vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have a mortgage serviced by US Bank. The mortgage servicing includes escrow services. On XXXX I sent the my city tax bill for {$1000.00} which was due on XX/XX/XXXX. On XXXX I mailed them my county tax bill for {$6100.00}, due XX/XX/XXXX. On XX/XX/XXXX I received a delinquency notice from the city that my {$1000.00} bill had not been paid and they were assessing {$100.00} in penalty. I called US Bank that day and was told that they would research my case and give me an answer no later that XX/XX/XXXX. They told me on that phone call that payments had been made on XX/XX/XXXX for {$750.00} and XX/XX/XXXX for {$4200.00}. Both not the amount of my tax bills, likely bills for another property. 

The XX/XX/XXXX date for response has not been met and both bills are unpaid. I have penalties imposed and I worry about where the {$750.00} and the {$4200.00} were applied. I am 62 years of age, a CPA and have never paid a bill late in my life.

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 2022-11-29 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: FL

Complaint narrative:
I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the XXXX XXXX breach, so please remove them already.

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 2022-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
Like many others my husband and I were given the run around by carrington  during the pandemic. We got behind on our mortgage and did the forebearance. I was told that at the end of the forebearance we would just have our past due balance put on the back side of the loan with no late payment upfront, no extra fees, no late fees, no lawyer fees, no negatives on our credit reports, and no need for refinance. They told us they were here to help us get through it. 
We were almost a year out before we were able to make payments again. Then we go to make a payment to find that they wont allow us to pick up where we left off. We were locked out of our online account, unable to get information, received foreclosure notices. The. We finally got them to talk to us and they let us apply for a refinance. They allowed it to go through, but now we owe more than we did originally. Weve had the loan for over 12 years now started off around XXXX and now we owe over XXXX. Then they tacked on over XXXX in fees we arent able to pay after saying they wouldnt add fees. Sure they lowered our interest rate by around XXXX XXXX but we still owe more than our original buying price. Our loan has been sold multiple times before landing with carrington, which means our information has been sold as well and now we are going to have to pay everything weve already paid off again all because we were lied to. My husbands credit was drug through the mud because of this even though they said it wouldnt be affected at all. Ive called multiple times and been told by a few that it would drop off after 2 months of consistent payments. Well weve paid for 6 months straight now and its still showing bad marks against his credit. We tried to refinance our truck loan to lower our payment and cant even do that because our bank wont help us until we are showing 1 year good with payments with them or until they drop the negative marks on his credit. We are still recovering from the damage the pandemic did on our finances. Carrington is doing something illegal to everyone who needed help during this pandemic and giving false information and put us and many other in a bad spot because of it. They either need to dissolve our loan and take ownership of the property without any legal recourse or more credit recourse or they need to honor what we were told when we took the forebearance plan. We are struggling even more because of this company and they refuse to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
While traveling in XXXX NY, my fiance and I, co-owner of our XXXX XXXX XXXX, our vehicle stalled out at an intersection. It appears the gas gas gage was malfunctioning showing we had gas but the vehicle ran out of gas. We put on hazard and walked to gas station for purchasing gas. Upon returning the vehicle was gone. For 3-4 weeks we called XXXX, XXXX, and XXXX XXXX XXXX and was informed the XXXX did not tow/ have the car. Per XXXX rules, in such instance, the vehicle should have been moved within a 10 Block radius. All searches proved fruitless for the vehicle. We called XXXX again and was directed to return to the intersection of the stall and call XXXX, for purpose of reporting the vehicle as stolen. 
ThXXXX XXXX XXXX showed up. Prior to this, we visited thXXXX XXXX XXXX  and was informed by officer on duty that they did not have possession of our vehicle. However, when the officials showed up for the stolen vehicle report, we were informed that our vehicle had indeed been towed to the police station, XXXX XXXX 
The officers on the scene called the XXXX to confirm that the vehicle was still there, At this time, they then informed us the vehicle had been towed from the XXXX and provided us with an address and phone number for the alleged towing company. 
We proceeded straight there. Upon arrival, there was no tow truck company at the address provided by the XXXX. 
We called the phone number provided, a representative of the towing company informed us that they were no longer at the location provided by the XXXX and that for some reason the XXXX did not have updated information. 
We notified the representative that we were really, willing and able to pick up the vehicle. 
He stated that we could not do so, not until after the XXXX XXXX XXXX as he was away on vacation. 
After the XXXX we contacted the towing company again, by phone, he provided us a false address for picking up the vehicle. 
Through die diligence we were able to find the location. Upon arrival, the towing company attempted to charge us a fee for the days that he was on vacation. We refused to pay these exorbitant, jacket up fees, as it wasn't our fault they were on vacation. 
A couple days later, we returned to pay the fees but the towing company refused to accept our debit card, stating that they would only accept cash. 
This all seemed fishy, we declined. All contact with the XXXX to resolve the situation proved fruitless. 
We contacted the Internal Affairs Department of the XXXX, Complaint NumberXXXX., Because we had not seen, nor have possession of our vehicle for about 9 months. 
We did not make payments during the time we were being denied information and access to our vehicle. 
On XX/XX/XXXX, the vehicle was repossessed by Santander Bank, and we were informed they would be selling the vehicle and we would be responsible for remaining balance..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: IN

Complaint narrative:
We signed up for solar panels through XXXX XXXX XXXX XXXX The loan company was Sunlight Financial and then XXXX XXXX took over the loan. We were told we would get a {$5600.00} rebate 4-6weeks afylter installment and we would also get 26 % tax credit on our taxes to pay towards the loan or it will go up. And the panels would produce enough electric were it would cut down our electric bill or eliminate it all together. We didn't not get any cancelation paper letting us know we can cancel. They copied my husband 's signature onto XXXX XXXX paper work without our knowledge or even letting us read the documents. They caused my bank account to overdraft. I switched the due date, which XXXX XXXX agreed, but they took the payment out before the due date. No we are stuflck with our full electric bill and a loan that will go up soon. I have 3 kids and can't afford to pay both these bills and provide for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  THIS ACCOUNT IS PAID IN FULL AND ON TIME.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I used to have a FICO Score XXXX with Experian of around 800 not long ago ..... 
My XXXX XXXX Score XXXX is close to 800 and my XXXX XXXX Score XXXX is also close to 800 all taken from the Experian website...... I've tried to resolve this issue with Experian and they told me to contact my XXXX  XXXX XXXX  because they are not receiving info from them ... ..I contacted XXXX  XXXX and they told me they send my info to Experian on or around the XXXX of every month ... ..I 've given Experian other bank accounts and cards and still get nothing reported... ..With many hours of research I finally realized that it was Experian preventing me from obtaining and being denied to purchase anything on credit ... ..I then went and checked other consumer complaints only to see that there are over 2000 other complaints that are having the same or similar problems .....

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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notice from American Coradius International, LLC informing me of a debt collection attempt on a non-existent XXXX credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with XXXX. On XX/XX/XXXX, I received another collection notice from the same company for a different XXXX account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with XXXX and that this is fraud. I also verified with XXXX that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different XXXX account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate XXXX accounts, which they are not according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. My wife test drove this vehicle and was t-boned during the test drive, to which the car was total lost with the other driver being at fault. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FL

Complaint narrative:
I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the XXXX XXXX breach, so please remove them already.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This Complaint is against Citibank regarding my Costco credit card account that Citibank closed. Citibank issued me a letter informing me they are not reissuing my card due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action has also recently been taken against me regarding my Citibank Diamond Preferred card I have had since 1990. I also filed a Complaint regarding that action and account. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. I have never been late or missed a payment on my credit cards- the longest of which is 32 years. I also have no history of bankruptcy. Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a XXXX XXXX check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. Citibank 's actions are unreasonable and place my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX and with a history of on-time payments and loyalty.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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