vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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 Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander has failed to administer the settlement agreement in the case against 34 states for deceptive loan practices. Yesterday, XX/XX/20, they repossessed my vehicle. I am eligible for restitution under the terms of the settlement. Santander 's legal department and administrator, XXXX XXXX, is not telling their customer service agents about this settlement. Therefore the collections department repossessed my vehicle. Daily I received calls and their agents said they are unaware of the settlement. After the agent does a little research they said to contact my state attorney general. I told them I did. Santander is supposed to mail notices to consumers. I called XXXX XXXX and was told they had no database to begin administering the settlement. Santander 's website says the time frame for mailing notices to consumers that are eligible for restitution is not yet known. XXXX XXXX XXXX   XXXX I spoke to XXXX whose ID is XXXX. She was rude and asked for the notice that hasn't been mailed yet. XXXX said I need the notice or pay {$3200.00} within the next 9 days to recover my vehicle. I need my vehicle for work, which I just started one week ago. Please respond as soon as possible. Santander is doing the same as before the settlement. They are undermining the work done by the State Attorney General. What are my next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CA

Complaint narrative:
This is my fourth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX   & XXXX XXXX ) 3. ( XXXXXXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX &  XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate  this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2020-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally Bank received an ACH from XXXX in the amount of {$520.00} on XX/XX/2020. The account it was sent to was closed in XX/XX/2020. Ally has not returned the money to XXXX yet and XXXX will not reissue the money to my current bank account until they receive an official rejection from Ally.

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 2020-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: WI

Complaint narrative:
In this COVID-19 pandamic, my daughter 's & my ( co-signer ) financial situation has changed drastically. We are struggling to pay our mortgage and other bills. As a co-signer, I have repeatedly requested Sallie Mae to defer the student loans of my daughter as per CARES Act, but they continue to harras us with phone calls & collection letters etc. 
I am a substitute at a local school here and my hours are cut considerabily ( 15 hours a week ) due to virtual class room arragement. After the CARES Act went into effect in XX/XX/XXXX, Sallie Mae went into my checking account and illegally debited funds for XXXX & XXXX months with out my authorization. I previously set up a 3 payment plan in XX/XX/XXXX, they continued taking out funds after the three month period as well. 

My daughter & myself can not make payments on student loans till the end of this year XXXX. I need your help to contact Sallie Mae and direct them to stop harrassing us and put a forbearance plan through XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
In review of my credit report, I notice Credence Resource Management reporting on my credit report for the amount of  {$610.00}. I first reached out to the credit bureaus and they came back as the debt being verified. On XX/XX/2020 they sent me a so called bill from XXXX XXXX XXXX. I questioned the bill as well as I do not have an account with XXXX XXXX XXXX, especially not this year or last year. The bill shows a recent date for XX/XX/2020. I have no account with them. I also noticed from my credit report, that they are updating this account as if it is a new account, which is a violation. On XX/XX/2020 i asked this company to provide proof with regards to this debt. On XX/XX/2020 they sent a letter stating that the creditor has verified the debt and that the charges on your account are valid. 

They have not sent me any proof, for this account. They are reporting false account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ordered a washing machine from XXXX XXXX during the summer of XXXX. Unfortunately, the delivery driver did not have the proper insurance and the building refused the delivery. The washing machine was returned to XXXX XXXX. Rather than credit my account for the returned appliance, XXXX XXXX decided to issue me a gift card in the amount of the value of the returned washing machine. When I called the credit card company to inform them that I had never received the gift card, they told me that they would open an investigation. So far, the original purchase amount of {$1100.00} plus interest and fees is being reported to credit bureaus. I am shown as being delinquent in payments. 

Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION
State: OK

Complaint narrative:
1 ) On XX/XX/2020 I applied for an UMB checking and savings account with the following offers : + Get a {$300.00} checking bonus when you complete the following requirements : Set up a UMB Visa debit card and complete 15 debit card transactions Enroll in online banking and set up online bill pay and complete two online bill payments Have direct deposits totaling {$1000.00} or more into the account + Get a {$200.00} savings bonus when you complete the following requirements : Open new savings account and fund it within 60 days of opening checking account 2 ) XX/XX/2020 : My checking and savings accounts were both funded with {$100.00}, and the {$200.00} bonus was also deposited by UMB to my UMB savings account. 

