vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I XXXX XXXX have been dealing with the multiple issues running my own business during the COVID-19 Pandemic, unfortunately I was dealing with the quick growth of my business starting in fiscal year XXXX. However, as an excellent paying consumer of Santander/Chrysler Capital I respectfully request a full audit of the actual reception date, not necessarily the fund clearance date of the following payment periods : XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing XXXX late, XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing 30 days late, XX/XX/XXXX showing 60-days late, XX/XX/XXXX showing 30 days late. I do not believe that these late payment periods are accurate, and I respectfully request a reset of my prior payment history based upon the hardships from the Covid-19 Pandemic. These requests are purely from professional courtesy, and the audit review could easily be eliminated through a one-time courtesy reset. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: OH

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-12-21 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:
It was simple. I paid last payment for XXXX/XXXX  XXXX  in XXXX, 2020 bringing the account to XXXX  and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XX/XX/XXXXbalance in XXXX. I was never told anything was late or due at any point after that final payment. TRANSUNION and XXXX  both have those months in 202 as late 30 or 60 days late. They have not resolved this.

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 2020-12-21 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: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.

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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/XXXX. 2020 they called me a total of 7 times back to back i have told them before that I would make them payment towards the end of the month and frequent calls throughout the day are not necessary or needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: FL

Complaint narrative:
XX/XX/XXXX signed contract to purchase home lending process begins. Most of my paystubs and paperwork were already submitted to lender from previous house that I decided not to close on. Closing date set for XXXX XXXX lender promises to close in 30 days. Paperwork was submitted XXXX XXXX but it takes 3 days to process closing disclosure. Extension submitted. 
The Week of XXXX XXXX ( 2nd close ) Im asked to resubmit my most current paystubs to finalize loan to underwriting to again not have a loan secured as promised. On XX/XX/XXXXXXXX I get a surprise, we need one last thing, Verification of employment- this prolonged my 2nd closing from XXXX XXXX to XXXX. At this point I threatened to leave lender ( commerce ) b/c the seller of house was no longer wanting to work with me to purchase home from time elapsed. Lender begs for another week- no addendums were signed between Me ( buyer ) and seller b/c they are ready to walk and lender is dropping the ball ... No contact no updates until the week of the XXXX when my lender tells me he has submitted my loan to 3 mortgage companies to play hunger games to see who would complete first. 
On XX/XX/XXXX, I left ( problem ) lender Commerce mortgage for XXXX XXXX XXXX to complete my loan. In 8 days I had signed paperwork and guarantee to close on XX/XX/XXXX the only restraint was that Commerce Mortgages needed to transfer lender ID to XXXX XXXX to take over loan submission. 4 days of calling and emails between ( problematic ) lender and supervisor to transfer loan number over. After the chase I received a email that the loan ID was transferred but takes 48/72 hours to complete as my closing date was the next day XXXX XXXX XXXX. 
Last extension to close XXXX XXXX Today is the XXXX and i was just informed the Loan ID was NOT transferred and I was lied to. 
Im heartbroken- this has been a dream I worked toward for 4 years of my life. I broke a lease and Im been living with my parents since XXXX XXXX b/c I was supposed to close on house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TX

Complaint narrative:
XX/XX/2020 I sent a certified letter to Equifax advising that the information they were reporting on my credit report for XXXX XXXX was inaccurate and was not matching up with XXXX  or XXXX  and that I'm requesting them to remove the account from my credit report due to reporting inaccurate information ... XX/XX/2020 Equifax updated all information that I pointed out as inaccurate on my credit report and my scored dropped 30 pts XXXX because of this. I called Equifax customer service multiple time and was told they were not able to assist me since it was updated and some couldnt even tell me why my score dropped until I pointed it out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I did not receive any sort of communication from Convergent Outsourcing, Inc., regarding an unpaid cell phone bill being sent to collections. I did not know that I owed a balance when I closed a XXXX XXXX account. I received no communication from XXXX  or Convergent. I did not receive any communication asking me to pay the outstanding amount and then I didn't receive communication advising me of my rights regarding the account being handled by a debt collector. Now this is showing as a collection on my credit report. I found out about this debt from review of my credit report!!! I have received no information about how to dispute this debt. I do want to dispute the debt as I do not feel I owe the amount that is supposedly outstanding. But, I was never given an opportunity to resolve or dispute this matter before it was added to my credit report. I have no voicemail, email, or mailed letter letting me know my rights regarding this debt.

