vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: NV

Complaint narrative:
i XXXX XXXX bought a condo XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nevada XXXX in XX/XX/2018 ... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX ... i did not purchas this in XXXX..its on my credit report causing problems..i have sent written letter in 2018 to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family geo code:XXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and XXXX him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX so buffalo dr. XXXX XXXX nv XXXX and its still there..

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 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and TransUnion ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this. 

Your assistance will be much appreciated. 

Sincerly XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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:
To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : Equifax ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off XXXX. I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( JXX/XX/XXXX, Dispute No. XXXX ) ; Experian ( XX/XX/XXXX, Report XXXX. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: SC

Complaint narrative:
I received a total of XXXX on my XXXXkrill account. They have restricted my account for no reason ( I've had the accout for awhile but just recently started to use it ) and I have accumlated this balance. I've verified my account and I have the transactions to prove my purchases. All I ask is that that I receive my balance and they can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I am who I say I am. First I want to start off by saying there is no such thing as a " loan '' so that is already false and misleading pursuant to 15 usc 1611. I have already reached out to Santander Consumer USA on several occasions and have proof in the attachments that I will provide. They already have received my cease and desist and have continued to violate it by not giving me the specified remedy within the cease and desist which I know that I am entitled to pursuant to 15 usc 1692c ( c ) ( 2 ) because I am the consumer, original creditor and the natural person pursuant to 15 usc 1692a ( 3 ). I have also sent them 2 separate affidavits of truth which they have ignored and not replied to. within the attachments you will see that Santander Consumer USA continuously and deliberately violate my federally protected consumer rights and currently owe me {$85000.00} usd for each of these individual actions against me pursuant to 15 usc 1692k. I have used exhibits ( which will be attached ) to show PROOF that they are deliberately violating my federally protected consumer rights and I am reaching out o the CFPB to help me receive the remedy that I am entitled to as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX I had {$1400.00} stolen from my US Bank personal checking account through my Email address that was linked with XXXX. After calling a Telephone number that I had XXXX  for XXXX  I spoke with an individual Who claimed that he was an account manager for XXXX and stated that he needed to verify me through my US bank account that was linked to my XXXX account. I had been on the phone for over two hours with this individual because I had a question about the XXXX app.He had attempted to verify me through various means. On XXXX XXXX I reported the theft to XXXX and received a fraud complaint number and was instructed to call my US bank in XXXX XXXX California to report the fraud. I also filed a police report with the XXXX Police Department, The FTC, all three credit bureaus and had to change my username and password on all my accounts. I called US Bank and reported the theft and XXXX fraud complaint number to the XXXX XXXX branch manager XXXX XXXX XXXX. XXXX XXXX XXXX proceeded to harass me and claim that I did not have a fraud claim and that it was a scam.She literally took my words out of context and used them against me. My claim was denied because she had filed it as a dispute. The fraud department claimed that It was an authorized-transaction and subsequently denied my claim. .After several hours and days on the phone Between XX/XX/XXXX and today XXXX XXXX with the fraud department My fraud claim was finally filed. The fraud department instructed me to take the police report and all my supporting documents to US bank branch in XXXX XXXX.The documents were hand-delivered from my wife to XXXX XXXX XXXX the XXXX XXXX XXXX branch manager. XXXX XXXX XXXX failed to file the documents in a timely manner so the fraud department could make a valid decision. She filed the dispute claims three times and each time I was denied because they said it was a duplicate claim. I complained to the District manager XXXX XXXX about her performance as a branch manager. If this matter is not resolved with the {$1400.00} funds credited back to my personal checking account I shall have no choice but to file complaints with the FTC, The consumer financial protection bureau and the XXXX XXXX XXXX against the branch manager of XXXX XXXX US Bank. In my opinion XXXX XXXX XXXX is incompetent and unworthy of her position.

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/2021 I wrote a letter to Experian concerning incorrect personal information that I found on my credit report ( 4 addresses and 1 phone number ) and that I would like the incorrect personal information to be deleted by Experian. On XX/XX/2021 I mailed the letter via USPS Certified Mail with returned Signature Confirmation to Experian. I received back the signature confirmation from Experian via USPS indicating that they did receive my letter on XX/XX/2021. On XX/XX/2021 I received a response from Experian via their online portal that they deleted 2 of 4 of the incorrect addresses from my report and deleted the 1 incorrect phone number from my report. But 2 incorrect addresses were not removed by Experian from my report and 2 incorrect addresses still remain on my 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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
Received Deferment repayment Agreement from my mortgage servicer, My mortgage servicer .They refuse to provide mortgage assistance to me. Our interest rate is still 13 percent, I elderly and in my seventies ' I have filed bankruptcy several times to keep my home out of foreclosure. My servicer has been unwilling to assist me and I'm now on a fixed income. I have been sent this agreement that is not affordable and I feel that I have not been offered the mortgage assistance that is available though the current mortgage mortgage assistance programs that have been set up for individuals that have been affected by covid-19 and other financial hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I have made several attempts to resolve please delete from Diversified Adjustme-XXXX Account # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My vehicle was repossessed on XX/XX/XXXX at XXXX XXXX in the morning. I had a schedule payment of {$990.00} that was returned on Monday by my bank. I made a {$250.00} payment via XXXX XXXX on XX/XX/XXXX and call to reschedule the {$990.00} for Friday XX/XX/XXXX but was locked out of my online account. 

