXX. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I applied for a mortgage refinance with Wells Fargo Home mortgage. I currently have a home loan which I have been paying in full for the past 15 years at 5.875 %. 

I applied XX/XX/XXXX for a mortgage refinance. My FICO score is about 800. 

Wells Fargo said they are targeting refinance close XX/XX/XXXX. I submitted extra paperwork as requested and I just called today XX/XX/XXXX and they said my request for refinance was denied. 

The reason was because of my submitted tax returns of last year which showed a loss. Considering the COVID situation, my business did indeed suffer a loss, but I have enough cash reserves to continue to pay my mortgage payments. I continued to pay my mortgage payments with no issue. 

Basically I am responsible and I save my money, so I was able to continue mortgage payments. By refinancing I would save over {$400.00} per month on my payments, so would make my mortgage even more affordable. 

Wells Fargo is quite greedy in they want me to continue to pay higher monthly payments. 

I wish to file a complaint against Wells Fargo. 

Thanks, 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 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
Money was transferred using my Western Union account to an unknown person and unknown location from my XXXX Bank Account in XXXX separate transactions totaling {$1600.00}. I did no authorize or initiate these transactions. I haven't used XXXX XXXX XXXX in the past 1 year at all. A third transaction was also attempted but was rejected by XXXX XXXX. 
I also received an email from Western Union saying that the fraudster picked up the money in person from one of the Western Union locations as well within minutes after the transaction was sent.

One of my family member 's name was used as the receiver for the transfer.

So my Western Union account was logged into without me knowing, money was transferred without my consent ( tried 3 times, successful 2 times ), money was probably received by an imposter at a Western Union location in my family member 's name.

Multiple failures on Western Union 's part for the security of my account and the money transfer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report and noticed that I have accounts on my credit report that doesn't belong to me. I did not benefit from the accounts in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-03-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently pulled a copy of my credit and found an account that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns.

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
it's my right to have accurate items reporting on your credit report and Equifax and XXXX  have not done that in two months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a new XXXX Checking account and submitted >XXXX transfer. 
The account is opened with an active offer that includes {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance >XXXX for more than 60 days in order to earn this bonus. 

This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020, XXXX XXXX  to me Hello, XXXX XXXX, The promotion was successfully attached to your new XXXX account. Thank you again for your patience. 

My apologies for my delayed responses to your emails. Tomorrow I will be out of office, I return Thursday. 

Best Regards, XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX XXXX XXXX, NY 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 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX  - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.

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 2021-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX XXXX partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.

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 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is the fifth time that they've sent me a debt collection letter of which i have had numerous time telling them that i have been a victim of identity theft. 

Radius Global Solutions LLC is representing a creditor named XXXX associated with XXXX XXXX XXXX. I'm unable to call Radius Global Solution due to me being XXXX XXXX with XXXX  XXXX. I have no one to assist me in calling Radius Global Solutions either. This is why I'm contacting CFPB in hopes to clarify that this amount {$3700.00} is not mine to pay because i have been a victim of an identity theft. 

Please inform Radius Global Solutions to clear and to remove this balance off from my credit history as a write-off that i am not responsible for balance owed. Thank you.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
The current balance on my Chase Student freedom credit card is completely incorrect and is way higher than it should be. I counted all my transactions and paid all my statements on time this year with no pending fees or interest, only to find that the current balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: AZ

Complaint narrative:
I sold my home and escrow closed on XX/XX/XXXX. I have a left over balance of {$1900.00} that is due to me. By law, mortgage companies have to refund this within 30 days. On XX/XX/XXXX, I called Arvest Central Mortgage Co to check where my check is and was told it was mailed out to my new home address the first week of XX/XX/XXXX. Obviously I did not receive it. Arvest rep. told me that they would issue a new check and I should receive it within 7-10 business days. 
Today ( XX/XX/XXXX ) I called Arvest again to check where my check is because I still have not received it. I was told by the rep. ( XXXX ) that they mailed it on XX/XX/XXXX. I asked for a new check to be mailed with a tracking number. They did not want to issue one until another 5 business days. They said I need to wait another 5 business days so they can cancel the check that they supposedly issued on XX/XX/XXXX, and then issue me a new one. 
This mortgage company is a fraud! They made excuses not to refund me my money that I overpaid them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified accounts : XXXX XXXX Account number XXXX and XXXX XXXX Account number XXXX. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MD

Complaint narrative:
I am being harass by IQ Data. XXXX XXXX calls and calls and calls. Even after I tell him I will make a payment on a select date. When he calls he keep telling me I have to pay now and told me on a lot of occasions that I need to take out a loan ( which he try to get me company 's for ) so I can pay IQ. He also told me he was going to call other people to let them know I am not paying my bills on time. Even after I paid a payment, he still said that was enough and I needed to pay the full amount now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently pulled a copy of my credit and I found an account with a company that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
The servicer closed the account. The account has been paid in full and it is reporting derogatory information. They are now reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Wage garnishments twice for the same debt Never received documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I recently pulled a copy of my credit and found an account that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland credit company made repeated calls before XXXX and even after XXXX. From XX/XX/XXXX on through XX/XX/XXXX throughout these times. They would call upwards of XXXX times a day. Being very harassing. They did not have and do not have all documentation on this account and could not prove the debt is or does belong to me. I have requested proof of verification of the debt proving it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I recently pulled a copy of my credit and I found an account with a company that I never authorized.

Company response to consumer: Closed with non-monetary relief