vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
SLS and XXXX claim to not be affiliated, but both advertise ability to make loan payments on the portal. We have been making payments via XXXX for SLS since XX/XX/2019. SLS acknowledged verbally that they show an entry for a XX/XX/XXXX payment. We were not told until yesterday XX/XX/19 that this whole time they are not affiliated with XXXX. We were never late, and are now showing a 30 day late in XX/XX/2019. I am concerned that XXXX  is not applying funds appropriately to SLS.

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 2019-11-12 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: MI

Complaint narrative:
I am a victim of identity theft and have been disputing fraudulent accounts and inquiries for the last couple of years and current year. I have sent in a police report as well as a federal trade commission report that was asked of me. Just recently I was told that if I sent in the federal trade commission report that the items would be removed and blocked. I did what I was asked to do and yet the information is still yet not being removed as I was told. Every time I contact this company I am getting told different things and getting the runaround so I decide to record the conversations so that I have proof of what I am being told by the representatives. When I told them that I was recording the conversations a couple of times, they got really upset and I got hung up on which was very rude. So when I called by I was told that the information was not good enough and to dispute it again!!!!!!! RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I would like to apply for the Apple credit app, so that I can use my phone to make purchases through the Apple program. However, I understand that this program is handled by Goldman Sachs. Numerous testimonials, including those by a founder of Apple and his spouse, have surfaced demonstrating that the credit granting process being employed discriminates against women who are applying jointly with their spouses using the same income and assets to qualify for the credit. In some cases the amount of credit limit assigned to men is more than 10 times that offered to the joint woman applicant. At a minimum, this has the impact of discriminating in the granting of credit on the basis of the prohibited basis of sex. While there may be no overt discrimination, the algorithms and other analyses being used in the credit granting process clearly are resulting in discrimination in the amount of credit being granted. This appears to blatantly violate the Equal Credit Opportunity Act. What is the CFPB doing to ensure that Goldman 's policies are being scrutinized for this discrimination in the granting of credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: MI

Complaint narrative:
I am a victim of identity theft and have been disputing fraudulent accounts and inquiries for the last couple of years and current year. I have sent in a police report as well as a federal trade commission report that was asked of me. Just recently I was told that if I sent in the federal trade commission report that the items would be removed and blocked. I did what I was asked to do and yet the information is still yet not being removed as I was told. Every time I contact this company I am getting told different things and getting the runaround so I decide to record the conversations so that I have proof of what I am being told by the representatives. When I told them that I was recording the conversations a couple of times, they got really upset and I got hung up on which was very rude. So when I called by I was told that the information was not good enough and to dispute it again!!!!!!! RIDICULOUS

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 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
Chemical Bank sent a check from my escrow account to the wrong Homeowner 's Insurance provider, and my escrow account has not been credited for the mistaken transaction. 

XX/XX/2019 : Chemical Bank issues a payment of {$1500.00} to XXXX XX/XX/2019 : I switch Homeowner 's Insurance providers, from XXXX to XXXX XX/XX/2019 : XXXX issues a refund check for {$1300.00} for the cancelled homeowner 's policy. 
XX/XX/2019 : Chemical Bank issues a payment of {$1600.00} to XXXX ( the old Homeowner 's Insurance provider who no longer services me ) XX/XX/2019 : I deposit the refund check of {$1300.00} into my escrow account. 
XX/XX/2019 : I receive a letter from XXXX stating they have not received payment for my homeowner 's policy from my bank. I call Chemical Bank and the discover the original payment for {$1600.00} was sent to the wrong insurance company, XXXX. The issue a payment to XXXX for {$1600.00}. I am told to contact XXXX to about getting my money back. XXXX have no record of the payment associated to me, stating that the money would've come over in a larger check, associated with many policies, and have no record of anything for my account. I call Chemical Bank back, and they tell me they'll look into it and call me back. They never return my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX   XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ACCOUNTS TO BE AMENDED : XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, 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 non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Attempted to apply for a new apartment but was denied due to outstanding balance with my former apartment. I did not know I owed apartments until I attempted to apply for new apartment. I've lived in other places and it was never brought up. Beginning around XX/XX/19 contacted collection agency to attempt to settle debt of {$1400.00}. Have made several attempts to PAY to settle but have not been able to due to lack of communication between collection agency and former apartment, per the collection agency. My most recent call to collection agency on XX/XX/19, my representative states he has not heard back from former apartment to settle. On that same day, XX/XX/19, I Contacted former apartment, spoke with a representative, states they have not received any correspondence from collection agency regarding my attempt to settle 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 2019-11-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I currently owe {$51000.00} just to SallieMae. That amount is more than I make in a year. I reached out to them because I am currently having issues with my housing situation and need to lower my monthly payment without having an adverse affect on my credit, so I reached out to them for assistance. I was told that to get any assistance I would need to go PAST DUE. I said I was trying to keep from going PAST DUE by letting them know in advance I needed assistance. I pay in total $ 2000+ in loans a month and Sallie Mae makes up about half of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
This company is charging me and have a collection on my credit report when Ive paid the debt and do not owe anything. When I left the apartment I have pictures of the condition it was clean and I also have live videos and the movers as witness. I also have old work orders that were never taking care of which they are trying to charge me for issues that were already going on when I moved in. I will take this company to court and sue because I do not owe any debt at all.. I paid the debt that was owed and I will sue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Called ally finance about gap and warranty protection plan found out I never been enrolled by XXXX XXXX XXXX XXXX. Warranty dept and national warranty said I had to talk to dealer why they never enrolled me. Called XXXX XXXX and 2 other numbers. I got a call from a number that just things and did not leave a message I need my products registered or money back I just need my money back since XXXX XXXX never enrolled 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 2019-11-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage Corporation assumed my Mortgage Loan a year ago. 
Soon afterwards Freedom Mortgage refinanced my Mortgage Loan and then lowered the interest rate with IRRRL. 

Because of the above transactions Freedom Mortgage was given all information about my property from the title company concerning taxes, liens and owners. 

I am a 100 % XXXX Veteran thus my property taxes are exempt by the authority of the State of Pennsylvania. Freedom Mortgage Corporation was made fully aware of this fact during the three transactions that passed. 

Freedom Mortgage Corporation has demanded that I pay an increased Escrow amount every month although my taxes are exempt. Freedom Mortgage Corporation also refuses to document that my taxes are exempt due to being a 100 % percent XXXX Veteran and continues to erroneously evaluate and calculate my monthly mortgage. 

I have contacted Freedom Mortgage Corporation over six times and was referred to a tax department. Their tax department told me that Freedom Mortgage Corporation tried to contact the XXXX County Tax Department but did not get an answer. 

I am asking for the Consumer Protection Financial Protection Bureau to remind Freedom Mortgage Corporation that my property taxes with XXXX XXXX XXXX are exempt and that All Veterans that are 100 % XXXX are entitled to the Tax Exemption Benefit that is Authorized by the State of Pennsylvania and Shall Not be denied or Inhibited by any mortgage company or corporation. In light of this I am asking that Freedom Mortgage Corporation adjust my mortgage to the correct amount. 

I am asking for Freedom Mortgage Corporation to Honor the State of Pennsylvania Tax Exemption for 100 % XXXX Veterans without further delay and to document such status at the very start of the every VA Mortgage Loan and to place such status on file to be reviewed and considered before taking collection action upon any 100 % XXXX Veteran with a Mortgage Loan and to consider the fact that since most 100 % XXXX Veterans have enough to struggle with when dealing with everyday life and they really don't need to worry and struggle with paying extra mortgage that is not due. 

I have provided Freedom Mortgage with a copy of my Exemption Approval along with my parcel ID Number issued by XXXX County PA.

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 2019-11-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I've contacted Equifax about fraudulent inquiries on my report. Edid not remove the inquiries. I have an active fraud alert on my account and disputed fraudulent addresses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/19 received an alert that a possible fraudulent charge of {$85.00} had been made to my checking account. Contacted financial institution to make them aware that I did not use my card at said merchant or give anyone permission to use my account in the amount of {$85.00} and that I had had my card the entire time. 
A dispute was opened by my financial institution for this charge/amount on XX/XX/19. Payment was pending until XX/XX/19 and the bank stated they were unable to do anything while payment is pending. {$85.00} was officially taken out of my account on XX/XX/19. I again contacted my bank concerning not having access to my funds, to which they told me that it would be an additional 4 days until a reimbursement could be made to my account. As of XX/XX/19, no reimbursement has been made to my checking account, preventing me from paying any necessary bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
Problem with my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: NJ

Complaint narrative:
I have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should 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 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, at around XXXX XXXX, I received a phone call from my bank ( SANTANDER ) fraud alert dept., inquiring of possible fraudulent activity on my acct. 
On the same date, there were 2 debit transactions that I denied and explained to my bank that I did not make those purchases.

The bank immediately credited me with a " provisional credit '' for the total amount and informed me of an investigation starting that date, the bank sent me a new debit card.

The 2 transactions were named with different merchants, one is " XXXX XXXX '' and the amount is {$140.00}. 
The second transaction was resolved quickly ( by me, personally contacting the merchant and denning that purchase on my behalf and the money was refunded ). 
On XX/XX/19 I received a new letter from Santander, informing me that the investigation was completed and they determined that the merchant was correct. They withdraw the total amount for this dispute from my checking acct. ( {$140.00} ). 
I immediately called back my bank to file a new complaint and request a copy of their investigation and paperwork, affidavit and all possible paperwork regarding this transaction. 
The bank responded by saying that they will mail me all the paperwork, which they did and about 10 days later, I received an envelope with paperwork from SANTANDER stating my case number, which it didn't have the correct information, apparently the bank sent me information of a claim that belongs to a different customer, that it matches my case number and debit card # but a different checking acct. and a different claim amount. 
After receiving not legitimate documents as proof of their investigation, I tried contacting the bank making several attempts, in person and by calling the Fraud Dept., after 5 times of trying and receiving more mail with the wrong documents I gave up to try to solve this issue with the bank.

I also tried to contact the merchant, for which I had not received any proof of purchase, not an invoice, not a letter, nothing. I was able to locate the company because the bank had shared their information with me.

I made at least 3 attempts to contact the merchant and each time the customer rep. hanged up the phone on me when I asked if they could provide me with a copy of the " proof of purchase '', they denied me any information and said that the purchase was made online and that I should contact my bank. 
I did not make that purchase. I still don't have any answers from the bank but my money was withdrawn from my acct. 


Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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