vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Okay, my problem is complicated. I may have to send three separate complaints against ( Santander USA, XXXX XXXX and XXXX XXXX ). Here is my problem. 

I have two lien holders listed on my non negotiable title. I live in Oklahoma. In early XX/XX/2013, I took out a loan with Santander USA, and in late XX/XX/2013, I had it refinanced with XXXX XXXX for a lower interest rate. On XX/XX/2013, Santander USA was paid {$17.00}, XXXX for my vehicle loan, meaning Santander USA was paid in full by XXXX, and thus, XXXX XXXX became my new lender and lien holder. Months prior to paying XXXX XXXX 's loan off, XXXX sold or transferred their auto loans to XXXX XXXX, which complicates matters. 

My local tag office in XXXX, Oklahoma, which provides clear titles, refuses to give me my full, and clear title, because they states Santander and XXXX needs to be removed as lien holders. Neither company ( Santander and XXXX ) sent in the proper paperwork to the Oklahoma Tax Commission, ( OTC ) removing their liens. In addition, XXXX XXXX  's transferee ( XXXX XXXX ) failed to send in proper paperwork either to temporarily add their lien and advised they were taking over XXXX, nor did they send in a lien release to the OTC. 

All of this has been a headache for me and it doesn't appear to be resolved anytime soon. Meanwhile, I am denied my clear title because of them. This is a clear violation and fraud. I will be sending separate complaints for each lender ( Santander USA, XXXX XXXX and XXXX XXXX ).  Please investigate. and help me get my clear title without liens on it. Thanks for your time. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CA

Complaint narrative:
My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted Transunion for guidance and requested XXXX XXXX to submit a deletion of credit inquiry directly to Transunion. I have been informed, by Transunion, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by XXXX XXXX. 

On XX/XX/2019, I contacted Transunion for a status update as it is only a few days away from the 60 day timeframe. Transunion informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from XXXX XXXX. I informed the representative that XXXX XXXX does not provide the customer a copy of the letter and that it is electronically sent to Transunion. Transunion persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to XXXX XXXX. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether Transunion is able and should receive electronic letters of deletion of credit or if XXXX XXXX must provide the customer a copy of the letter of deletion of credit. In addition, XXXX XXXX automatically opens a line of credit with simply a drivers license without validating the correct social security number.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
Miramed Revenue Group alleges it has an account pertaining to XXXX XXXX in their possession. Attached is the billing statement from that provider office. All dates of service were covered by insurance, however, the insurance company indicated that the provider coded improperly/different for the service date of XX/XX/2017. A co-payment was made as required by XXXX XXXX. Again, neither XXXX or the provider office submitted bills to the insurance company regarding XXXX. It can be ascertained that an adjustment was made to one bill by XXXX but not the other and neither were insurance adjustments. Therefore, these bills have been sent back to XXXX as well. Both the providers office as well as XXXX was addressed prior to this and no changes were made as of this date. However, I paid for insurance, therefore the insurance will be the primary payment and as already stated, I will be responsible for co-payments. Both dates of service provided the same care and XXXX, so there should not be any significant balances between the two dates of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted Transunion many times regarding this unverified debt. I have requested an internal investigation into a {$3000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX XXXX and they are not able to share any information they have on the debt. I spoke to the manager on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to be updated and harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.

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 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
Security Credit Svcs recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made Security Credit Svcs aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have had this Discover credit card since XXXX and have never made a late payment. I paid the card off the card XX/XX/XXXX I came into some money and paid off all my cards.I had some credit issues on or about XXXX but have not paid late on anything since. I'm disputing some 2 medical bills that should have been paid by my health insurance that I know about. I feel discriminated because I was never contacted by anyone to tell me what I should have done to avoid having this {$500.00} credit limit card closed. Please advise on this matter so that I understand why I was treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
Yesterday, I went to the bank to meet with a Mortgage consultant. She checked my credit and told me there was a claim from Trident Asset Management for {$68.00} in reference to a XXXX bill from XXXX and the last time they filed a claim was XXXX. I have never had an account with XXXX-not cable, not cellular, etc. I received a letter from Trident asking for this money a couple of years ago, so I contacted XXXX, who had no record of me having any account with them. 

I had no idea that this had been affecting my credit since XXXX and would like it taken care of ASAP because I am trying to buy a new home. 

I have read numerous complaints similar to my own for Trident Asset Management. I can not reach them on the phone and I do not feel comfortable paying a company that is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I modified my mortgage back in XXXX and was told that I would have to pay back an amount when I sold or refinanced which I was ok with. I then refinanced my house in XX/XX/XXXX and the pay off sent to my mortgage lender by Wells Fargo wasn't including this amount. XXXX XXXX investigated it and discovered that well s Fargo mistakenly sent a short pay off. The title company included the 2nd lien ( HUD modification pay off ) in their request. 

