vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: TN

Complaint narrative:
Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a new car XXXX  account # XXXX XXXX. Just before the pandemic, I payed them on time every month and never missed a payment. I lost my job and used my savings account to pay my debts. I called them in more than 4 occasions to negotiate the terms and they said no. 
When I had a health problem I called them again and they make the notations an still no one listened. I When to different banks to refinance they all told me the car is XXXX down.. I called them to dispute the payment and went back to the dealership and they tried to put me in another car with higher price. So I told them I a returning the car volunteerly now they want me to pay them {$13000.00} that I don't have the already mess up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/21 company 's mishandling of my data created locked account & failure to connect me to ANY telephone agent for account closure in fraudulent attempt to generate future inactivity fees to card ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
It appears that my mortgage company Select Portfolio Servicing , Inc is trying to make more money by foreclosing on my property than modifying it. They fail to include how many months can be deferred with me being less than 12 months behind. They are not considering a global pandemic is the main reason for my hardship. I lost employment, got sick afterwards and had an XXXX  done, and last but not least my husband XXXX XXXX XXXX divorced me right after the XXXX. This time I am getting back to walking and trying to do things for myself all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently deposited two checks from the same company into my Chase checking account. The checks were both from a company that Chase partners with to handle retirement/401k accounts. Upon depositing the checks ( which were both for small amounts ) the bill XXXX smaller one was immediately available and the other one was placed on hold for 10 days which they claim will be available tomorrow and they didnt make half of the check available which is what usually happens when check are held. However two payments came out of my account and I was charged two NSFs of {$34.00} for not having the funds when I in fact do but Chase will not make them available. I feel like this company is trying to rob me, the consumer, with unfair banking practices. My account also shows that I have a balance even though they are holding my funds for no reason. Also they are violating 15 USC 1602 ( p ) by having unauthorized use of my credit and issuing me a debit card to which I receive no benefit, I am not even able to access my own money. I tried to handle this issue with Chase and all I was told was how to avoid overdraft fees when I already know plus I have overdraft protection turned off so things should not come out of my account if there are no funds anyway. They also referred me to look at funds availability which does not explain why they have to hold a check for a small amount for so long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MA

Complaint narrative:
BBVA USA was merged with PNC Bank. All BBVA customers received welcome packets stating that the transition period would be the weekend of XX/XX/XXXX until the XXXX. During that weekend it was told to customers that funds would be accessible no matter what. From the very start of the weekend, customers funds were locked and no access was granted during this period. When called upon, BBVA stated that because there was a merger, customers would need to contact PNC. when contacted, PNC stated that those customers were not in their system and to contact BBVA. This back and forth went on the entire weekend. PNC 's other option was for everyone to just wait it out until Tuesday. Not everyone was able to do that. Some folks needs to get their medications or gas or food and had no access and no help from either company. At one point, BBVA stopped answering calls and basically shut their phone system done due to the influx in volume of complaints. This was also confirmed by PNC who stood on recorded lines and were disconnected themselves. PNC also had representatives been extremely dismissive and downright rude and obnoxious towards the customers who were experiencing this hardship. When confronted about what would be done, PNC just basically shrugged their shoulders and said, " We'll note it and let someone know your issues. '' That meant to customers, we don't matter nor do the company not care about the extremely negative first impressions they gave out and seem to not be bothered by the fact tons and tons of customers incurred fees because of THEIR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Mortgage lender, Santander, has suspiciously misapplied my XXXX and XXXX mortgage payments to an account unknown to me, therein causing a delinquency, additional charges/fees, harrassing phone calls and credit reporting that has negatively affected other facets of my life, health and credit. XXXX amount {$1100.00}. XXXX amount {$1100.00} Actions taken by me : since XX/XX/2021 when this error became known to me, I have had telephone communication with Santander mortgage company employees who confirmed the error and that they would correct it, but did not. In person meeting with Santander bank manager again confirmed the error, saying that its just one number off ( which is also incorrect ), but that she is unable to make the correction. I asked to communicate directly with Santander Mortgage Division and was told that was only possible if I actually visited the facility located in XXXX PA. Another in person visit, the Santander Bank Manager directed me to a different individual, a mortgage officer, who also said he was unable to help me but would sell me a new mortgage. This mortgage officer said that he would pass this information on to someone else in the mortgage division. To date, this bank error continues with no correction to my account or restitution for the financial and emotional affects on my life. I'm now looking to legal counsel for a resolution.

