vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
Please NEVER use this company to finance anything because they are fraudulent in their servicing and not transparent with their processes. Just to provide context, I will share OUR personal story. 
My husband and I fulfilled the PAYOFF on XX/XX/18 in the amount of {$1200.00} over the phone with their customer service agent. We allowed the time they stated it may take for the title to arrive. 
My husband and I on XX/XX/18 began to question the whereabouts of the title. We called again on XX/XX/18. The agent told me that the title would be expedited and should arrive in 10 business days. She stated we had a balance of nearly {$4.00}, which is impossible if you satisfy a PAYOFF AMOUNT.

After waiting for nearly 20 business days we called again on XX/XX/18. They again stated we had a balance of the same approximate {$4.00}, but also saw that the PAYOFF was satisfied. They stated that it would be 3 business days for the escalation. 
I then called today, and and an agent name XXXX ( who refused to provide her extension or a worker ID ) stated " there was not a response and that we just had to allow more time ''. 
Since I am off of work tomorrow, my 1st order of business is contacting the CFPB and the Attorney General for both South Carolina and Missouri, since it was a wire transfer. 
Do not do business with this place because they will take your money AND hold your title.

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 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

DIVERSIFIED CONSULTANT XXXX, This collection is the result of Identity theft. Please Delete Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: VA

Complaint narrative:
I have been driving for XXXX for over four years. Earlier this year, they ordered a background check from Checkr, which reported three accidents on my driving record over the last three from the VA DMV. I have unsuccessfully tried by phone and emails to convince Checkr to relay to XXXX that in VA, accidents appear on a driver 's record regardless of whose fault it is but they do show a disclaimer regarding that, which Checkr does not show in its report. As a result XXXX has deactivated my account. I have also applied with such companies like XXXX and XXXX which have declined my application for the same number of accidents showing on my record I have provided Checkr with police reports and insurance company statements that I did not cause those accidents which they simply ignore. They would say contact the company involved, which would then say to go back to Checkr. Checkr would even show the rejection as coming from say XXXX, when it actually comes from them. Credit bureaus customarily forward consumer feedback re items on their credits to those who requested the investigation. I have attached copies of some communications I have had with Checkr about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: Southern Auto Finance Co
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that SAFCO did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX-XXXX about SAFCO. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had a checking account with Santander for 4 months. It has been a disaster. I have called countless times to gain online access and was never given permission to access my own funds. So I gave up. I sent a letter to them requesting they close the account and mail me a check for the balance. They stalled for a month. Then they told me they won't close the account because they deserve another chance. I just want to close the account and have my funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I was wrongly denied a legal loan modification agreement by Wells Fargo Home Mortgage for my FHA 30 year fixed loan. WF refused to rewrite the terms of my mortgage fairly by offering a FRAUD modification agreement under HAMP Trial Period Plan. I fairly demonstrated my eligibility during a trial period. I am requesting WFHM to provide a fair modification agreement to add the delinquent amount to my principle balance by adding 3 months to the term, keeping the same rate/not increase the rate ; along with removing {$30000.00} off of my principle balance by the XX/XX/XXXX due to their negligence or action will be placed. I will file this HUD and SIGTARP as well. 
As you can see WF offered a Home Affordable Modification Trial Period Plan ( HAMP ) Plan-see documents attached. As this program expired in XX/XX/XXXX. I contacted HUD as their confirmed this info. I informed XXXX with WF of this info 4 weeks ago as he indicated he would research as I havent heard back. Even though WF aware  of my financial struggle in trying to keep up with mortgage payments and lower income ; they never tried to sincerely and fairly assist me in a proper plan. I asked the counselor at the time XXXX XXXX if they could reconsider another program as this plan wouldnt help me WF adding SIX YEARS to my loan for being {$2000.00} short/delinquent or 2 1/2 payments behind. This seems as if its helping WF by XXXX. To XXXX due to the increase in term and rate. How would this help me? It helps WF $ $ $ $ I missed XX/XX/XXXX and XX/XX/XXXX payments due to a layoff. I contacted WF and was assigned to XXXX XXXX. I completed paper work. The fake program was offered. I also request to provide the terms and conditions along with APR, amortization as they refused to provide. The only provided the amortization and I received it AFTER they indicate they would provide before my MOD Agreement expired. I also asked to remove the MIP as they refused to remove and I am still paying on it. See attached. As you can see my payments NEVER DECREASED. My made up a lie and excuses by stating escrow increased. IT Didnt increase, My mortgage insurance and taxes DECRESED! Im exhausted with the unfair treatment and false actions and statements. Please review and let me know if my rights have been violated. Documentation is attached for your review. WF should be a part of a Class Action as WF continues to do whatever they want and I have no rights. WF never sincerely made an attempt to assist me, but bogusly sent fake info to set me up for foreclosure. Not fair.

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 2018-11-08 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: Convergent Resources, Inc.
State: AR

Complaint narrative:
I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

I C SYSTEM INC XXXX This collection is the result of Identity theft. Please Delete Immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 
! 
XXXX XXXX XXXX XXXX This collection is the result of Identity theft. Please Delete Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
I GOT A COLLECTON NOTICE FROM NORTH STAR LOCATION SERVICES LLC BUT I DO NOT OWE THEM MONEY AND I ALREADY TOLD THE MAN ON THE PHONE TO STOP CALLING MY CELL PHONE AND HE KEEPS CALLING, I WILL SUE XXXX, XXXX, XXXX, AND NORTHSTAR AND XXXX XXXX XXXX, I ASK FOR THIS COMPANY TO STOP CALLING I DO NOT OWE THEM ANYTHING,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Started repayment XX/XX/2018. 

XXXX-18 ACH Withdrawl Payment of {$170.00} made. 

XXXX-18 credit via Direct Deposit to my checking account XXXX for {$170.00} Complaint is Navient is returning my monthly payment for no reason and with no explanation. They are not notifying me why they refunded a valid payment without my knowledge. 

Violating my FCRA rights and banking law by doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.

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 2018-11-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.

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 2018-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
Charging me 360 % interest, I can not afford to continue making payments to interest only which is almost half a paycheck. I have a family to support including XXXX children with XXXX XXXX, my wife is unable to work XXXX   the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: DISCOVER BANK
State: GA

Complaint narrative:
I was born in XX/XX/XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: Lending Club Corp
State: CA

Complaint narrative:
I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: GA

Complaint narrative:
I was born in XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2018-11-09 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: GA

Complaint narrative:
My personal information was stolen according to a letter from the Equifax and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: IL

Complaint narrative:
I reached out to transunion to ask that the following inquiries be removed because they were not authorized. I also informed them that I reached out to the creditors as well. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX/XXXX  XX/XX/XXXX 7. XXXX/XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13.XXXX/XXXX  XX/XX/XXXX I would also like for them to move XXXX XXXX XXXX from my collections account. I contacted them I informed them that account is more than 12 years old. They put false information on my credit report. Also XXXX XXXX   account has been closed it doesn't show on my other report because the account was removed. However tranunion continues to place it back on my report.

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 2018-11-09 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: GA

Complaint narrative:
My personal information was stolen according to a letter from the XXXX   and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 non-monetary relief