vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We have received a NOD from Loan servicing. For years I Have communicated with them to give me an affordable modification payment but their demands were more than we can afford. Most times, when I plead with them for an affordable payment structure or modification, they would only offer me a short sale payoff option. 

We built our home in XXXX and raised our three children in this home. Due to COVID, our self-employed business became bankrupt. Unemployment was not enough to cover our first mortgage so we were on a forbearance plan until XX/XX/XXXX. Now we are up to date with the 1st mortgage but the second by SLS refused to give us an affordable payment and threaten to foreclose on our home. 

SLS refused to give me a modification when I contacted them in XX/XX/XXXX to get a worked modification. XXXX ID XXXX, my ( appointed relationship manager ) said, I MUST GO TO HUD FOR ASSISTANCE, as SLS can not help me. They also send mail stating that I should contact HUD for assistance. 

I did contact XXXX ( HUD program ) and submitted all required documents for modification. Five days later, SLS rejected the modification. XXXX XXXX told XXXX that SLS would only accept the offered settlement they sent in XX/XX/XXXX ( see attachments ) their demands are beyond our ability as their increased interest rates have accumulated to over {$210000.00}. 

The original loan is {$180000.00} with ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX the real-estate market crashed and we lost our jobs and investments In XXXX, we were able to get a modification with adjustable rate SLS became the new servicer in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: WI

Complaint narrative:
The account is no longer active and has a balance of XXXX dollars. i've contacted the company about removing it from my consumer report because its showing negative, which is a defamation of character, and there is no debt validated. JJ Marshal is violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', 15 USC 1681b ( a ) ( 2 ), not having a permissible purpose nor did the have written instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; EQFX CDN Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX.CT Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Submitted a 609 requesting verification of a debt that is not my account with Experian and XXXX. Both agencies failed to verify the debt and in return the collection agency mailed me a fraudulent statement with an incorrect name, address and dates that can clearly be proven to be incorrect. I have disputed this account several times with no success of the account being properly verified, validated and/or deleted from my credit report. Both agencies continue to state that the debt has been " updated '' and that " account is disputed, consumer disagrees ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX my vehicle was robbed. My wallet was stolen including my Id and debit cards to TCF BANK. That very weekend the bank was merging to Huntington bank. I called immediately to TCF and reported cards stolen and wanted everything frozen including business checking and savings account. Somehow within the merge between the two bank the locks did not fully lock my accounts. The thief used my Id and went into multiple banks in XXXX XXXX, IL and XXXX XXXX, IL and took out large withdrawals and cashed fraudulent stolen checks made payable to me. They apparently went through a drive through and cashed a XXXX $ dollar check ( through a drive through ) made payable to me, which I wasnt even aware you were able to take that kind of money out through a drive through. Then 5 minutes later the thief went in same bank and took out XXXX $ cash with-drawl with the same teller. I was told they then went to another bank and cashed XXXX $ fraudulent check. Totaling XXXX . I reported the cash withdrawl immediately on Thursday XX/XX/XXXX when I seen it ( because that was only transaction that showed up on my account since the checks had not cleared yet ) and was in shock how all this could happen when my accounts were supposed to be flagged and locked. When I went into the branch in XXXX IL and they started looking into it, this is when they found out about the fraudulent checks cashed as well. The workers at Huntington bank in XXXX, IL assured me my money would be refunded and they would take care of it. Fast forward 3 1/2 weeks later and they still have no answers for me and still have not refunded my money. They have left me at a dead end and when you try and call corporate no one gets back to you. I feel as though Huntington is not trying there best to help me and refund my money. They just let someone come in to multiple branches and take money out my account and did not verify good enough that this person was indeed me. Also there security within the merge was obviously not planned out well enough, that Huntington Bank even claims they have no access to notes or things that TCF did on my account! How is this even possible when they merged over? They should have access to everything. Very very unprofessional. When people are supposed to feel safe and secure keeping money at the bank, they make you feel the complete opposite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
XX/XX/2021 : XXXX XXXX. I tried to purchase a air ticket through XXXX XXXX. But I received an email saying my payment did not go through. I used my newly opened Citi Credit card and a gift card received through employer. 
Credit card charge was {$2300.00} and Gift card was {$250.00}. Upon calling XXXX XXXX, the first person told me, there was an issue with the gift card and the CREDIT card transaction went through. She matched the gift card and pin and said I entered all the information Correctly. She said the other transaction will fall off on its own and she is going to retry charging the credit card which was obviously denied because i already had a pending charge of {$2300.00}. Upon trying multiple times to resolve it with XXXX XXXX saying i have a bad credit card. 

My credit card has a {$4000.00} limit. I called Citi to confirm that the first transaction went through and which is why the subsequent transactions were getting denied. Without being able to resolve it, and after at least 4-5 hours on phone call, i asked them to cancel the ticket and hoped that the transaction would fall off. 