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 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX I notice on my credit report that this company was reporting I owe them a debt. I reached out to the company on multiple occasions to verify the debt and explain to me what methods they have used to verify such. They have yet to send any of the information I requested and continue to report this Information to the CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
PLEASE REMOVE 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft FM/CITIZEN Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed this company is reporting to the CRA that I owe them a debt. I reached out to the company on various occasions for validation of such to which they have yet to provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
I have been receiving harassing calls from North American Credit Services for a debt that is not mine nor do I know the person they are calling for which I have explained many times to many different employees of the company. They are wanting to speak to a XXXX XXXX ( XXXX reference number ) and these calls have been ongoing for a period of 2+ yrs now almost monthly or bi-monthly. I have this phone number for about 4 years now and don't know or have any connection to a XXXX XXXX. I have called North American Credit Services back and spoke to a supervisor ( XXXX XXXX @ ext # XXXX ) who apologized and assured me she would remove my number from their system but I continue to receive these calls constantly. I explained several times they have the wrong phone number and after receiving messages from them I have contacted them back and explained there is no XXXX XXXX connected to our phone number!! I need to know how to get this company to stop harassing me for something that is totally unrelated to me. Our number is a landline ( we don't use any cell phones ) and I don't want to change our number and begin remembering a new number. Your help would be greatly appreciated. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX My son asked me to cosign on an auto loan. We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and signed the paperwork Myself the cosigner and my son the primary borrower. As seen on documents provided by Capitol one XXXX XXXX XXXX XXXX XXXX TX XXXX. Within a week the loan appeared on my Capitol One account showing me as the primary borrower. This was not what we agreed and signed. The dealer was well aware that I was only the cosigner. When I noticed the mistake I contacted the dealer and thy assured me that it would be taken care of. After nothing was addressed I called Cap one and was told that there was an error and it would be fixed.. This went on over and over a 2 month period. Then Cap one put the blame back on the dealer and the prof that was sent, inc documents proves that Cap one was to blame, probably to make a profit. For the past year I have been working with the XXXX  to try and right this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Our mortgage is very delinquent. My husband got even further behind during my incarceration. I began incarceration on XX/XX/XXXX and just returned home on XX/XX/XXXX. I am now working two jobs and we will be able to comply with the mortgage payments going forward. The loan modification that my husband applied for while I was incarcerated was recently denied. I advised that my income was not included in the evaluation. I submitted an appeal and provided proof of income for both of my jobs. I seek to obtain a loan modification and not loose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
We are in Loss mitigation with our lender, XXXX XXXX XXXX. XXXX sent our file to Dovenmuehle mortgage to handle the loss mitigation. 

Dovenmuehle hired a real estate broker far from our suburban XXXX market to do an appraisal, or BPO... Broker 's Personal Opinion. It was a drive-by photograph and some equally far away sales comps that valued our 24 year-old house at {$960000.00}. They refused to do an interior inspection which we requested 3 times. They or some related agency blocked the same appraisal broker from doing the interior inspection after we specifically hired him, stating ( incredibly ) that he could not be objective. 

We then hired a XXXX veteran broker from our own town to do a full inspection, inside and out. His BPO was between {$740000.00} and {$780000.00}. Four recent sales comps that were mysteriously missing in the Dovenmuehle BPO, showed up on our local Brokers BPO, the average of which is {$730000.00}. 

Next, we sent 34 color photos of deficiencies identified by our Broker 's BPO. There has been no response from Dovenmuehle. 

There have been 448 recent customer complaints about Dovenmuehle Mortgage. We don't want to be their next victim, we just want a loan modification based on the true value of our home. 

It is clear to us that we are being mistreated and taken advantage by Dovenmuehle as the mortgage balance is very close to {$960000.00}. 

DOCUMENTS : We can provide all written communication and photos on this matter at your request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have 20 years of perfect credit history this one account with PNC was a couple months late due to covid and my being on unemployment it was negotiated and paid in full and I believe the federal government protects consumers against this negative credit reporting during covid and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
After applying for and getting denied for an apartment, I received a copy of my most recent credit report. I noticed there were items on there that were not mine and I believe are a result of identity theft.

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 2021-10-13 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: NJ

Complaint narrative:
After applying for and getting denied for an apartment, I received a copy of my most recent credit report. I noticed there were items on there that were not mine and I believe are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a copy of my credit report and noticed the company in question reporting to the CRAs that I owe them a debt. I have tried on several occasions that they verify the information as accurate and send me the method of validations. They have yet to abide by my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 HAVE SEVERAL INQUIRIES THAT ARE FRAUDULENT ON MY ACCOUNT. THEY DO NOT BELONG TO ME AND THEY ARE STOPPING MY ABILITY TO OBTAIN CREDIT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : CA XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry

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