vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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 HOLDINGS USA, INC.
State: FL

Complaint narrative:
Per the settlement law suit against Santander Consumer USA. I fall under the criteria of having my loan forgiven, and or remove the negative information from my credit report. on XX/XX/XXXX I contacted Santander about the class action settlement and I was told I needed to call the company that Santander Consumer USA sold the loan to. This is incorrect information as it cleary states on their website that this is from a certain period in time if you got your loan between XX/XX/XXXX and XX/XX/XXXX ; and Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver. As of today 's date I have not heard or received anything in regards to that, which I fall under that category to have the charge off removed from my credit report. I have attached documents to show when I purchased the loan and when it was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
Due to a financial hardship ranging from early XXXX to XXXX, I fell behind on my mortgage payments. I worked with the mortgage company and they gave us a new payment amount. We signed a contract and took all the steps required. Even started making payments. But then the mortgage company said that we couldnt have that payment anymore and stopped excepting payments. We have been struggling to get them to communicate with us and they put our house in foreclosure.Im in the process of resolving that with them getting a new payment contract setup, but they keep telling me they cant find the documents I sent in. Multiple times.had to restart repeatedly and all the while falling deeper in debt, even though I can make the payments now. It seems they are purposely trying to take our house.

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 2023-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have contacted Navient numerous times. I went to XXXX XXXX XXXX XXXX XXXX Indiana. I graduated in XX/XX/2007. My interest rate is now 15.5 %. I filed bankruptcy on this loan. They stopped pursuing collections for over 2 years then came back with capitalized interest from during the bankruptcy process. I have paid over $ XXXX for a loan that started out as $ XXXX. This debt was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
AAvantage Barclays, I paid off this card to improve my credit standing whichic I have. I paid off {$1700.00} on XX/XX/2023 in full. I spke to an agent who assured me that all is okay and I satisfied my amount of {$1700.00}. Now comes a bill in todays mail stating that I owe {$7.00} for interest charged. When I called today to resolve this situation a representative hung up on me. I could have very easily paid this amount to resolve this isse, however it is 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 monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My home burned down. I called for the pay off amount, spoke with someone, and sent that amount to rocket mortgage from XXXX XXXX. Someone called and stated that my home insurance needed to be updated. I explained to them that the house had burned down and that I'd already sent in the mortgage payoff amount. I got an email from them that it was sent to claims processing and a claim rep would be in touch with me soon (? ). I requested a telephone call with the representative they set me up with but we kept missing each other and were conversing via email. I had some questions and was directed to reach out to a different number. I did and the process and what was happening was explained to me. The claims representative had previously sent me a check for XXXX. They explained that that was to help me rebuild my house and that as progress continued I would need to send additional documentation. Also, that I needed to continue to make monthly payments because the check had been sent to my restricted escrow account. I thought I was good and had a handle on understanding the process. I then get an email from them that my insurance has expired and I need to upload an update so they won't add their hazard insurance. What are they insuring???!!! As a mortgage company they have been exceptional, and even in trying to assist me in getting funds to rebuild my house they are really helpful. Communication is terrible though. Maybe if I write this down someone will notate my account appropriately and contact me about what next steps going forward are and make sure that all departments are moving in the same direction. I've called and spoken with several people but still there seems to be a disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
In response to complaint XXXX ARS is still participating is 18 U.S. Code 1028A ( 1 ) -1 ) which says Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years along with violations such as 15 U.S. Code 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt stating they will continue to furnish a debt that I have not validated as true or valid. ARS has provided that they have validated a debt that can only be validated by the Alleged Original Creditor which is Myself, XXXX XXXX because I Allegedly Created the debt when I allegedly went for emergent services that is shown in the document attached below, furthermore not only have they admitted to violating these laws they have not complied with my request for copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. ARS requested I get the signature by Contacting whomever they believed was the original creditor because they can not provide such things which means ARS is illegally furnishing debt and validating debt without circumstantial evidence such as The DEBTORS WET SIGNATURE. As a result of the continued neglect to follow law that prohibits such acts, the XXXX XXXX XXXX XXXX XXXX is to be DELETED as of XX/XX/2023 or ARS will be need in CIVIL COURT FOR THESE VIOLATIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi Rewards card that gives 2 % back. Starting in XXXX I have been unable to redeem these rewards. This is something that used to be very easy to do online. I have had many chat sessions and phone calls and the reps are also unable to redeem my points. They keep saying that it is a computer issue and that they are working to fix 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 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I have been approved for the Florida Homeowners Assistance Fund program in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was told my payment was sent to Cross Country Mortgage on XX/XX/XXXX. I called Cross Country Mortgage today XX/XX/XXXX to inquire about the FHAF payment and was told that they had not received it. In XXXX the payment was posted to my account with Cross Country on XX/XX/XXXX and XXXX payment was posted on XX/XX/XXXX. If they received my payment from XXXX, then the payment needs to be applied before my grace period ending date of the XXXX. I do not want to be charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There were issues with my automatic payment that I wasn't aware of because I'm in the XXXX and we were out to sea during that time. The issues were resolved, and the account was paid up. I've been a loyal paying customer for nearly two years without any missed payments.

