vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX purchased our XXXX mortgage loan last XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on XXXX 's reputation. ( maybe we have someone not paying attention? ) Last XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by XXXX. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is XXXX looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked XXXX several people ) to review my policy ( XXXX page ) ; almost all XXXX insurance experts XXXX had no access to it ; XXXX a couple did XXXX when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
In XX/XX/2016 my daughter and I purchased a XXXX XXXX XXXX XXXX from a dealer in Nevada. WE were never allowed to test drive the unit but were told that what we wanted was there. Had to have rear air, I am XXXX now and XXXX when we left with the car I ended up in the XXXX that night so nothing was checked. They had the other car the keys were turned over to them. We did not find out until we had to go to XXXX that there was no rear air in the car. It was so hot and we had our service dogs in the back. It was so hard on them to the extent we almost lost XXXX of them and then the car broke down half way there. I had my daughter put on it on XXXX and the car was replaced with what we were told was there. We signed papers once again that everything was ok. Then we ended up a third time having to sign papers once more. All this time they had our old car in there possession. Then 3 month later we find out it was not a trade it was a repo. We have never had a repo on our records ever. We have once again put them on XXXX. The managers states if we go back to Nevada he will get us a car but I am very afraid of this man and what they have done. I can't go back so we tried to get a XXXX that will help my daughter get the my scooter in the car and also have the service dogs with us safe. The way it is now it is an Issue. She is XXXX and cares for me did not put me in a home she is always there. Because of all of this we lived in the car for 8 months sleeping sitting up. ended up in the hospital and she slept in the cold outside of my hospital bed room. The XXXX we need is very important to our survival. Plus they should not be allowed to cheat the elderly like they did us now it is hot and really uncomfortable I will post this any place I can. We are good people and do not deserve this. I have sold or given away everything I have my moms chair and my bed that I have had since I was XXXX XXXX XXXX. Throwing more and more out just trying to get the XXXX that will help us survive. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX filed a judgement in XX/XX/2011. This judgement should no longer be shown on my credit report. It is only left seen on Experian.

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 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I logged onto the website to payoff my credit card balance in full. Using the options on the site I selected the radio button that reflected my total balance due. I paid {$8500.00} on that day to pay my balance in full. A few days later I received a statement and disregarded it because I paid off my balance. 30 days went by and I received another statement. This time I opened the statement and I was shocked to find that Citibank charged me {$130.00} in interest on XX/XX/XXXX ( approximately 6 days after I paid off my loan ), {$35.00} in late fees on XX/XX/XXXX, and another {$2.00} in interest also on XX/XX/XXXX. I called and spoke with a representative who told me there is nothing he can do about it. I asked to speak with his supervisor who promptly got on the phone and told me after speaking with Citibank directly, there is nothing he can do and all the charges are valid and I must pay. He refused to even waive the late fee. I asked him how is it possible for me to be charged interest after 6 days after I paid off the loan even when I used the options to pay the balance in full on the website and he could not give me an answer. I asked for this matter to be escalated to his manager. He took my information and stated his manager would call back within 24-48 hours, which did not happen. I would like for these interest and fees to be removed from my account so it reflects a XXXX   balance as I paid this in full on XX/XX/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 explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
We have not had XXXX since XX/XX/XXXX, they are saying we opened account with XXXX on XX/XX/XXXX for the amount of {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PERSIAN ACCEPTANCE CORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found multiple inaccuracies on the way it's reporting into the major credit bureaus. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage is reporting a late payment on my credit reports. I have never paid late. When I ask Wells Fargo to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however Wells Fargo will not remove the payment history on Wells Fargo Home Mortgage account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from Wells Fargo Home Mortgage and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.

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 2018-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to open an account at XXXX XXXX and was turned down because they said " During the processing of your application for credit, we encountered the following missing, invalid or unverifiable information : Unable to verify identity information '' I was in the store and gave the clerk my CA drivers license. She verified this with the credit department. 
My XXXX credit score, as well as XXXX  and XXXX XXXX, is XXXX. 
XXXXXXXX XXXX reference number is 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 explanation
Consumer complaint received 2018-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have filed dispute for the partial charge with my Citi credit card. 

When I filed dispute with Citicard I offered supporting documentation but Citibank rep refused to take it and advised me that Citi would notify me if needed : I believe Citi does that on purpose to easily deny consumers disputes. 

Citi is violating user agreement as they pledge to help consumers to fight fraud : Citi Executive rep XXXX XXXX response from XX/XX/2018 applied facts improperly and demonstrated that Citi is unwilling to detect and fight fraud : 1. XXXX XXXX is incompetent as she is only taking into consideration merchant 's false response : " TV 's were inspected, nothing was returned. '' XXXX XXXX did not bother herself with reading and investigating my complaint : Facts : 2. One TV was left behind and merchant confirmed that fact in writing to Citibank 3. On XX/XX/XXXX when merchant state I picked the remaining TV I was in State of WI, see attached proof : my credit card statements 4. Pick up signature on merchant 's receipt is not my signature, see my signature attached 5. XXXX toll info record I left State of Fl on, she simply cited merchants false response while I am stating that I was not in FL on XX/XX/XXXX to pick up 1 TV merchant stated that I picked up TV on XX/XX/XXXX, while I was in WI, see my credit card statement also my signature is forged. 

Citibank ignoring the fact that I left behind 1 item. 

Citibank must investigate fraudulent activities and comply with the user agreement.