Today is XX/XX/XXXX and I still have the pending charge of {$2300.00}. In the meantime, i tried calling both the merchant ( XXXX XXXX ) and CIti ( the credit card company ). They both blame each other and say we can not do anything. You have to wait 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I voluntarily turned in the vehicle couple years ago, I do not recall the exact date, I believe it was XXXX or XX/XX/XXXX. They sold the vehicle and sent me letter stating that I still owed $ XXXX, I do not recall exact amount however they did not supply accurate information to solidify the balance they said I owe. The account was charged off, however Ally continued to report negative status to all 3 credit bureaus which in turn has crippled me from being able to purchase a home. I've been renting and being faced with the owners either going through foreclosure or deciding to sale. Leaving me to have to figure out a new place to stay in a short amount of time. I really need to purchase a home and this item on my credit is causing lenders to steer away from approving a mortgage because of XXXX XXXX XXXX XXXX XXXX. When I tried calling Ally to request that they keep it as a Charge Off and not currently report a balance with a current date, as the lender requested I do. Ally just sent me to a collection agency.

A few months ago, I received a class action law suite notice that I'm affected by due to Ally sending improper notices to the consumers with inaccurate information. One of the Settlement Benefits is Credit Bureau Reporting. Ally will request within 120 days from final judgement that the three nationwide consumer reporting companies ( XXXX, XXXX, XXXX ) " delete trade-line information on my ( the consumers ) credit report related to my activity with Ally this is the subject of this case. '' The final judgment was on XX/XX/XXXX. The 120 days verbiage is at the bottom of page 15 on the Settlement Agreement document.

I am requesting that they submit the deletion trade-line information on my 3 credit reports now oppose to processing my on the 120th day since the court order ( judgement ) specifically says " within '' 120 days after the effective date. I can attach a copy of the Class Action Notice, Settlement Agreement, and Final Judgement. Also, this information is listed on : XXXX. 

The attached documents do not have my personal information on it. If that is needed in order for them to find me, I am willing to provide information needed to resolve this problem as soon as possible. 

Thank you

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 2021-11-03 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: NY

Complaint narrative:
XX/XX/2021 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: C/C Financial
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really assured that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting incorrect information on PREFERRED LEASE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I just checked my credit and noticed a closed account for Neiman Marcus and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with NEIMAN MARCUS. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am now an account holder at PNC Bank as a result of their recent acquisition of the U.S. operations of BBVA Bank. Shockingly, PNC is not making digital access available for past statements before XXXX of 2021. While a customer of BBVA was told that should I elect to forgo paper statements that I would have access to 7 years of past statements. This remained true until XX/XX/2021, when the transition to PNC occurred. Current PNC customers are also told that should they elect to forgo paper statements that they will have access to digital copies for 5 years, however, those of us who have been merged into the system are only being given access to 3 months of historical data! I have requested of PNC that I be given copies ( digital or paper, their choice ) and I have been told that I will have to pay for these copies ( {$10.00} per statement X 81 months for a total of {$810.00} U.S. Dollars! ) This is for data that was readily available to BBVA customers at no charge before XX/XX/2021. I have explained that without this documentation that it will put both business and personal account holders in an untenable position should they be required to document their past banking transactions ( examples include IRS, state and local revenue departments, and insurance providers ) in the future. 

On XX/XX/2021 I received an email from PNC/BBVA stating the following : " Plan ahead for your banking needs over conversion weekend. Beginning at XXXX XXXX. CT on Friday, XX/XX/XXXX, BBVA USA Online and Mobile Banking will be available in view only mode. You will be able to see a point-in-time view of your account balances and history, but you will not be able to perform any online transactions. Additionally, credit cards and lines of credit will not be visible. '' Clearly, this is a complete misrepresentation of the current reality as the BBVA website was taken down on XX/XX/XXXX and customers were forced to migrate immediately to the PNC website. ( The inability to make withdrawals and deposits was to be expected, but the removal of the ability to see historic data is unacceptable ). Again there are only 3 months of BBVA statements currently available on the PNC website. 

PNC needs to correct this issue immediately, and these banks who desire to buy other banks must be held accountable to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
My home mortgage was bought by Amerihome Mortgage. I set up auto pay with them. My mortgage agreement clearly stated NO escrow account for taxes and insurance as I personally review/pay these annually. Amerihome mortgage began, without my permission, have for the last three months added an additional {$1100.00} to the auto payment. I have contacted them 3 times and spoken to three different people. There customer service is a call center and can only write work orders, are unable themselves to escalate the issue and can not give me a name or number to directly talk to Amerihome Mortgage. The work orders just seem to be ignored. At the moment I have no way to resolve this issue and be reimbursed the extra money they have withdrawn from my account. In addition I wonder how many others have had this problem. The extra money they are holding could, if they were doing this to lots of people, could be a substantial benefit to them. Just not sure where to turn now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with ALLY FINANCIAL XXXX Balance -. I have always made my payments on time yet there was a 60-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2021-11-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my Santander Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by Santander and they said the lease payment was past due, however I the representative from Santander told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with Santander and the credit bureaus but no one seems able to help me. The Santander Consumer USA car loan has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the incorrect on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, The Equifax Credit Bureau 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 is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation