vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my 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 2020-02-25 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: Innovis
State: GA

Complaint narrative:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and XXXX   and wells fargo cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. Wells tells me they are reporting and XXXX  tells me they have not. XXXX  even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.

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 2020-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan Care failed to make XX/XX/XXXX-XX/XX/XXXX property tax payment for {$1000.00}. Im in the process of selling my home and escrow discovered that the payment was in default. I called on XX/XX/XXXX and spoke with a customer service rep that was working with another department to resolve. He said I would receive an email from them within 1-2 hours with a resolution. I never received the email. On XX/XX/XXXX, I called back in to resolve and they said they didnt have any record of another department working on it and that the burden of proof was on me. I explain that the tax information is public and there was obviously a discrepancy in what I was being told today vs yesterday. I asked for a supervisor and the supervisor hung up on me. Now, I have called back in to try and resolve for the 3rd time and have been place on hold without ever being able to get in touch with anyone. I believe its likely my account has a notation on it that when read they stop helping me. My concern is I have been paying into an impound account and they have not fulfilled their obligation to properly service my loan by making the appropriate payment to the county for property taxes. This is very concerning. When logged in online the history of the escrow account does not go back for me to research on my own. After looking at reviews online, I see many other customers experiencing the same thing without resolution. Considering that as a home owner we dont have a choice in our loan services especially if our lender sells the loan. We are forced to do business with an unethical company like loan care and there should be better oversight from the CFPB to prevent this from happening. I would normally say this is my fault for choosing to do business with them, but I dont have a choice.

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 2020-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX i logged into my paypal acct ; although the payment screen on my mobile phone and desktop said " next auto pay '' XX/XX/XXXX - no payment came out - i have a screen shot of the desktop showing the issue. It would not allow me to screen capture on my mobile device. 
When I called to point out the problem - they stated i changed the autopay and it takes 30 days to get into the system. 
However their website site should not reflect XX/XX/XXXX if it was within 30 days - it should have reflected XX/XX/XXXX. 
Additionally, when I asked to speak to a manager they put me on hold and never got back to me or let me know how long it would be. As I am at work I had to drop @ 22 minutes 46 seconds. 
Because the payment is a day late, it will now affect the special financing of 6 months. 

So, I find it extremely deceptive that their payment Auot-payment screens dont reflect real time reality.

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 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
After going through a bankruptcy in XX/XX/XXXX I chose to use capital one to help and repair my credit. Advertising showed they had good cards and auto loan programs for people trying to make a fresh start for themselves. In XX/XX/XXXX I was able to get into a new vehicle with high interest through capital one. XX/XX/XXXX I was able to trade towards a nicer vehicle with much better interest but capital one reported me late for the final payment that was due on XX/XX/XXXX. They also allowed a second loan to be issued on this vehicle before paying off the other. After numerous disputes it still shows a negative mark on my credit. 

In XX/XX/XXXX I opened an unsecured capital one MasterCard with a {$300.00} starting limit. After 5 consecutive on time payments i was automatically increased to {$500.00}. I have maintained perfect payment history and have only paid the minimum for 3 of the 13 payments I have made. 5 payments were complete payoffs also so the balance hasnt always been carried. XX/XX/XXXX I asked for my first increase, 14 months after opening the card. Perfect payment history and recently paid down to 10 % before asking for increase. I was denied and sent a letter stating my average monthly payments were not enough. 

I made several calls to the customer service center and every time was told to just reapply using the automated system. I was also told every time you ask they have a department that looks through your credit report although it states a credit pill will not be used. I asked to speak with a supervisor on two occasions and was granted. First one was unable to answer any questions and was extremely rude. After asking him to cancel my card he closed my entire account. I called back the next day and explained the situation to several different people. Every time they would say, just reapply online, or the app, or I can transfer you to the automated system. Finally the second supervisor spent all this time looking into my account, reading though my private transaction history and making excuses about every question I asked. I asked several times for someone to explain the average monthly payment percentages to me but nobody was able too. I finally asked to speak with a higher up supervisor or manager to file a complaint and she told me that she was the highest one available. I explained I didnt feel comfortable filing an ethics complaint against the person who wanted to take my complaint. She refused to transfer me to another person or to a Human Resources department and finally hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I received a call from a company called XXXX XXXX XXXX XXXX ( XXXX ) alleging that I owed a debt to Santander Consumer USA for a vehicle that I owned and was totaled in 2006. The rep from XXXX XXXX XXXX XXXX ( Ms. XXXX ) threated to garnishee my bank account, sue me and summon me to court. 

I currently own a vehicle financed by Santander Consumer and I called them regarding this issue. Although there was a debt for the totaled vehicle as the insurance company did not pay the full amount, the Santander rep advised that XXXX XXXX XXXX XXXX is NOT the company I should contact. The debt was in the sole custody of XXXX XXXX XXXX which works for Santander. I contacted the company per Santander rep and paid an agreed amount not paid by the insurance company for the totaled vehicle. 

XXXX XXXX XXXX XXXX continues to call me though they are NOT affiliated with Santander in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: CT

Complaint narrative:
I got a direct deposit and then my account was shut down for no reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 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: LoanCare, LLC
State: MN

Complaint narrative:
My mortgage was purchased by, and transferred to LoanCare on XX/XX/2019. I chose to refinance my mortgage with a different lender before the 60 day grace period was up. I didn't make any payments to LoanCare, since the 60 day grace period would end after the Mortgage was paid in full. On XX/XX/2019, LoanCare reported a Delinquent Account to credit agencies. My loan with them was paid in full on XX/XX/2019. 

I contacted them to ask why they had reported that, they said they didn't know. I asked if they could remove that report, they said they would escalate the complaint and a manager would contact me, I have not been contacted since. This has severely affected my credit rating. I am working on disputing with the credit agencies, but think they should be held accountable for reporting this during the mortgage transfer process, and 60 day grace period.

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 2020-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received a message from Ms. XXXX stating that I was going to be charged with Theft by deception as well as fraud due to the repossession of a vehicle from approximately 10 years ago. She stated my driver 's license number, my birth date, and gave information on my current vehicle and let me know that because of this I would not be able to renew my registration and my license would be suspended. When I called back I was told they will be serving me papers for court and that this is the last time they will try to contact me even though I have never heard from them before and they refused to send a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had requested citi bank accommodate my XXXX. 
Each time I requested I was hung up on for not articulating whcih product or service I was seeking access to. I was seeking equal access to all goods and services under the ADA. 
Citi refused the interactive good faith process when requested. A supervisor told me the citi bank did not have to state the policy regarding accommodating the XXXX under the ADA. I was not able to be accommodated nor was i able to open any account due to being XXXX. I had sought effective communication under the ADA

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent an updated county and municipal tax bill to Ms. XXXX XXXX as instructed by her to lower my mortgage payment. The property address went to tax appeal. as a result, the house value was reduced to {$210000.00} from {$360000.00}, which greatly reduced the taxes of the property. As of todays date, XX/XX/2020 I have not received a response from Ms. XXXX XXXX. I  then called the corporate office of Community Bank and spoke with the loan department about this issue. The person I spoke with advised that Ms. XXXX XXXX should have sent them the updated tax forms. But, they never received the new tax bill. I asked the loan person that if I were to fax the new tax bill, would it reduce my bi-weekly loan payment. She advised it depends if they were able to do a new escrow alliance. My complaint is that if the new tax bill was sent when I e-mailed it to Ms. XXXX XXXX, I believe the new bi-weekly mortgage payment would be reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing in regards multiple violations that Bank of America has committed against myself. This company is reporting a late payment on my credit report from for XX/XX/2019 on my account # XXXX that occurred due to my email being hacked. ( See Attached proof ). Please see explanation on what happened below : In XX/XX/2019 my XXXX email ( XXXX ). where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 
Again, this was a situation that I could not control. I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

I am demanding Bank of America to remove the late payment from my record. This is an account of {$13000.00} and I also have another card of more than {$13000.00} with Bank of America. 

That been explained, I wan to make sure Bank of America is aware that I am willing to take this to the next level. This is affecting me in a huge way. My levels of stress are really high. I've been really affeected because of this issue! 

Bank of America has also committed multiple violations under the FCRA : They hhave not investigated the account or even mark the account as disputed. If Bank of America denies my request, I am willing to take this to a court so a judge decides what is fair. 

Thank you for your consideration. 

XXXX XXXX See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds

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 monetary relief
Consumer complaint received 2020-02-25 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: ARS National Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2020 ( I sent via uspo mail ),  several 'Debt Validation letters to debt collection agency XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX. requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. 

As of to date XX/XX/2020, the Collection agencies failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. 

- Copies of statements showing how the borrower incurred the debt, including the dates of transactions. 

- A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. 

- A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. 

- The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identification was stolen in XX/XX/XXXX, and Trans union HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, Transition : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense.

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.

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 2020-02-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC
State: CO

Complaint narrative:
On XXXX XXXX, I took a reverse mortgage class and was charged {$120.00}. I was told by Advisors Mortgage Group , LLC that I would be repaid at the closing. I also later found out that I didn't need to take this class since it had not been 5 years since I took the original class. On XX/XX/2019 I paid {$430.00} to have the house appraised.Again, I was told that the money would be repaid back to me at the closing. Then after not hearing back from them until XXXX, I was told that I did not qualify. When I asked about my money being refunded like they had promised, I got no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: GA

Complaint narrative:
I have submitted several disputes and havent received any verifiable proof. Equifax only sends back the report stating the accounts has been verified as mines. I have asked Equifax to provide me with their method their utilizing to verify this erroneous information and to provide me documentation with my signature from the original creditor. To this date, Equifax has failed to provide me this information ( if Equifax stating they have verified this information as mines wouldnt you think they would provide me the information I am requesting. I know for a fact their using third parties to verify this information, such as XXXX and this is clearly a violation. I believe Equifax is not conducting a thorough investigation, but is utilizing their E-Oscar system, which is the automated credit dispute verification system which is not a thorough investigation. I also included the updated report Equifax has sent back to me stating the account were verified as mines, which states on the report Bankruptcy was verified through their third-party vendor XXXX ( VIOLATION # 2 ) ( NOT ORIGNAL CREDITOR ). By law according to the FCRA credit  bureaus are to do a thorough investigation and to contact the original creditor. I am requesting Equifax to do a thorough investigation and not utilize there E-Oscar System, PACER, XXXX, and any other third-party there utilizing but to contact the original creditors that is listed on my credit reports and to provide verifiable proof, documentation with my signature from the original creditor and if this information can not be verified correctly according to the FCRA I request these unverifiable accounts be deleted immediately.

Company response to consumer: Closed with explanation