I never received the certified notification required by the state of Maryland. Ally Financial keeps directing me to call the repossession department. 

When calling the repossession department I get disconnected when I enter my account number or social security number. The customer service department can give me no information about why it was repossessed and has not sent any notification of repossession. 

Ally also doesnt not accept certain credit card transactions with no explanation. They take days to process scheduled payments also.

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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my Binance.us account was hacked by an unknown party. They " sim swapped '' my XXXX phone, accessed my account and removed over {$10000.00} in bitcoin from my account. 
The hack was sophisticated. My phone was sim swapped, my email was also hacked and a filter created so that any emails from binance.us would go to trash and I wouldn't see them. 
The next day I noticed that my phone wasn't working. I checked my email during the day and by chance went into my email trash where I found the email notifications of unauthorized access into my account. 
I contacted binance.us who didn't get back to me until XX/XX/XXXX. I just got access to my account today, XX/XX/XXXX to find the hack had taken place. 
Binance says they aren't liable for the loss. If this had happened at my bank, they would've covered the loss. 
Binance.us shouldn't be able to operate in the US without proper insurance in case of consumer loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PUBLIC RECORD ON ACCOUNT THAT DOES NOT BELONG TO ME. I DO NOT HAVE KNOWLEDGE OF THE ACCOUNT. 

XXXX XXXX XXXX XXXX - CIVIL JUDGEMENT FOR {$1000.00} IN XX/XX/2020.

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 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My car was repo by Wells Fargo in XX/XX/2021 during Covid the repo company damages my car. My locks was changed on my car with multiple dents besides a part inside the car was damaged upon them changing the locks. Unfortunately Wells Fargo is refusing to take responsibility of the damages that was done to my car and now that I have 3 payments left they are refusing to repair the damages. Representative XXXX made a assumption that those were Pre existing damage on the car. He have never seen the car prior to the car being repo.

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 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Sunset Solutions Group, LLC
State: NJ

Complaint narrative:
I received several phone threats from Ms. XXXX in XXXX, but I told her to do what she needed to do in the courts. On XX/XX/XXXX she called from a XXXX number ( XXXX ) XXXX ext. XXXX stating she was with Sunset Solutions Group demanding to file a judgment against me and deduct money from my payroll if I didn't make payment arrangements. At this point, I agreed to pay a one time payment of {$200.00} and $ XXXX  monthly until paid off. I received a XXXX via email from XXXX the Accountant and a settlement document as well. I signed the document even though it was against my better judgment and they withdrew one payment from my account. However, during the month I spoke to my bank rep and they said it sound fraudulent and banks do not make phone calls, they send out letters in the mail. So, I had my bank to issue me a new debit card. The next month I received another call from Ms. XXXX requesting the money, but I refused to pay. Another rep by the name of XXXX XXXX, Creditor Supervisor called on XX/XX/XXXX saying Sunset Solutions Group had purchased the account from XXXX XXXX  XXXX XXXX and Mr. XXXX reduced the intended amount of {$1300.00} to {$600.00}, however, I refused him as well. 

After I spoke to Mr. XXXX I called XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX ) and they didn't have a Lein Department. I researched Sunset Solutions Group to find out that the business is unclaimed and anyone could claim this business for free. 
Also, there is a New York phone number ( XXXX ) XXXX for Sunset Solutions, CEO XXXX XXXX, but I can never reach anyone. I was just introduced to this site by XXXX XXXX to file a dispute so this is why it is now XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
my account has been frozen for over a year now with no written or verbal explanation of why or when it will be back useable they continue to charge my account XXXX dollars every month far a acoount that i cant use customer service is of no help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Yesterday XXXX  XXXX 2021 i received a letter notifying me that AmeriHome Mortgage in XXXX NJ will no longer be my servicer and will be transferring my mortgage to XXXX XXXX  of XXXX. XXXX NJ. Not a big deal since it is a common practice. I've only had my mortgage for 1 year and have already been transferred now 3 times. Again not a big deal. My issue happened today XX/XX/2021 when i discovered, I'm speaking to XXXX Mortgage to get details of the transfer and find out the person " XXXX '' I'm speaking to and giving personal data to " verify my identity and loan '' is in XXXX. Someone across the world giving me a fake name, not licensed in any state of the US has all my data now, including but not limited to things like name, address, dob, social security and mother 's maiden name, loan number, balance etc.

I called Amerihome and they said nothing could be done. I could pay them to refinance the loan and hope that it stays in house or gets transferred to another company in a year that is US based. 
This practice needs to be looked at and consumers need protection of private information. This outsourcing can't be safe and there is no recourse if they abuse private information. 
PLEASE HELP.

Company response to consumer: Closed with explanation