vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
The first problem was with interest rate it was very high 20.36 %, even though my credit score was good. I called the Santander Bank to lower my interest rate they denied my request they have said that I can do that after 6 months to refinance. However I still want to know why the interest rate is high compared with other banks. 
The second problem was with the dealer that I bought the car from. The price online was {$19000.00}. However they added extra charges under the term certified pre-owned that was a fraud. They added {$2000.00} without mentioning this amount in the agreement and another {$2800.00} for XXXX XXXX contract as obligation not as option because they have told me verbally and convinced me it has bumper to bumper coverage and that was the cause for that addition. The price has jumped to {$24000.00}. Note they did not give me the documents by hand instead they gave it to me through flash disk and I believe the purpose for that was to delay my review because I have only two days to return the car. When I finished the purchase and reviewed the documents and checked with the FPO they informed me that there was only powertrain coverage. I tried to cancel the purchase after three days but the dealer and the bank denied my request. I told the bank about the entire story to take care of this fraud charges ( recording ID XXXX ) with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I keep getting phone calls for a debt for my son and daughter in law for a townhouse that was rented. I've told them that I have never ever signed any lease agreement to this place and that my son has a copy of the lease which I never signed and so I am not responsible for this debt. The guy on the phone said he would not stop calling me and now he is going to come after me for the money even though I never signed an agreement. I can email a copy of the lease agreement but it won't let me upload it here because the file is bigger than allowed

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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was scammed by a person who reached out to me on a dating website XXXX. This was around XX/XX/XXXX. They proceeded to text, email and phone me for one month, saying they were building in XXXX, and then said they were robbed at gunpoint on XX/XX/XXXX. They then asked me for money to help them, after they had gained my trust. They said I would be paid back after they returned home around XX/XX/XXXX. After I wire transferred XXXX $ to XXXX, on XX/XX/20, they disappeared.I have filed a fraud claim with Citizens bank. I am a XXXX XXXX XXXX and this money is much needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I fell 30 days behind on my Wells Fargo Home Mortgage a few years back. During that time I was able to arrange for Wells Fargo to re-fiance my mortgage and during the underwriting I was advised by my Wells Fargo Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, Wells Fargo reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but XXXX XXXX is not doing so.

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 2020-03-03 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: OR

Complaint narrative:
Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX XXXX. 

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.

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 2020-03-03 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: OR

Complaint narrative:
Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX  company.

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
BARCLAYS BANK DELAWARE The first time I've ever heard of Barclays Bank when they sent me a billing statement with a balance for around {$1400.00}. I called them soon after and told them that this is not opened and was fraudulently opened and I had no knowledge of the company or the account. Then they still put it on my credit report as a charge off. I don't know how to prove that I didn't open an account with them, every account that I have opened are always paid on time and never 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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/2020, I sent {$250.00} to XXXX XXXX with the email XXXX through the app Zelle for basketball tickets. I never received these tickets. I even sent a request to receive this money back from them, but of course I never got anything back. I first contacted Zelle, but because the transaction was made through my bank 's mobile app ( XXXX XXXX  ), I was authorized to contact XXXX itself. I called XXXX, and the first woman I spoke to was very friendly, sympathetic, and helpful. The next woman she transferred me to was very frank that my bank would not be able to help me because I was the one who initiated the transaction, and that it would have been different if my debit card was used. I asked her what the difference was between swiping my card and pushing a button on an app, but she couldn't give me a straight answer. She said I would have to take legal action against " XXXX XXXX. '' I notified her that I sent multiple emails to this user, and then asked how to get more information about this person so I could. She again couldn't give me a straight answer. It is frustrating that my own bank can not support me against fraud. After this happened, I saw that this exact situation happened, but the victim banked with XXXX XXXX, and was able to receive a " courtesy '' refund. If this can not be resolved, I would very much consider switching banks. It is a shame that XXXX partners with an app that is capable of allowing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED 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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My loan serve company, LoanCare , LLC, ( Street Address:XXXX XXXX XXXX XXXX XXXX , VA XXXX ), failed to pay property tax of 2019 to the local county for my house even though they have my escrow account ( enough amount in the account to pay tax and issurance ). 

Also, they made mistake in the escrow account amount, significantly understate the accumulated amount. 

The local county keeps sending me 2019 property tax bills with penalty and state they may initialize the foreclosure procedure. The bill is due XX/XX/2019 I called LoanCare so many times, asking them to make the tax payment and correct the escrow account amount, but they are very unprofessional, let me wait for more than 30mins for every call and then tell me to just wait. My request is being kicked and played between customer services like a ball. I really do not understand why it is so hard to make the propety tax payment and adjust the escrow amount?