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 2018-07-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a credit report from Experian regarding a previous complaint on XX/XX/XXXX, Dispute Results Report # XXXX. It says to assist you in understanding summary, we have provided additional information that relates directly to items on your personal credit report. PLEASE REFER TO YOUR CREDIT REPORT FOR UPDATE. THERE WAS NO UPDATE. They don't explain what they call a FICO Score 8 as to why it dropped 62 points. They quote to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited time amount of your information regarding dispute. This dispute was made on XX/XX/XXXX, and dispute done on XX/XX/XXXX. That is not what they said in the reponse to my CFPB Complaint. On my credit report they are allowing XXXX XXXX under Status Foreclosed. This account is scheduled to continue on record until XX/XX/XXXX. They are allowing XXXX XXXX 's statement remain on my report that this account is to continue XX/XX/XXXX when it doesn't match their payment history. This item was was updated of your dispute in XX/XX/XXXX, again no update. As a consumer on a foreclosed property the date starts as of the the first deliquency date and stays on your credit report for 7 years. My first deliquency date was XX/XX/XXXX which shows on XXXX and XXXX and should be removed on XX/XX/XXXX. You as a credit reporting agency that see 's my credit report that XXXX XXXX will remove the foreclosure in XX/XX/XXXX, which is not true. I am tired of fighting with Experian and their dropping my credit score by 62 points. Their customer service reps don't know what their talking about and they are rude compared to the other bureaus. You as a credit bureau reporting agency are the worst for customer service. I may have difficulty speaking with XXXX   and XXXX but they are polite. I have my foreclosure coming off of Experian XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. So XXXX XXXX reports the wrong information and the credit bureaus are letting them report the wrong information. Again I never made a payment in XX/XX/XXXX and I want the payment of XX/XX/XXXX removed. I want you to see what they were reporting to XXXX which XXXX XXXX f/n/a XXXX XXXX XXXX changed when they took over in XXXX. Now see the company I am fighting to make them get my credit reports right to all credit bureaus!

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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
In XX/XX/2016, I had 2 credit cards opened up fraudulently in my name by my step father, he maxed out the cards within a day of receiving them and never made not 1 payment. One of them I was able to contact the bank and get it removed from my credit report, but the one with XXXX XXXXXXXX XXXX has been honestly crazy. I have called them numerous times and they still will not remove it although they did an investigation on their end and found it to be fraudelent. They have now sent it to collections and now I have a derogatory mark on my credit and I am not able to get approved for anything, I'm only XXXX now and it's hard to be XXXX over right out of the gate with Credit and i feel as though I will never prosper in life with this on my credit history for a credit card I never applied for nor asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.

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 2018-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complaint is in reference to previous complaint # XXXX. 

We received a response from Bank of America. We are challenging the information in that response. Their response came from XXXX XXXX with the firm XXXX XXXX XXXX. The letter does not state what happened in the beginning. We ONLY sued B of A because they told us in XXXX that the only way to get our name off of the mortgage was to sue them. We have copies of the emails between our attorney & Bank of America that clearly state they were not going to honor our previous agreement. A " Cash for Keys '' settlement was done in XXXX of XXXX. It was our understanding that a Cash for Keys was the same as a deed in lieu of foreclosure. We were told by our attorney that B of A would take over the home 2 weeks after the settlement was done. Bank of America never took title. Bank of America has been paying taxes on the home since XXXX. Why do they do that if they say we own the property. As far as we know, there are no tax liens on the home. 
I ( XXXX ) have been in contact with XXXX XXXX. He has said that a Cash for Keys is not the same as a deed in lieu of foreclosure. We find that very odd because we have many friends who went through the procedure and the bank took title to the homes. He proceeded to say we needed to call XXXX XXXX XXXX XXXX because he only deals with California, not Nevada. Why, then, was he the one who responded to our first complaint. Once again, we are getting the run around from the bank. 
We have contacted XXXX XXXX with the XXXX XXXX XXXX in Nevada per your suggestion on XX/XX/XXXX. He is trying to arrange mediation with Bank of America.

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 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was having financial difficulty with my mortgage and fell behind with 4 monthly payment.and apply for a mortgage modification.and was successfully approve with a new loan.and with no avail did not receive no truth in lending paper .and did not know what they was charging me for. Iook at my statement and notice they differXXXX and took a good portion of my equity

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 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is reporting two accounts to my credit report that are not mine and I have been asking for proof that those are my account and never got them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I HAVE AN ENFORCEMENT CASE AGAINST WELLS FARGO. THEY REFUSE TO PROVIDE MY ASSIGNMENT OF MORTGAGE AND NOTE. THEY REFUSE TO PROVIDE MY POOLING AND SERVICING AGREEMENT CLAIMING PRIVACY. MY MORTGAGE WAS POOLED AND SOLD INTO A TRUST. THE TRUST IS OF PUBLIC RECORD. CLEARLY THEY HAVE NO RIGHT TO THE MONEY I AM PAYING THEM EVERY MONTH. TO THIS DAY THEY REFUSE TO PROVIDE THE DOCUMENTS. BECAUSE MY MORTGAGE RESIDES IN A TRUST THE INFORMATION IS OF PUBLIC RECORD AND NOT PRIVATE AND PROPRIETARY AS THEY CLAIM. IT IS ALSO SUBJECT TO THE SEC PROCESS OF FILING REPORTING AND MAINTAINING SUCH DOCUMENTS. THEY HAVE A VERY SERIOUS ISSUE. SEE ATTACHED DOCUMENTS.

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 2018-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: QuickClick Loans of Illinois, LLC
State: WI

Complaint narrative:
Its was closed off of my credit report and I upload a picture of it another one that say open from the same credit bureau XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is reporting a late payment on my credit reports. I have never paid late. When I ask XXXX XXXX to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however XXXX XXXX will not remove the payment history on XXXX XXXX XXXXXXXX XXXX account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from XXXX XXXX XXXXXXXX XXXX   and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.

Company response to consumer: Closed with explanation