vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX , Santander Consumer USA and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX World Omni Financial XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I called to TD bank regarding my business account ( XXXX XXXX XXXX  ) and ask to put stop payment on transaction I said name of the debtor and exact amount ( {$4700.00} ). Representative from a bank told me ok and its a stop payment fee I agreed. Same day I saw stop payment on my business account which is ok On XX/XX/XXXX I saw in my business account that transaction which i put a stop payment is pending and bank paying this I immediately contact assistant branch manager came to the bank and she start working on my account to fix that. She spoke with supervisor small business support and supervisor form ACH department everybody told her that transaction will go back and they will stop this transaction. Next day XX/XX/2016 transaction still there. This transaction was very big amount of money and my account balance was not enough to cover that transaction I was mentioned that to bank representative before I even put a stop payment. But they honored that transaction even i have an insufficient funds to cover that .Monday we contact TD bank again and they told us ( me and a assistant branch manager ) the can not do nothing.I just open a dispute but they told me its probably useless???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I got a loan with this atlas credit in XXXX XXXX Texas I was paying on time all the time I was helping my parents out and have been having a hard time since I tried talking with the company the manager starts going off on me and talking down to me and so hung up called the DM even she was apologizing and told me pay what I could so I did but the harassment has been none stop my references have asked for them to stop calling them and they tell them they have the right to call as much as they want when they want too. My husband has asked them to stop coming to our house the woman said they can whenever they want and they call my work my boss has asked them to stop they will not stop at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already disputed that these accounts are a result of Identity Theft, Please Remove ...

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 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already disputed that these accounts are a result of Identity Theft, Please Remove ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already disputed that these accounts are a result of Identity Theft, Please Remove ...

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 2019-11-21 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: GA

Complaint narrative:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XX/XX/XXXX Date:XX/XX/2019Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX   XXXX Date:XX/XX/2019Company : XXXX XXXX XXXX XXXX   Date:XXXX Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XXXX XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXX XXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}

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 2019-11-21 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: GA

Complaint narrative:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XXXX : Company:XXXX XXXX XXXX Date:XX/XX/2019Company : XX/XX/XXXX Date:XX/XX/2019Company :XX/XX/ XXXX Date:XX/XX/2019 Company : XXXX XXXX XXXX XXXX   Date:XX/XX/2019 Company : XX/XX/XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019Company : XX/XX/XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX XXXX Date : XX/XX/2019 Company XXXX XX/XX/XXXXXXXX Date : XXXX Company XXXX XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date:XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} Account:XXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}

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 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Attempted to request information on debt they claim I owe from the collection agency working for Synchrony Bank. Nothing received that validates debt! Synchrony Bank has now motioned a law suit against 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 2019-11-21 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: Lending Club Corp
State: SC

Complaint narrative:
I have been striving to resolve a matter with Lending Club for weeks! Lending Club does not respond to previously filed CFPB complaints ; Lending Club does not respond to emails ; Lending Club calls me during business hours when I can not answer and hangs up without leaving a message upwards of 6 times per day. I finally answered today and they claimed to be trying to collect a payment I have already made. I want this matter resolved. Lending Club has proven that the customer does not matter. Lending Club changes what it tells the customer to benefit Lending Club and to hurt the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I previously submitted a dispute for Santander on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-11-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingUSA
State: CA

Complaint narrative:
On XX/XX/2016, someone fraudulently leased a puppy from a company called XXXX, which did financing through Lending USA. XXXX  is no longer in business, but Lending USA still owns the debt owed for this dog lease. Lending USA has sent the balance of the unpaid loan to multiple collections agencies ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ), and each time I dispute this account because I did not open it. Each time, the collections agency closes the account and sends it back to Lending USA, who sends it to a new collections agency. I have filed a police report, an FTC affidavit, and two CFPB complaints ( one against XXXX, one against XXXX XXXX XXXX ) regarding this issue. The account was opened by someone using the name XXXX XXXX, which is not my last name, and had monthly payments set up with a bank account with XXXX XXXX XXXX XXXX that I have no association with. They also used an address I am not familiar with. I have tried to dispute this account directly with Lending USA, as recently as last week, but they tell me they don't have any documents on file regarding my dispute and when I sent in all supporting documents again, they respond by telling me to deal with the collections agency. I have already contacted the most recent collections agency ( XXXX XXXX ), over a month ago, and they told me they would close the account and send it back to Lending USA. This is a never ending cycle, and Lending USA continues to send this debt out to different collections agencies instead of dealing with my fraud claim and closing this account. I do not owe this amount to Lending USA, I have years of documents supporting my claim, and I am not sure what needs to happen to clear my name from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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 have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

Experian XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TOWNE MORTGAGE COMPANY
State: WI

Complaint narrative:
We were wrongfully foreclosed on. We have tried multiple avenues to save our home, and have tried communicating with the lender ( Towne Mortgage ) to try and save our home. Everytime we tried we received a short response that they will not assist us by their attorney. We did not get a fair loss mitigation review to help save our home. We have received an audit of our mortgage and there are numerous mishaps that occurred with the mortgage company. We are filing a lawsuit for wrongful foreclosure and the hardship it has caused us. We ask that they cease and desist the sale of our home until the wrongful foreclosure lawsuit is completed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: CA

Complaint narrative:
I work for XXXX XXXX  as a XXXX XXXX  for school children. I setup direct payment into my debit card account with Netspend. 

My last deposit was flagged by Netspend because it was booked as a refund they have placed a hold on my whole account. 

I can not access anything. I was told specifically I can not close my account, I can not access the funds not in question. 

Customer service hung up on me after an hour on the phone when I pushed to close my account

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
For the past 2 months, calls all time of the day on house and my cell phone. They will not work with me on the day that I can pay something on my account. They want to know who's paying my bills since I can't pay them. Over 10 calls a day on house and 10 calls a day on cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX  aren't including a clear disclosure of wire fees and foreign currency exchange fees to consumers. I realized that wire payments from XXXX in XXXX being converted by Bank of America were showing consistently lower conversion rates than the daily average rates for 60+ days prior to conversions being made. After fighting to get through to submitting a complaint with the Foreign Exchange department, I finally spoke with someone who explained that it's common practice and that " it's in the disclosure, but ... no one reads that ''. Not only am I being charged {$16.00} per wire which I was aware of, Bank of America is skimming 3 % of my wire total as a fee that I had no idea of. 

The banks are required to verbally disclose a number of things prior to opening accounts for consumers. Shouldn't this be included?! It's a deceptive practice that appears to be standard within the industry.

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 monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A check for {$1000.00}, made out to my landlady, was mailed by Citibank via e-check / bill pay to her bank, XXXX XXXX XXXX XXXX XXXX. The check was cashed at a XXXX XXXX branch by someone who faked her signature. My landlady does not have a current XXXX XXXX account. 

My landlady and I went to XXXX XXXX XXXX XXXX XXXX together, and got a letter stating that the check had never arrived at their office. That letter is attached. 

I believe Citibank is culpable. How could the thief have gotten hold of the check without their complicity or negligence? 

Citibank 's handling of this matter has been awful. I have called several times, and never gotten past the call center. I have gone into the local Citibank branch and watched while bank personnel have called, without getting past the call center. 

Thank you for your assistance.

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