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 2023-03-16 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: WA

Complaint narrative:
There were issues with my automatic payment that I wasn't aware of because I'm in the XXXX and we were out to sea during that time. The issues were resolved, and the account was paid up. I've been a loyal paying customer for nearly two years without any missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NC

Complaint narrative:
I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my address.

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 2023-03-16 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: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a late payment reporting from XXXX credit card reporting late on XX/XX/22 I was never late and I contacted company and there response was accountant was never late

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
It is showing in my credit report that Im delinquent on a home which I signed over to my ex years ago. It is no longer in my name and hasnt been for years.Since 2006. I would like this deleted off my account. It is over XXXX. I sent a letter to the company.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I decided to freeze my credit in the 3 major credit bureaus, Experian being one of them. Since then, I have received multiple marketing emails under the guise of " changes to my account. '' Thus, I am unable to unsubscribe from these so-called " changes to my account. '' Examples of the contents of the emails I have been receiving include the following messages : - " Don't just check your FICO Score*. Boost it! Now with Experian Boost, your FICO Score can benefit from the bills you already pay but haven't been getting credit for. '' - " Your Experian financial profile is ready, [ My name ]. As part of your membership, weve prepared your unique Experian financial profile to give you a snapshot of where you stand. Its now ready for you to see. '' Both of these emails have the following phrasing at the bottom of the emails : " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorksSM Basic emails in the past, dont worryyou no longer receive newsletters or special offers. '' BUT THESE ARE VERY CLEARLY MARKETING EMAILS. Experian is just trying to snake their way around having to offer users unsubscribe buttons while very evidently violating CANSPAM regulations. 

Here are also several posts complaining of the same issue : XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please feel free to call me via the number provided or send an email address to the email I provided if you would like for me to forward these atrocious emails to you for evidence. 

To fix this problem is to stop sending me this garbage.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: FL

Complaint narrative:
I filed several disputes to Equifax on XX/XX/XXXX. XX/XX/XXXX I received a letter regarding my disputes. The disputes state that all disputed items are accurate. However, that is not the case at all. The disputes are not accurate in the least. The dispute response 's do not include account numbers or names of each item disputed for each dispute. I made sure to include every account I was disputing. Equifax has failed to provide each account number per each dispute. I have the right to know what account is not accurate and Equifax failed to do so. I am wanting a resolution to this, and also I want to any inaccurate items removed from my credit report. All accounts disputed came back with the same dispute response as well, and I quote " INQURIES ARE FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. This information is false. I submitted 45 disputes. All 45 disputes were NOT all hard inquiries. The disputes are also related to other accounts which are NOT inquiries. I demand the removal of all hard inquires and a detailed response from all furnishers in regards to these inquires. Furthermore, I request that all hard inquires be re-investigated if not delated due to the fact that the inquires were made on the same day without my knowledge of multiple inquires of my credit from various companies. When I submitted my applications I specifically requested that my credit not be ran more than once and only to one creditor. apparently, my request was ignored, and now I face issues with my credit score. Again, I demand all hard inquires be deleted, and I want a detailed letter of how these inquires are justified and fair

Company response to consumer: Closed with explanation