vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My family and I were and have been deeply effected by XXXX as many have. I lost my job immediately in XXXX of XXXX and did get another till just this past XX/XX/XXXX. The lender was helpful in beginning and able to put payments at end. I was in contact multiple times of my situation. Then fell so behind this past XXXX into XXXX. They said no more XXXX help even though many of deeply impacted and still feeling effects. I cant loose my car, or I cant work. I am trying to catch up as I resumed work and prayed and begged for help. I would with everything going on they would help see by payment while XXXX was large a few small that was trying. I had fallen almost XXXX behind because of XXXX out of work. Every other bill from utility to mortgage has been forgiven and worked with us. If they would help with the amount of XXXX I fell behind on and move to end so I could get caught up and back on track now that I am working that would beyond a blessing but instead lets kick us while we are down threaten to take car and now I go to make a regular payment for XXXX only to find out they charge off account. I need my car and I cant just go get another. I am desperately trying and have been in contact countless times about this. XXXX is not made up and many of lost work and regular wages and while for many life resumed to normal it not for all. Everyone circumstances are different every one has struggled and I just think in a time where this deeply effected us and still has an impact and we are trying to come out the other side and survive this they should be willing to help more or make the situation worse and more stressful for those of us trying so hard to come back from something we never planned for and that was complete out of our control. My hope is this will urge then to help more and not charge off my account but work on my balance I fell behind on so that now that I am working I can make my regular payment. Very hard to do so when you cant pay the XXXX in XXXX lump. I just pray they will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CITIBANK, N.A.
State: MD

Complaint narrative:
CITI BANK IS ILLEGALLY RE AGING THE ACCOUNT THAT WAS OPENED IN XX/XX/XXXX AND FIRST DELINQUENCY WAS IN XXXX NOT XXXX AS REPORTED TO STAY LONGER ON MY CREDIT REPORT. 
I HAVE CONTACTED THEM AND THERE IS NO RESPONSE.

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 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We are about to close on our XXXX  parent 's house. We were informed that there was not a Lien Release with the County Clerks office. They had a Deed of Trust with XXXX XXXXXXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX merged with Citibank on or around XX/XX/XXXX. I have emailed XXXX several times on XX/XX/XXXX, with same same response each time asking me for all of the information they listed. I did. I received the same email back. I emailed it all again. I received that email back again. The title company we are working with also emailed XX/XX/XXXX, with no response. I finally received a different response on XX/XX/XXXX that there is no record of a borrower with that name or address. 

I called the XXXX  on XX/XX/XXXX and was advised that Citibank, in fact, should have documentation from XXXX XXXX XXXX. The representative also advised that I should resend another request with the XXXX  BankFind results. I have done that and waiting a response. We are suppose to close XX/XX/XXXX. 

It was also suggested by XXXX that I make a complaint with 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 2021-11-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am the consumer submitting this complaint on my own behalf expressed on XX/XX/XXXX ; I contacted XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED on XX/XX/XXXX exercising my right of rescission pursuant to 12 CFR Part 1026.23. I was never given full disclosure of my right to rescind consumer credit transaction expressed on XX/XX/XXXX, this is not in compliance with 12 CFR 1026.23 ( b ) ( 1 ). XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are in receipt of this notice and are also in receipt of proof of service of this notice, view all attached documents. 

Since receiving notice of my right to rescind the above noted consumer credit transaction XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are attempting to transfer account to XXXX. I do not consent, nor do I offer to contract with XXXX. I have exercised my right of rescission pursuant to 12 CFR Part 1026.23.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX, XXXX XXXX, 2021, I closed on a refinance with a local XXXX union. My original mortgage was owned and serviced by Suntrust Bank ( or now known as Truist Bank ). I decided to move from Truist Bank to the local credit union due to the credit union having better rates and service. This credit union disbursed and paid out the rest of my loan balance with Truist Bank  on XXXX XXXX XXXX, 2021. 

Prior to the closing and refinance on XX/XX/XXXX, I called Suntrust to inquire about how an escrow balance refund was handled. My escrow contained roughly {$XXXX} at the time. The Suntrust officer reassured me ( via phone ) that the escrow balance would be refunded in full within XXXX days of the closing date- with the amount being mailed as a check to my home address on file. 

I called Suntrust  again on XX/XX/2021 to notify them that I had still not received my check in the mail, and to request a re-issuing of the check. The agent on the phone told me that the previous agent was incorrect with the supplied dates, and that I would need to wait until at least XX/XX/XXXX before the bank would attempt to re-issue a check. I also suggested to the agent that they could cancel the check that was supposedly sent, and instead, I could come into a branch with ID to physically pick up a check equal to my escrow account balance total. That was denied. I also asked if the check sent had any tracking information on it, so that I could at least know when to expect it ( or report it lost in transit, whenever necessary ), and that was also denied. 

