vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I already filled a complaint for my wife line of credit ( XXXX ). Now I have the same or worse problem. We moved to XXXX from XXXX, 4 years ago. Our lines of credits were closed 5 years ago but the bank was charging us XXXX dollars every year. I tried to pay the bank in different ways but none worked. I used bill pay, transfer and wire transfer from XXXX XXXX XXXXXXXX ( my bank ). Nothing worked. I sent XXXX dollar by bill pay, it took 10 days and XXXX had to sent a check because they refused the money. I transfer a XXXX dollars and 10 days after I received a call from Santander asking me what to do with the money ( another check ) Finally, by my bank suggestion, I did a wire transfer for the amount owed XXXX on XX/XX/21 and 2 weeks after the money was back to my XXXX account without any explanation why. I spoke with few CS, few supervisors and finally with a Manager who said that I was receiving a refund for the fees charged. I received the refund but after few days I was charged again making the checking account becomes negative. I asked everybody to close the checking account because was not use for us, Santander DOES NOT HAVE A BRANCH IN SC. They want us to go to RI to close it ( travel expenses are more than a XXXX dollars ). Because they refused the money and reported us to the credit bureau, we decided to use the money to pay other loans that we have, like credit cards and bank loans.

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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( Equifax, XXXX, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits.

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: MI

Complaint narrative:
XX/XX/2020 - I communicated to collection company, I do not owe this debt in the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have disputed this collection account with Portfolio Recovery IAO {$1400.00}. Since it reappeared on my credit report on XXXX of XXXX. The original debt was fraudulently opened with XXXX XXXX was reported immediately to the XXXX XXXX Police debt and later removed from my credit reports with other fraudulent accounts. 

The account is now sold to a new collection agency which is trying to collect for XXXX XXXX. I have made several disputes to XXXX and portfolio recovery and on XX/XX/XXXX I received a notification through my dispute with XXXX and XXXX that the tradeline was removed. When I noticed that it was still reflecting on my credit reports I continued to report the debt and on XX/XX/XXXX I was advised again that the tradeline was deleted and her we are in XXXX and the account is still reflecting on all 3 bureau 's. 

Per CFPB guidelines if an account is disputed and credit agrees to remove. It should be permanently removed as advised and not continued to be sold to new agencies to collect old fraudulent debt. I am requesting that this matter be reviewed and that the tradeline be removed immediately as it's impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: PA

Complaint narrative:
I sent a certified letter requesting disputes with Transunion for information that wasn't mine on my credit reports. I gave them over 30 days and they still didn't respond. I would like them to remove these items as they are in violation of the Fair Debt Reporting Act. It was signed for on XX/XX/2021. The certified mail piece number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.

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 2021-04-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: PA

Complaint narrative:
I sent a certified letter requesting disputes with Equifax for information that wasn't mine on my credit reports. I gave them over 30 days and they still didn't respond. I would like them to remove these items as they are in violation of the Fair Debt Reporting Act. It was signed for on XX/XX/2021. The certified mail piece number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NC

Complaint narrative:
Good afternoon, my name is XXXX XXXX. Im writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did NOT make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX. XX/XX/XXXX, XXXX XXXX XXXX Credit Report Team about a duplicate inquiry on Equifax credit file ( XX/XX/XXXX XXXX. I was told the duplicate entry would be erased from Equifax credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. Equifax, XXXX XXXX XXXX  all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
XXXX. No response from XXXX XXXX, after letter of verification sent. 
XXXX. Equifax reporting inaccurate personal information XXXX multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
XXXX. XXXX  reporting Incorrect personal information : Middle names are incorrectly listed as one name XXXX XXXX XXXX XXXX, when its actually two names XXXX XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: AZ

Complaint narrative:
I noticed a steep drop in my credit score as a result of a Collection Account that belonged to a company called XXXX XXXX in the amount of {$380.00}. This account was for water delivery services and the rental of a water dispensary system. I stopped water delivery and made arrangements for the water dispenser to be picked up in 2019. The dispenser was picked up and returned back to the company. However, the account was never updated and XXXX XXXX XXXXontinued to try and collect the amount of the water dispenser from me ( {$350.00} XXXX. I have been trying to dispute this with XXXX XXXX for three years, to no avail. Finally, I was tired of having a collection on my account so I just paid the balance, thinking my score would improve. It didn't. Instead, XXXX XXXX still has the account listed as a Collection Item, showing a zero balance and the account closed. Because of this, my score is still unnecessarily weighted down because it shows an outstanding collection item. I have tried to resolve this with XXXX XXXX asking them to remove the collection item. They said they are only obligated to show the account as paid, not change the status from collection. So, after hitting a dead end with them, I filed a dispute with the credit reporting agency Experian - after 30 days - NOTHING CHANGED!!! The account is still showing as an open collection - despite the debt being fully paid. I was hoping that this item would be removed altogether - it wasn't. This is still negatively affecting my score. I want it removed altogether!! There isn't any reason to show it as still in collection - when it clearly is not. 

I have exhausted every possible remedy short of suing Experian and XXXX XXXX for false reporting. 

Please help me get this item removed from my credit reports with all three ( 3 ) bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
I have repeatedly called the servicer to make a payment or make payment arrangements. 
Selene Finance. 
Typical call Please hold, representative not available please schedule call back in two minutes never get a call back. 
Promised to call XX/XX/XXXX for payment they never called. 
Get random calls from agent completely clueless as to any previous conversation. 
offer to have someone call and discuss options. never got a call back. 
sent paperwork in 2020 Tax return missing sent all other paperwork. 
their denial say 's nothing received. 
agent made work out plan. Plan denied by higher ups. 
loan {$95000.00} equity {$150000.00} Plus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Westlake Services, LLC
State: TN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX : Case Number : XXXX The issue is that I did not then, and still do not now have either an ATM or a Debit card that allows me to withdraw money from my account while I am overseas. So XXXX XXXX has totally missed the point. 

While it is correct that I don't have a US phone number to which the Bank could send me the one-time code, that is not the issue. My issue is that the bank needs to have ALTERNATIVE SYSTEMS IN PLACE so that customers who find themselves in the position that I am in, are able, by some other means than having a US phone number, STILL be able to get an ATM or Debit card while overseas. 

Furthermore, It is TOTALLY UNREASONABLE for the bank to take the position that the only way that this deficiency in their system could be resolved, is for me to return to the USA in order to get an ATM/Debit card. These observations are made in view of the fact that : Firstly : All reports suggest that currently, in the USA, the impact of COVID 19 and its variants is quite severe, therefore I do not want to return to the USA under these specific circumstances Secondly : However, The cost of returning to the USA is price prohibitive. 

Thirdly : The bank needs to have systems in place that customers in my position could use. 

Fourthly : When during my conversation with the CSR on XXXX XX/XX/2020 I had asked for the issue to be escalated upwards that was because there were no avenues for resolution with that CSR. I also found out that the bank could not even send me an XXXX XXXX, which would have been an alternative means by which the bank could verify my identity. So it is clear that XXXX XXXX who reviewed the complaint did not do a thorough review of the matter. 

Yes, I did ask for the matter to be escalated upwards as I was not getting any satisfaction. Hence the length of time spent on trying to resolve the matter. This extended time on the phone was as a result of the Bank 's inefficiency to adequately resolve the matter. Hence, under these circumstances, it is normal for the Bank to compensate me for the long time that I needed to spend on the phone with the various members of their staff. 

Lastly I also ask that the Bank communicates with me about this matter through my email address and not by mail through my XXXX XXXX address which is very expensive for me to Retrieve any correspondence sent to me 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 explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
This alleged XXXX XXXX XXXXgency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent XXXX XXXX XXXX XXXX with Lasting Consequences. A Fraudulent Sale, with No Inspections, therefore No Occupancy Certificate could be issued. The inspection document is blank. Three major water intrusions in the home from point of sale to the last intrusion which resulted in forclosure because I could never really live in the home. All information was hidden to the reasons for the flooding into the home which only occured during heavy rains. Major mold condiitons condiitons exsisted and you could see and smell the problem. California has been under drought conditions currently and in the past years that allowed them to get away with it. I knew that they where a group of the most dishonest individuals I have ever been involved with but could not prove it until many years later in 2018. My XXXX XXXX XXXX walked away from 8-9 claims that I filed and they ended up suing the builder themselves so they withheld information that would had been helpful to me navigating the condiitions I was involved in. Wells Fargo who was the lender on site that you had to get pre-approved with which was condition of the sale of the home with this builder at the time. Wells Fargo closed there division later doing homes with builders. XXXX XXXX  was the builder that had lots of problems with this subdivision and others. XXXX XXXX to search the many cases. They built in other counties also so that search would change. 
I filed complaints with XXXX XXXX XXXX XXXX, Department XXXX XXXX XXXX, and hired an attorney who was useless. The XXXX XXXX Attorney was involved originally which I did not know at the time. I have a full Chronology that I would like to submit & upload. I have other documents that the system does not allow me to upload as they are sitting in email ( outlook XXXX let me know how to send by email. Please let me know if you can help! 
**XXXX  is currently involved with a case playing out in a court of law in XXXX that is surrounds fraud.

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