vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Overnight on Thursday XX/XX/XXXX the Federal TSP electronically transferred Treasury funds to my savings account at Bank of America. The funds hit my account before the start of business on Friday XX/XX/XXXX. 

The Bank refused to make those funds available to me for a total of 80 hours even though the balance in my various accounts at the bank exceeded the amount of the transfer by 300 percent and the source was clearly described.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: TX

Complaint narrative:
Experian is reporting incorrectly a collection of {$670.00} on XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is a {$0.00} balance due. Therefore, there is nothing to collect and nothing to report as a collection. XXXX has removed this line item from my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this 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 non-monetary relief
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: IL

Complaint narrative:
On XX/XX/2019, I had called TransUnion, XXXX, and XXXX  to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have received multiple offers of a limit increase if I spend so much in purchases in a short time frame. These offers have been occurring for a year now. I use the card however have fallen short of the required amount. Not really knowing the exact timeline of the offer expiration I seem to miss the permanent increase. My limit drops THEN I get another offer the following month saying IF I use this amount I get to keep the increase. I feel like it's a yo-yo game and the brief moment in between offers my balance dti is50 % or more affecting my credit. Is this bait and switch ethical?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: AES/PHEAA
State: CO

Complaint narrative:
This complaint is being made against FedLoan Servicing/U.S. Department of Education/Pennsylvania Higher Education Assistance Agency ( hereinafter collectively referred to as " FedLoan '' ). 

I submitted a check to FedLoan in the amount of {$9300.00}, which was cashed on XX/XX/19. Said  check was sent in an envelope with an accompanying note that explicitly stated how the payment was to be allocated between my nine outstanding loans. Specifically, the payment in question was to pay off the balance of three of my nine outstanding loans. These three loans were chosen because they have a substantially higher interest rates than the other six loans. Additionally, I wrote instructions on the physical check stating that payment was to be allocated between " Loans 1, 3 & 5 '' ( please see attached PDF file ).

FedLoan disregarded both the instructions on the physical check as well as the instructions on the physical check and proceeded to allocate my {$9300.00} payment in a random fashion to all nine of my outstanding loans. If this mistake is not remedied, FedLoan has effectively stolen hundreds of dollars from me by negligently applying this payment to my other six loans with far lower interest  rates. 

I contacted FedLoan by email on XX/XX/19 requesting that this issue be remedied but, to date, FedLoan has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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:
I went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX  XXXX I have already contacted FTC and the local police department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
My mortgage was immediately sold to Caliber home loans. Since then they have not once correctly calculated my escrow accounts or had accurate payments. 
Now they can not handle that my county has me on once a year payments and I have been fighting with them for months to update this info and re-run my analysis before my payments jump in XXXX and I just keep getting run around in circles while they perform incorrect calculations ( which they admit ) But say they can do nothing about until " research '' finishes but can't give me a timeline on that as well, even after a fairly useless escalation process. 
I have been working on this with them since XXXX with nothing done other than them continually running " analysis '' that has been incorrect per not only my math and the county website, but their own reps on recorded lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft  has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander USA - Vehicle was repossessed in XX/XX/XXXX. They reported it as a charge off XX/XX/XXXX. Santander has reported Failure to Pay monthly since repossession. When they first repossessed it, they updated the balance to reflect what was owed after they auctioned off my vehicle ( around {$6000.00} ). But since have increased the balance to what was owed on the original loan ( {$11000.00} ). They report a failure to pay monthly, causing my credit to continuously take a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To whom it may concern : I am trying to get a refinance, on my home, I found out from the loan company ( XXXX XXXX ) that my mortgage co.. Chase has not been reporting payments to credit B. We did a loan mod. about 6-7 yrs ago..My wife has been making payments for about 6-7 yrs. XXXX XXXX also said that my dose'nt even have a score..I feel that something is not right. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have 3 - Tuition Answer loans with XXXX. All loans are reported correctly with the other credit reporting agencies, except to TransUnion, only 1 of the 3 loans are reported on my TransUnion credit report. I have contacted TransUnion by phone who insists it is up to XXXX to report the loans. I have contacted XXXX through disputes and phone calls, who insists TransUnion has to change this on my credit report. Both of these loans missing from my credit report have outstanding balances which I make payment on every month. 

My TransUnion Credit report is not reporting 2 of my 3 Navient loans which are in good standing, one of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. 

Please help! 

Thank you, 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 2019-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
My husband and I purchased a new mortgage from XXXX XXXX on XX/XX/2019. The mortgage was transferred to Round Point Servicing Mortgage company in XX/XX/2019. We have made two payments : XX/XX/XXXX and XX/XX/XXXX and are about to make the third payment in XX/XX/XXXX. We have  contacted them several times because they are not reporting the information 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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I TOOK OUT A CREDIT CARD WITH XXXX ABOUT XX/XX/XXXX. I HAD TROUBLE PAYING IT BACK, SO MY ACCOUNT WAS SOLD 3 TIMES TO A DEBT COLLECTOR. THE ACCOUNT ENDED UP WITH MIDLAND FUNDING LLC. MIDLAND FUNDING FILED A CIVIL SUIT AGAINST ME FOR OVER, XXXX. THE CREDIT AMOUNT WAS ONLY XXXX. THE HEARING WAS SCHEDULE FOR XX/XX/XXXX OR XX/XX/XXXX, BUT WAS RESCHEDULED BY MIDLAND AROUND XXXX TIME, XX/XX/XXXX OR XX/XX/XXXX. I SHOWED UP AT THE HEARING, BUT MIDLAND DID NOT. THE DISTRICT JUSTICE JUDGE, XXXX XXXX, PHONE NUMBER, XXXX, RULED AGAINST MIDLAND AND IN FAVOR OF ME, BECAUSE MIDLAND DID NOT SHOW UP. I NOW FIND OUT, THROUGH MY JOB 'S REQUIREMENT TO HAVE A BACKGROUND CHECK FOR CREDIT PURPOSES, THAT MIDLAND HAS TURNED THIS AMOUNT OF MONEY OVER TO THE CREDIT BUREAUS. I CONTACTED MIDLAND A MONTH AGO ABOUT MY CREDIT REPORT. A FEMALE WAS SUPPOSE TO GET BACK TO ME IN FEW DAYS, SHE SAID. WELL, I FOLLOW-UP WITH MIDLAND TODAY, XX/XX/XXXX. I SPOKE TO ANOTHER FEMALE EXPLAINING THE CIVIL SUITE AND I WAS EXONERATED, DUE TO MIDLAND NOT SHOWING UP TO THE HEARING. THE FEMALE JUST KEPT SAYING I OWE THIS DEBT. I ASKED TO SPEAK TO SOMEONE IN THE LEGAL DEPARTMENT, BUT SHE REFUSED TO TRANSFER ME TO THAT DEPARTMENT. I SAID TO THE FEMALE, MIDLAND CAN NOT SUE ME IN COURT AND NOT SHOW UP AND TURN ME OVER THE CREDIT BUREAU. THE FEMALE STILL SAID, I OWE THIS DEBT. MIDLAND FUNDING LLC TELEPHONE NUMBER IS XXXX. I'M ASKING THAT MIDLAND CLOSE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I have contacted EOS CCA about an account I described to them as a fraudulent account. Ive requested for verifiable proof or the debt be removed from my credit report and I stop being contacted. The company responded with a request to fill out an affidavit with a police report in which I have attempted to and was looked at and spoken to as if I were in the wrong and therefore not receiving a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
This compliant is about the servicer SN Servicing, XXXX XXXX XXXX, XXXX CA XXXX and XXXX XXXX XXXX XXXX, XXXX NY XXXX They have transferred our loan several times over past year, and we were never notified that ownership of loan was transferred until we asked several times. 

They never gave us name, address and telephone number of the owner of the loan, until we asked court referee to get them to provide in XX/XX/XXXX, months after they apparently sold. 

On XX/XX/XXXX XXXX XXXX, debt collector filed Notice of Judgement Foreclosure  sale on our home, on behalf of XXXX, but XXXX had apparently sold our mortgage in XX/XX/XXXX, but we were never notified. 

XXXX XXXX XXXX XXXX, XXXX NY XXXX filed motion in court in XX/XX/XXXX, and were granted a judgement foreclosure sale on our home, and they went ahead with sale date for XX/XX/XXXX, despite the fact they did not own the mortgage and had sold the mortgage and transfer rights, but never advised us. 

We had no way of knowing who to contact of the new owners, as we did not know they had sold it, and we were still attempting to contact XXXX to stop the sale of our home, as we thought they were still the owners It caused huge stress for us between XX/XX/XXXX and XX/XX/XXXX, trying to stop sale of our home, and we did our own Order to Show Cause and stopped the sale of our home by XXXX. 

We later found out that XXXX did not even own the mortgage, and had fraudulently filed a Judgement for Forelosure sale in courts, in XX/XX/XXXX, and then they finally transferred the mortgage on court records from XXXX to XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX, a year and half after they apparently actually sold the mortgage again on XX/XX/XXXX to XXXX XXXX., but we were never notified of owner contact details sale etc. they only advised us it has been transferred, when we got a letter on XX/XX/XXXX. 

XXXX tired to sell our home, and filed false papers in court that they owned our mortgage in XX/XX/XXXX, when they had already sold it 6 months prior, but never notified us, and we had not way to contact lender and rectify. 

and new owners XXXX XXXX XXXX run by SN Servicing XXXX XXXX XXXX, XXXX, CA XXXX, have transferred our mortgage twice, and never provided all the supporting details or information that it had been transferred. 

Not once have they ever advised us where the transfers were recorded, or whom we could contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: IL

Complaint narrative:
On XX/XX/2019, I had called XXXX, Equifax, and XXXX to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.

Company response to consumer: Closed with explanation