Wells Fargo has been rude when I called and haven't been helpful at all. The treasury Dept. has added additional fees to the pay off because the lien wasn't paid when I refinanced. The additional fees are extreme and I feel Wells Fargo is responsible for these fees because they made a mistake when they sent the pay off. In addition, my credit has plummeted because the collection has been reported. I'm wanting to list my house and buy a new one but now my credit is low due to this collection. Not to mention the fees from the Treasury department are in excess of {$15000.00}. Like many people, I depended on others in a specialized area to do their job and I really was unaware of the error in the payoff. I really need someone to help me because I'm not financially literate when it comes to these type of situations.I 'm selling my home before I really want to because I'm concerned about this lien.

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 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made XXXX XXXX XXXX aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX year my loan was transferred to Sps for servicing of my loan from XXXX and I had just completed a modification and my taxes and insurance was suppose to be paid by the servicer. 

I received a letter from the County that my taxes have not been paid and I would loose my property XX/XX/XXXX. 

I contacted Sps and filed a complaint regarding this issue and was told that the taxes would be paid on my behalf after speaking with XXXX XXXX at XXXX XXXX XXXX. 

I receive a letter today attached that my escrow was removed without my permission and SPS failed to pay those taxes which is why I have lost my property and I have documentation that Respa violations have been violated and no enforcement action has taken place. 

I now have to file a lawsuit hire and attorney to sue for violation of my rights if those taxes have not been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
I received a letter from Phoenix Financial Services on XX/XX/2019 about an alleged debt. The alleged debt was in the amount of {$500.00}. The original creditor is XXXX XXXX XXXX XXXX. The current creditor is XXXX XXXX XXXX. I responded to PFS via letter requesting verification of the alleged debt. My letter was mail to PFS on XX/XX/2019. I received a response from Phoenix Financial Services on XX/XX/2019. The response did not include sufficient verification of the alleged debt. Also the response was outside of the 30 day response window.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/2019, 2 young men came to my door. They asked me several questions about my XXXX XXXX XXXX bill. They said they could lower my bills for Internet and TV and give me a free cover for my doorbell and it was included. They led me to believe that they were from XXXX XXXX XXXX. No other companys were mentioned. I allowed them to come in. They took several minutes, inputting my info into their ipad. During the process I specifically told them that I didnt want my credit pulled. After they was finished getting all my bank info, I specifically told them that I didnt want automatic payments for my TV & Internet. The last stage of this meeting was to speak to someone on the phone. Thank God for that step or I would have been duped into this loan that i did not need or want. I specifically have a No Soliciting sign on my door. Those guys approached me like they wasnt selling anything that they was there to lower my bills! I know those calls are recorded so someone should listen to it!! I was in complete shock. The man on the phone told me that i was applying for a {$1300.00} loan for a doorbell camera!, they were going to take out {$70.00} a month automatic payments!! I ended the call. Told those 2 men that I wasnt interested in anything like that! I just wanted my bills lowered. You can hear me say that in the call! Then i asked them to leave. The next day I contacted XXXX to dispute the credit pull. Their response was to contact Citizens Bank to resolve the issue and gave me a phone number. I called the number and their response was email client support. A couple days go by and i get a reply to my email. Their response was that i had signed up for a XXXX XXXX Loan Payment type of loan and they are not removing it from my credit report!! By the misrepresentation by those 2 men will cause that hard inquiry on my credit report for 2 years. This complaint is about Citizens Bank and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NC

Complaint narrative:
I initiated a credit investigation with Experian on XX/XX/XXXX. I was supposed to receive a response within 30 days, but I have not.

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 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. 

In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. 

Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. 

Most recent examples : XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019.

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 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I have been trying to postpone my sale date with PennyMac. First I was told my file was complete, then I was told it wasn't. Every time I tried to fax them something, it would take hours for the fax to go through, and I finally had to get their foreclosing attorney 's help in getting the package to them. I have complied with everything, but they continue to move the goal post, and I can not afford to reinstate. My hardship was that my fiance` and I parted ways, causing a disruption in my finances, a loss of income. I made the necessary adjustments in my life before I applied for the loan modification, as I am not confident I can support the mortgage on my own. One representative will tell me one thing, another representative will tell me another. I am in a panic. I have sent them a complete file. I obtained a Quitclaim Deed, then they wanted proof of hardship. I said the fact that he's not longer in the home and the Deed should be evidence of my loss of income. I was then told to send a bill that was in his name, that had to be switched to my name thereafter. I did so, and was told that wasn't enough. Please help! I am desperate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
In 2008, I bought a time share with XXXX XXXX XXXX in XXXX, Fl. I paid off the time share. They invited me down and sold me an " ungrade, '' saying I had several days to cancel the deal. I sent a certified letter to cancel the deal. They refused the letter. They turned me over to collections. I agreed to return their deed in lieu of foreclosure. They were supposed to clear my credit report. To this day, seven years later, their negative report is still on my credit report. I feel they defrauded me, taking my paid off time share and refusing to cancel an up-grade deal. I want this off 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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation