vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with Santander Consumer. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on maternity leave without pay and could not afford it. Shortly after, about 4 months later, while still on maternity leave I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called XXXX XXXX had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Webcollex, LLC
State: IL

Complaint narrative:
COLLECTIONS {$1500.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 
CKS PRIME INVESTMENT {$1500.00} Needs attention HIGH IMPACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CA

Complaint narrative:
I filed disputes with all 3 bureaus and still have not received anything from them. 
I understand it time to received things by mail but more then 30 days is not acceptable. 
They say they will send results within 30 days then that what they should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
After receiving notice I was furloughed from my employer, I called Consumer Portfolio Services , Inc. and advised I was furloughed for XXXX and Representative labeled my account as affected by Natural Disaster and advised by doing so it would not report to the 3 credit bureau repositories. I have recently pulled my credit report for XXXX, XXXX  and XXXX  to find the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all showing late. I have since gotten money to pay my account up to date and called back after to advise a supervisor and spoke to someone in the XXXX Department that advised it was nothing he could do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
I need some assistant with the following unverified accounts that are showing on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
I need some assistant with the following unverified accounts that are showing on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA 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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
From XXXX through XXXX, 2020, I paid to credit card company ( Citi ) {$1300.00} toward my credit card balance and only charged {$16.00} during those XXXX months. 

Yet, my interest per month went upward {$8.00} at the end of XXXX months compared to what it was at the beginning of the XXXX months.. There is no mathematical possibility that my interest per month should not have gone done ... considerably. This is true even if Citi calculates interest based on different number of days in the calculating period. 

In XXXX, Citi calculated a 33 day billing cycle which, of course, greatly increased the interest charged. No other credit card I have has ever calculated a 33 day billing cycle. 

I contacted the company. Their rep said he would send to me, within XXXX to XXXX  days, the reasons for the company 's calculations. I never received it.

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 2020-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: IL

Complaint narrative:
The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all information.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I realized upon pulling my credit report that XXXX XXXX XXXX reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with Experian and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by XXXX, but they are still reporting it as a collections account. I called XXXX and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The XXXX agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by Experian that allows for me to contest the account. Experian only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This past XXXX I called Wells Fargo Customer Service and asked to have 3 months of my mortgage payments deferred to the back end of my mortgage because I had to close my restaurant due to covid. I was told by the customer service rep that it would be no problem because wells Fargo was there to help us get through this terrible time. I wasn't asked to fill out any paperwork. About a week later I received a letter from Wells Fargo explaining what my next steps were. It clearly spells out the next steps in the letter from Wells Fargo that the three months payment would be moved to the back end of the loan. At the time of the request I was 2 months behind in my mortgage. Between XXXX and XXXX I Made two payments on the mortgage to bring the mortgage current. I then received a phone call from Wells Fargo in early XXXX asking if I needed to extend the deferral period. I told them that I didn't want to extend and that I would resume my regular payments in XXXX which I did and have paid on time in XXXX & XXXX as well. In XXXX I starting receiving loan modification documents and constant phone calls from their loan modification department telling me that my loan was sold previously and the Savings and Loan that owned it would not honor the deferral and that if I did not apply for and receive approval on the modification that they would start acceleration on foreclosure. I was also told that since I am still out of work that I would be denied approval. I was told by Wells Fargo who services the loan that The savings and loan would not honor the deferral because at the time I called for deferral I was two months behind. I asked why I wasn't informed of that in the deferral acceptance letter or on the phone and was told that the policy was put in place on XX/XX/XXXX which was three months after I was accepted. On the date that new policy was put in place I was already caught up with the two months in arrears. This puts my home in peril. Please help!

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I applied for a Lowes promotional consumer credit card that had a 0 % interest for 6 months to purchase some windows for my home. I should have known better. It turns out, Lowes contracts with Synchrony Financial to provide the credit services. While I only had {$23.00} to payoff of the remaining balance, Synchrony decided to reduce my credit limit by {$400.00}, because I missed the last payment by 6 days, in addition, they charged me {$29.00} for the lay payment. I am ok with paying the {$29.00}, but dropping my credit line by {$400.00} is an insult and outrage and has a considerable negative impact on my credit rating. I contacted them several times and was told they cant do anything to reverse the decision to reduce my credit limit. My wife also had a CareCredit card for medical expenses, which was provided by Synchrony Bank. She had a zero balance on her account, however, without any notice, Synchrony closed her account. I have reviewed many of the recent complaints filed against Synchrony on the XXXX XXXX XXXX web site, and it seems Synchrony is systematically closing accounts or reducing credit limits of customers that have zero or low balances, or no interest payoffs. They claim the accounts are being closed because of low credit scores, but this is false. It doesnt take a rocket scientist to understand what they are doing. These accounts cost Synchrony money to keep open. Simply put, the bank does not make enough profit on the interest and the accounts are considered a liability. Since the economy is in a recession because of the coronavirus pandemic, Synchrony Financial is trying to reduce its credit liability by systematically closing accounts that have zero or low balances, and they are falsely claiming the accounts are being closed because of low credit scores. They are deliberately putting false statements on peoples credit reports as to why the accounts are being closed, which is lowering their credit scores, making it harder for them to take out loans, and increasing the cost of borrowing. I have a feeling the 13,000 complaints that have been filed with CFPB since 2017 against Synchrony are just a tip of the iceberg and that when there is a formal investigation into the business practices of Synchrony Financial credit card services, there is probably the potential for a class action lawsuit.

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 2020-09-17 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: MD

Complaint narrative:
I submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.

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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have automatic text message notification set up with my bank of america accounts. On XX/XX/2020 two automatic insurance deductions ( that are scheduled and usually occurs on the XXXX of each month ) were paid resulting in a negative balance to that particular account ( I received NO notifications and BOA charged two separate {$35.00} overdraft fees for transactions from the same insurer ( XXXX XXXX XXXX. Additionally, please note although requested BOA would NOT provide me with details particular to the deductions such as the time received/paid. 

The next morning XX/XX/2020, when I logged on and noticed the issue with that particular account, I transferred money that was in another account to bring it current and then contacted BOA. 

I expressed the following concerns : 1. I had received NO notification of the overdraft ( although historically, text messages were sent ) 2. Had the text message been sent as was historical practice ... no time between notification and placing the appropriate money in the account would have passed. 
3. The date I agreed and have had the deductions made from my account beyond a holiday was the XXXX NOT the XXXX. Payment should have been rendered on the appropriate day- NOT A DAY EARLY -- and the cash would have been in the account. 
4. I requested the time and date for deduction XXXX XXXX was received and paid. I was told by Manager XXXX XXXX that BOA does not collect or maintain that information. 
After discussing the above I requested that the two over draft amounts ( total {$70.00} ) be returned to my account. 

Despite escalation to Supervisor XXXX XXXX and then her Manager XXXX XXXX I was told that they would return one overdraft of {$35.00} and that I should be grateful for that. I voiced my objection and asked that the matter be escalated -- according to XXXX XXXX none of the 3 upper managers were available but I would receive a call from " someone '' within the hour. 

Now several hours later BOA has yet to respond to my complaint or return the funds in total ( additional {$35.00} ) that was taken from my account. 

I am asking for an investigation as I am sure that other " small amount '' BOA bank users along with myself continue to suffer the inappropriate removal of funds from accounts. 

The loss to customers such as myself must be in the hundreds of thousands at this point ; and if unchecked this practice will continue.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I realized upon pulling my credit report that Aargon Collection Agency reported {$430.00} as an overdue electric bill from XXXX on XXXX XX/XX/XXXX. I have never received a bill or notification prior to seeing this on my credit report. I filed a dispute with XXXX   and after two days received an email that my dispute was resolved. When I checked the report it only noted that account had been updated. No information was provided by Aargon, but they are still reporting it as a collections account. I called Aargon and made it clear that I do not owe this debt and after still trying to get me to pay it just to get if off my report I was told by the agent that they had no proof of ownership of the account, but they could request it. The Aargon agent also stated that its unlikely anything will change as we are just two people working against the XXXX XXXX XXXX. At this point, I feel that a company was allowed to add something to my report without any proof the account even belonged to me and there is no reasonable checks and balance in place by XXXX  that allows for me to contest the account. XXXX  only offers the ability to challenge if again with additional documentation since the account isnt mine, I dont have additional documentation. I need help with this please! It is impacting my security clearance as a military member.

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 2020-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Navient has denied my requests in the past to lower my payment to a manageable amount. They instead continue to request a deferment versus assisting me with this matter. I also applied for the Public Servant Forgiveness Program, in which Navient failed to act. I am a public servant and have been for 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
My mortgage payment is about {$1100.00} a month. I made a payment in XXXX of {$1700.00} with intention of extra money to go toward the principal balance, the Dovenmuehle Mortgage company applied extra money to the escrow account instead of principal balance. They did it on their own with out my consent. This is not a first time they are not providing proper service on XX/XX/2020 I have made an extra payment in the amount of {$600.00} and company held a payment in the air until XX/XX/2020. I found out that they hold the payment in the air on XX/XX/2020 about this issue and it took several more calls for me in order for them to apply the money to there it is suppose to be applied. So my loan was accumulating interest all this time. Now it is a second time the money was not applied the way intended. It seems that this mortgage company uses people 's money as they please, and money they receive do not go to there people expect to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.

Company response to consumer: Closed with non-monetary relief