vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my 15th complaint against XXXX. XXXX got paid for my student loan on XX/XX/2020. Still XXXX is NOT reporting the XX/XX/2020 payment and correct balance information to XXXX, Equifax and XXXX, as of this date of this complaint. I have talked over XXXX students and the essence is this XXXX 's patented pattern of fraud related to " Chronic Payment Misplacement ''. There are lawsuits by CFPB and attorney generals ( AGs ) of many states for XXXX " Chronic Payment Misplacement ''. I have sued XXXX  XXXX, Equifax and XXXX  in the Federal Court in the Central District of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Case No. XXXX on XX/XX/2020 and STILL XXXX, XXXX, Equifax and XXXX  are engaged in same old thing. 

Cc. California Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am XXXX and have a checking and savings account at Wells Fargo and I live in two places because I am trying to get a permanent home and have been on XXXX for 16 years so my income is low. I had around XXXX dollars In savings to get a safe place to live its been 8 years since I have been in a home of my own. I have a XXXX  XXXX so I looked at my bank statement and there had been XXXX withdrawals over a month or so I did not do. I submitted a fraud and cried for a week that was the only hope I had to get a home of my own. They sent me a letter and basically said they had decided I did it or I had someone do this. I was so hurt I called them they treated me like I was lying. I swore to them that I did not do this and the man was rude they wouldnt even decays it. They sent me a letter that said they would send me the information on how they decided I did it in there investigation and I have not heard one thing from them I called back and they said they would turn it over to the next step up. But I have heard nothing. I have never done anything at my bank and then said I didnt. Thats all the money I had for a home, now I a XXXX. Please help me I promise my life on it I didnt do this. I live in a unsafe environment because I am low income and am prayed apon please help me

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Improper use of 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 2020-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XX/XX/XXXX I realized my eppicard had been compromised. I immediately contacted the eppi card center where I sat on hold for over 4 hours to be connected to someone in the fraud department. I filed my complaint and explained the card was in my possession the entire time so my guess was the person made a copy of my card. I also explained my frustration at them not having these cards with the chip because this would have eliminated this type of fraud. I was not even in the state when these transactions occurred. I received my letter back in XXXX stating that they find the charges not to be fraudulent. I called them to ask for a description of their findings, where I sat on hold for another 3 hours to be connected to someone. They told me they were forwarding my complaint to another fraud department and I would be hearing from someone in a few days. A week went by and I heard nothing, I called again and sat on hold for over 3 hours again and was told just to fax everything into them again. Which I did. Still hearing nothing I went and filed a police report, I faxed that into them over a week ago and faxed it again one last time on XX/XX/20. I still have heard nothing from anyone. All of this would have been resolved if they had the chips in these cards. The chips are to protect the consumer. Both the XXXX and the Atm machine are both XXXX compliant and have the chip capabilities. If these cards had the chips the atm would not have worked because it would have known that the card WITH THAT NUMBER had a chip. I have filed the police report and have done everything they have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
Transunion continues to update my investigations without providing me the information that they're using to verify these accounts. I just find it quite strange that they're able to verify but the other bureaus could not and removed the items as stated per the FCRA.

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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I am now in forbearance but my issue is about the balance on my mortgage. I refinanced in 2006 for {$120000.00} and as of today, owe {$110000.00}. I have asked for documentation showing where my payments are going. I have yet to hear from them. I have asked them to explain to me, how after 14 years I have only paid down the balance by {$8700.00}. 
I think I am entitled to know where my money is going. Something is amiss here and boarders on fraudulent dealings. 
My mortgage has been sold twice to different companies, it started with XXXX XXXX. It is now held with SLS Mortgage. 
If you can help me it would be appreciated. 
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 2020-12-09 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: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
Equifax did an investigation online on XX/XX/XXXX and today is XX/XX/XXXX and the representatives are still having trouble logging me in to myequifax.com the reset password link they try to send never works or gets blocked. As of today XX/XX/2020 I have a new case number which is XXXX. Please unlock or unblock my access to view my information online. they changed my email address back to XXXX then I received an email from my other email address from XXXX that it has been changed to XXXX which is wrong email I can share a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Complaint Number XXXX Hi this is a complain with the same mortgage company, and the company above, i sent all the documents required by the mortgage company to get a forbearance plan, in XXXX they told me that I was approved for a forbearance and they give me the 3 payments of {$1500.00} XXXX, XXXX and XXXX, they told me that they will send me a letter for the forbearance, but every-time I call they hang up or take a long time to answer, and hen they answer they told me that they sent the letter and later I call and they told me they dont know if I have a forbearance plan. they been giving me the run around and I dont where my account is, they dont know what kind of deferment or something. I called today and they told me it will take another 14 days to received a forbearance letter, I been hearing the same since XX/XX/2020.

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 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: CT

Complaint narrative:
There was not a accurate selection for me to pick on my complaint. Reason for my complaint is for harassments being aloud by consumer portfolio financial. I have had this company with mine and my sons car loan for a little over a year now. my son was starting off with no credit, I didn't have bad credit, but used up all credit I had. which led us into no choice from what we were told to accept this loan for one year the to refinance. Well what they are really doing to people. Not knowing we were going to go into a pandemic and stress and financial struggle, we have still made all payments on time, or should I say within the 30 day mark at least the past couple months due to some temporary hardship due to the pandemic. well people like us can not refinance after raising credit score because they added to much to our loans> Never marked late payment on credit report> I always make sure. which means I'm not behind. I assume right. 
Well to this date i am only four days behind, ok. this company will call your phone everyday if you are a day past due by one day and everyday on. if you are 2 weeks behind but not 30 days behind they will call all your references everyday there forward. ok well today I received a phone call call from my sons father XXXX XXXX XXXX stating him and his wife both received phone calls separately from a very disrespectful demanding information on my son XXXX XXXX and myself XXXX XXXX. Now here 's the thing. due to very various and personal reasons my son has not spoken to his father in years nor talks to his wife at all. myself only keeps things minimal in the past year but absolutely no contact with wife. Which means there was absolutely none of there names nor contact information written on my contract at all, nor did any of our references had any way to have contact information on them to give due to legal reasons and when I say there is absolutely no way they were giving information on him or his wife through my references> absolutely impossibly ... 

with this said I have asked for a copy of contract today and will be looking into everything and seeing how these financial company 's are bein aloud to get away with extra fees and harassment 's calls and etc. specially on people who are trying to make a start or a new start> that shouldn't be a trap and made for people to fail. the pain and stress people are going through, terrible. 





XX/XX/2020 p.s. as of today XXXX is paid and XXXX bill is 4 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Improper use of 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 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NY

Complaint narrative:
I signed up for the us bank attitude go visa signature credit card because it offered XXXX point which is equal to {$250.00} when you spend {$1000.00} in the first 90 days of opening the card. I spend {$1000.00} in the first month of open the card and only received XXXX point which is XXXX less then they advertised I called customer service and they couldn't help me resolved this issue and this loses my trust with us bank.

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 2020-12-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent letters to Experian, and XXXX  and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.

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 2020-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of 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 2020-12-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, US DEPARTMENT OF EDU add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX/XXXX  add a hard inquiry on my credit reports per XXXX  and XXXX. On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have full documentation including a certified letter from TD Auto Finance that my account was paid in full and closed for a auto loan. I also have a signed title in hand from them. 

I called them multiple times to ensure my auto loan payoff quote was accurate and the money sent was processed accordingly. They ensured me it was. Once the account was paid and closed they called me 30 days later saying they " misapplied '' funds and that I owe them {$12000.00} still. 

I told them I would not send them anymore money as i have all documents showing where money was paid and letter of confirmation from them along with the recorded multiple phone calls to ensure accuracy. 

Unfortunately they were wrong and made their own mistakes that they are responsible for not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The vehicle was repossessed on XXXX XXXX, at that time the loan balance & repo fees was {$16000.00} ( based on my online account ) and was sold at auction on XX/XX/2020 for {$19000.00}. 
The amounts on the " Explanation of Calculation of Surplus or Deficiency '' letter dated XX/XX/2020 stated the aggregate balance as {$17000.00} ( which is incorrect ). I brought this to the attention of numerous customer service representatives until I finally spoke with XXXX in the Executive office of Santander Consumer USA on XX/XX/2020 she agreed the amount was incorrect and she was requesting a check to be issued in the amount of {$350.00} the difference owed to me. I do not understand how a large company can make such accounting mistakes, unless they do it intentionally. As of today I still have not received a check. I called Monday and requested a manager in the Executive Office and was told I would get a call back. Today I received a call from one of the representatives from the Executive Office her name is XXXX stating a manager approved a refund in the amount of {$260.00}??? She said the sale amount was incorrect on the original letter it should have been {$19000.00}. I can not believe they run a company like this, they are so dishonest. I should have received a letter this was the first mention of it. So, I advised her that was not acceptable. Her response was she would speak to a manager and see if they would approve the {$350.00} but she could not guarantee anything. 
I have been calling every other week requesting the initial refund check, then the Warranty refund, they do not like to give you back what is owed you, now, here we are in XXXX and I am still dealing with this situation with no resolution. They are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 I noticed several inaccurate accounts on my report. I reached out to the collector/creditor no luck. I sent another request to Experian to provide me with the docs on how they were able to validate the accounts. tHEY THEN SENT ME A LETTER STATING THAT THEY CAN NOT VERIFY MY IDENTITY OR ILLEGIBLE. I've provided the requested info several times to them and the other bureaus. The other bureau did comply per the FCRA. Iguess my question is how can the same documents/request be sent but Experian could not confirm me?

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 2020-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent letters to XXXX, and transunion and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.

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 2020-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I had a change in income coming into the house and have been struggling just to pay rent and utilities so fell behind on some things and this one particular loan company had told a reference that if I did not contact them today that they would send a warrant for my arrest which is embarrassing and illegal and they should not be discussing my financial problems with someone else or threatening to have someone arrested due to non payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My complaint involves all 3 credit Bureaus but especially XXXX who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!

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