3 ) On XX/XX/2020 I called UMB Bank to setup online banking. I received my UMB Bank debit card in the mail. They said both checking and savings accounts were funded with {$100.00} each and that UMB deposited the {$200.00} bonus into my savings account. The bank rep requested that I send via a secure email additional verification documents : Driver 's Lic, Social Security, Utility Bill, and current Bank Statement from a different bank. I sent the requested docs the same day. 

4 ) On XX/XX/2020 I called UMB Bank to confirm that they received the requested documents. The bank rep said my accounts were funded and open. 

5 ) On XX/XX/2020 I called UMB Bank to setup online banking. The bank rep said UMB received all the verification documents requested. Then the bank rep said both my checking and savings accounts will be closed, so online banking can not be setup. The bank rep refused to explain why my checking and savings accounts will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
I downloaded the app XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX  XXXX {$21000.00} XXXX  XXXX {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts

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 2020-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My car was paid off and I never recieved the title to my car. I have been calling for 6 days and no one seems to know where is the title. I will appreciate if you ask this company to send me my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Under the guise of system errors, TCF tried to charge me an overdraft fee that was completely their fault, and said themselves they wouldnt have corrected it if I hadnt brought it to their attention ; same situation with my sister.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc.
State: IL

Complaint narrative:
MJ Altman put a debt of {$5900.00} on my credit report about a medical bill from 2016 that I have no idea about. I want them to remove this from my 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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I downloaded the app XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXXXXXX {$11000.00} XXXX XXXXXXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX  XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
I downloaded the app XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$5300.00}. Never applied for a Time Share Loan. 

XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$1200.00}. I've reached out numerous of times trying to explain that I don't owe but it keep appearing on credit report. Never applied for this loan. 

XXXX XXXXXXXX XXXX # XXXX was charged on credit report on XX/XX/XXXX of XXXX for the amount of {$950.00}. I never applied for this loan and don't know why its negatively affecting my credit score. 

XXXX XXXX was charged on my credit on XX/XX/XXXX, of XXXX for the amount of {$1300.00}. I never applied for this Loan. 

XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of XXXX. I never applied for this company services. 

I have reached out to all companies and disputed above charges.

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 2020-08-19 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: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my 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 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CITI bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.

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 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX 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 2020-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I have received multiple letters from Convergent Outsourcing Inc. regarding multiple debts that are not mine. 

The first time was about a year ago regarding a XXXX account when I have never had an account with XXXX. 

Now, more recently they are incorrectly claiming I owe money to for a delinquent XXXX XXXX services account. While I did have an account with them I closed that account and paid all bills and returned all equipment in a timely manner. Upon contacting Convergent they admitted that the account on file had an address that was never mine. 

They are repeatedly and incorrectly assigning debt to me and others as seen on the complaints page of the XXXX XXXX XXXX  as seen here : https : XXXX Please help correct their practices.

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 2020-08-19 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
On XX/XX/2020 I corresponded to XXXX who is a representative of Flagstar Bank concerning the overcharging on my escrow account, I asked for Flagstar to refigure my escrow due to a large overage in the future, XXXX refused to refigure.

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 2020-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I was in Bankruptcy for 18 months and discharged XX/XX/XXXX. I received my truck title from XXXX XXXX XXXX XXXX   the last week in XXXX, so no problem with this. 

However, My First Associates Loan Servicing LLC ( XXXX XXXX ) loan was paid off through the Bankruptcy Chapter XXXX on XX/XX/XXXX by XXXX XXXX XXXX too. 

I contact First Associates Loan Servicing by phone on XX/XX/XXXX and was told the loan was 61 days past due $ XXXX. The customer services rep put me on hold then came back and said I had the wrong number and I do not have a loan. The number I dialed was and was told my account was past due with a balance. Then I was told I did not have an account. The number I dialed was XXXX. 

Then on XX/XX/XXXX, I received an email to update my password on XXXX XXXX portal. On XX/XX/XXXX I did and I type a message inquiring about my title. As of today, I heard nothing from First Associates. Based on the internet reviews, I may never get my title back so I am seeking help from CFPB.

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