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 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
In the middle of XX/XX/2020, I attempted to log into my account with Coinbase. It would not accept my password so I attempted to reset it. I had used my work email to set up the account, and since then, my company rebranded and changed out work email. This created an issue where I was not able to get the auto email sent to resent my password ( even though I had not changed my password and still have it ). I was unable to get ahold of Coinbase for assistance for 2 weeks. I ended up using the phone service to lock my account in an attempt to get someone to contact me. Finally on XX/XX/XXXX they did. They told me that I would need to create a new account, verify it, and then they would tranfer my balance to the new account once verrified. I followed all steps, going back and forth with them via email, to take care of all the tasks they asked of me. Once I had my account setup and verified, I never heard from them again. The last email i got from them was the XXXX of XXXX. I sent them an email on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today the XXXX. I have yet to recieve a response. They were once very responsive but as soon as I had completed the steps they wanted me to take, I have yet to hear back despite my attemps to contact them. All I want is for them to finish what they promised to do and transfer my blanace to my new account so that I have access to what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Submitted 2020 real taxes ( school ) to the mortgage company ( Loancare , LLC ) in XXXX of 2020 to be paid out of escrow account ( fully funded ). 

Received notice from my city school district in XXXX 2020, stating the taxes had not been paid and missed the discount period had they been paid by XXXX ( now {$100.00} more ). I first contacted Loancare , LLC in XXXX after receiving this notice. If the taxes were not paid by XXXX/XXXX/20, I would receive a 10 % penalty on the amount ( now {$500.00} more ). 

I have called Loancare , LLC every week since then to try to get these taxes paid, again out of the escrow account that is full funded. It is now XX/XX/XXXX20 and I still can not get these paid out my account and the city has indicated they will submit this matter to collections if not received by the end of the year. 

Every time I call Loancare , LLC, I am put on hold or passed around to " supervisors '' who tell me someone will call me back. I can only assume they are stealing the interest being earned on my escrow account and have no reason to pay my bills in accordance with the time required. I have called probably close to 20 times to get this matter addressed, each time with it being escalated without any resolution. 

My mortgage is current and I have provided all documentation required to resolve this issue, but they continue to hold my escrow account hostage.

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 2020-12-21 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I am writing to KAY JEWELERS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting KAY JEWELERS agency to remove this ( charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
It was simple. I paid last payment for XXXX XXXX in XXXX, 2020 bringing the account to XXXX and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XXXX balance in XXXX. I was never told anything was late or due at any point after that final payment. XXXX  and EXPERIAN both have those months in 202 as late 30 or 60 days late. They have not resolved this.

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I have lost out on a promised rate. We feel we were offered a rate which was not legitimate which caused us to choose Amerisave over two other companies because of there insistence it was a legitimate rate. When push came to shove and I made our rep say it was legitimate out loud, on an e-mail, we were immediately ghosted. 3 month went by without any progress and only contact when we pushed hard. Now, 1 month after we cut ties with them, they are doing hard pulls on our credit. 

These people cost us at least 3000.00 a year for 15 years by trying to scam us into doing business. And the appraisal fee. 

I intend to take any and all steps to stop this from happening to other people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I spoke to my lender about my hardship, & they asked me to submit necessary documents for them to review so that they can give me options that will help me get back on track with my mortgage payments. I submitted the documents they requested, & they confirmed that they received them, & they are just about to start the review. But when I checked back on them for updates, I was advised that the documents are now missing. Now, I have wasted time waiting on them, only to find out that they have lost the documents that I have sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: USCB, Inc.
State: NV

Complaint narrative:
Called at XXXX XXXX. on Monday XX/XX/2020. Also, claims I owe them over {$10000.00} when in fact, I have no such debt ( other than student loan debt and my car loan, both of which are current ) on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has a disputed amount listed on my credit report as " 60-89 Days Past Due ''. The subject matter of this report is a fraudulent, unauthorized charge which is the basis of an ongoing dispute with XXXX XXXX XXXX. 

On XX/XX/2020 I filed a complaint with Equifax regarding this incorrect item on my credit report, asking that the status be changed from " 60-89 Days Past Due '' to " Disputed '' which is correct, and I believe required by statute in this case. I supplied details of the ongoing complaint and offered to immediately furnish any and all documents relating to it. 

Equifax has not changed the incorrect entry on the credit report. They have not requested the offered documentation. There has been no reponse of any kind to the complaint, and Equifax continues to carry this false charge on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment for {$100.00}, and that amount was deducted from my checking account, and the payment was applied to my credit card account. An additional deduction was made for {$7.00}, and Wells Fargo can't explain to me why it was done nor was this money it applied towards my credit card account. I called Wells Fargo customer service a number of times with no luck of resolution.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime bank let my ex girlfriend send in Fraudulent documents change my mobile phone number to my account and withdraw funds out of my account amount up to {$3500.00} when I asked him to view the video footage atm the investigators told me no & their decision was final. I was XXXX doing the whole time these transactions were taken place I even present a document showing my XXXX  and my claim was still denied

Company response to consumer: Closed with explanation