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 2020-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I graduated from college in XXXX. Several years ago I consolidated my student loans with Navient. Since then I have improved my credit rating tremendously, I now have a credit score close to 800. I received a letter from Pioneer Credit Recovery in XXXX of XXXX about a student loan that I did not pay and did not know about as I thought all my federal student loans were included in my consolidation with Navient. I sent a letter to the US Department of Education in XX/XX/XXXX along with supporting documentation ( it is attached ) and I didn't receive a response. What's interesting about the collection agency being Pioneer Credit Recovery is that ( according to a XXXX search ) they are a division of Navient, that has my SSN, DOB, address ( where I have lived for over 5 years ) and my phone number that has not changed in well over a decade. Why would I just now be contacted about this loan? My XXXX, {$1800.00} tax return was off set this year. And I still owe over {$2700.00} due to fees and interest. On XX/XX/XXXX at XXXX I spoke to employee ID XXXX and requested a validation of debt. To date, it has not been received. In an attempt to move on with my life and keep my excellent credit rating, I have offered a settlement of {$1000.00} and it is being rejected. I think {$2800.00} for sending ONE letter a year ago is a pretty good deal, wouldn't you agree? My complaint is that the federal government nor Pioneer Credit Recovery have done their due diligence to collect on this loan and I should not have to pay the inflated fees and interest. Thank you for your 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 explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Starting in early XX/XX/XXXX we became aware that PHH Mortgage Company was not paying our property taxes on one of our parcels. We have contacted PHH by  phone just about every week since XX/XX/XXXX. We continue up to today XX/XX/XXXX to no assistance from PHH. The taxes our included in the mortgage payment, but PHH refuses to follow instructions from the county clerk 's office, sends the wrong amount ( that are marked " Insufficient Funds '', includes the wrong parcel numbers and incorrect address. XXXX ID XXXX a manager at PHH and our main contact has refused to return our phone calls or communicate to us in any way. The parcel stated has been sold for delinquent taxes due to PHH mishandling. The original amount was {$1500.00}, but since it has not been paid by PHH it is now up to {$1700.00} and will increase again in XX/XX/XXXX for additional fines and penalties. Back on XX/XX/XXXX PHH sent two checks in the amount {$750.00} each. PHH has been given by us and the clerk 's office specific instructions on how to send and what to send. The two checks were returned to PHH on XX/XX/XXXX for wrong PIN number, ISF, incorrect check type and this has happened three times now. We have until the year XXXX to redeem the back taxes to keep our property. PHH has stopped all communications to us and has sent threatening letters stating they will start charging us a {$50.00} for some unknown reason and a {$17.00} fee for processing, processing what?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CT

Complaint narrative:
Contacted Experian credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both XXXX, and XXXX   were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and XXXX  XXXX  were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: NC

Complaint narrative:
I received a deposit onto my prepaid card of {$10.00} on yesterday Monday, XX/XX/2020. I tried to use my card yesterday to pay for a purchase at the store be said it said that my purchase was declined. I was sent an email saying that I have received a deposit of {$10.00} on yesterday Monday, XX/XX/2020. Now it is saying that my account balance is {$0.00}. I would like my money back. They never told me that I would be charged for any fees, but I am now being charged for dress. Please help me? I am very upset and frustrated right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I disputed an alleged debt thats reporting on my credit reports reported by Transworld Systems for {$510.00}. Transworld Systems responded with a letter and a photocopy document allegedly from XXXX XXXX the printout is incomplete and inaccuate. The print out has JUST the last name of an allege debtor NO first name NO address NO birthday NO S.S number just the last name XXXX picture included. There are 61,000 people in America that has the last name XXXX this document does not represent me. Transworld Systems has fail to send me complete documents regarding this alleged debt and Transworld Systems is violating FCRA criteria for validating this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late  payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
I have tried on multiple occasions to contact the company with no success. On XX/XX/2020 I sent a written letter to the address indicated on their website to inquire about ending PMI payment and discrepancies on my escrow account. I received no response. Since then I have called numerous times and customer service representatives are unable to help. The phone system is complicated and it takes at least 10 minutes of clicking yes or no to reach customer service representative. I inquired about ending PMI payments because I was not aware they were being charged to my account. I also inquired about closing my escrow account because it always seems to be in a shortage even as my taxes and insurance are decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
I went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.

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 2020-03-03 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:
I went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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