At this point, it has been over a XXXX since my refinancing and closing date with another institution. I no longer have an account with Suntrust / Truist Bank, and can no longer use my previous accounts with Truist, as they remove access once the loan amount is paid off. I don't have access to the money that was in my escrow account at Truist, I am denied any requests to re-issuing a check, and whenever I call the Truist help-line, none of the agents are able to tell me where the money is or how I can get it. They just tell me that I need to wait until an ever-changing amount of time has passed before they restart the process over again.

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 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I banked with simple.com which was purchased by PNC Bank. I tried to close the account but was not able to close it to due to long wait times. The account transferred from Simple to PNB Bank with an account balance of {$0.00} On XXXX XX/XX/2021, I received a collection notice for {$32.00} for monthly fees that Simple didn't charge. I tried calling the number on the letter which said the system did recognize the number and disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I called the XXXX today with the citation nbr as # XXXX and asked them to set up an auto payment to take my money out every XXXX automatically. The XXXX did charge me for the ticket that was old, so old... for about {$XXXX} or {$XXXX}. Dont quite remmy the exact but it was way low. I asked them to send to arrange an XXXX XXXX XXXX  interpreter but they never did arrange XXXX. I called before the XXXX date and learned they did not get an interpreter. I told them to reschedule again and get an interpreter. They did not and instead ... they added more amount to the ticket. It is now {$XXXX}. After I left XXXX in XXXX. I moved out of XXXX to XXXX then XXXX then XXXX because of jobs. I ALSO was XXXX for a while in the past... had no money to pay. Now I earn {$XXXX} per XXXX but I have all other bills to pay like truck note, space rental, etc. So can not pay full amount. I asked them to set up an auto pay and take my {$XXXX}. They office staff wont accept it and will keep the warrant. I already OFFERED THEM the auto pay to take my $!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Choose according to account type. These can be combined. My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
this message is for Transunion and XXXX concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX was calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information

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 2021-11-23 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$250.00} IN COLLECTION ON REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PAID Both of these should immediately be taken off my credit report as this loan was paid, the school XXXX  forgot to add this to my XXXX XXXX, and finally called me after many years for {$250.00} in which I paid and they stated it was NOT a hit on credit report. Please remove. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Account Closed {$2400.00}. Way over XXXX years on report, should be removed. It is now XXXX this is past XXXX years this should be removed off credit 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 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank continues to let charges go through for a merchant that has already been blocked on a previous dispute. They made me close my account due to the original complaint and sent out a new card. The same merchant was then allowed to charge my new account for some reason. I had to close the account again, and get a new card again. On XX/XX/18 the same merchant was allowed to charge my account again! This is the third card this merchant is allowed to continue charging on my account and Citi continue to provide them with my information. How is this legal for a credit card company to give my new information to a merchant without my consent. Calling Citi card for any assistance is nightmare. It takes multiple transfers from rep to rep because the people answering phones refuse to listen or do any critical thinking, and instead follow a flow chart and script. Today I spent XXXX minutes on the phone only to get nowhere because of the same problem that the representatives don't listen.

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 2021-11-23 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: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and Nelnet continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: MD

Complaint narrative:
My company is transferring our service delivery to another company, and within this transfer I had to undergo another background check. This was the first time I have had the opportunity to review this information, and I have found incorrect information on my report related to an address of residence to include XXXX, Texas. This also appears on my credit reports and I have received phone calls from car insurance companies, as well as regarding medical bills for this address as well. It was shared with me by XXXX of these calls that this individual turns out to have the same name and birth date, however does show a different social security number. Somehow this person 's information continuously ends up on my credit and employment reports which is inaccurate and have been reported to the credit bureau in the past without resolution. Please research and help me resolve this issue for my consumer reports, credit checks and assure this is not potentially fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX

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 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in Forbearance with my lender My Mortgage was sold in to another lender they didnt continue with my forbearance agreement and decided I had to pay all the payments in forbearance And places me in Foreclosure. 
I hired a company to defend me and the mortgage company sent me a re financial proposal at 5.5 % 25 years would with many predatory clauses. 
Im including the document I would like to refinance my mortgage with with reasonable terms. 
Thank you for helping me in this situation

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
this message is for XXXX and Equifax concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX XXXX calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information

Company response to consumer: Closed with explanation