vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from 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 2020-02-24 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from 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 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Good Morning I had this problem last year and it was resolved, however I am having the same issues this year and I am trying to find a permanent resolution to this problem. 

My income tax check of {$6000.00} is being offset unlawfully. I have received no notification of money owed. I complete the public loan forgiveness forms annually, and last year when my taxes were offset. I called and the error was fixed and I received my money back. 

This time around I called the US Department of Education to find out what is going on. I was told I owe {$45000.00} ( impossible ) I asked when documentation was sent out in this regard. I also asked why my records don't reflect this balance. I encountered a rude customer service rep that wasn't helpful at all. 

To my understanding funds will be released wednesday so there is still time to correct this error. I need someone to please contact me so that we can get this straightened out as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/2015 I was granted a loan modification with wells fargo. I just found out 5 years later after attempted to refinanced that wells fargo had a place a second morgage bu placing a partial payment lien with HUD without ever discussing this with me and solicited my signature on the document. Wells Fargo has extended my terms twice, increase my interest rate from 4.1 to 4.75 %, and my payment by {$400.00} and still place a excessive charge of {$110000.00} in back payment, interest and fees, this is preditorial and has taken me upside down in my home. I need help with my dispute with wells fargo please.

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
We received a letter in the mail for {$5700.00} that we do not understand from Quantum Collections. We called and asked if we could get a breakdown on why we had such a bill, the gentleman on the other end agreed and said that he also has requested this from the property management office and assured us that he will be sending that breakdown out to us within the next 7 days. He also agreed that it was important that this information be visible before any action can be taken. 
Alarmingly, this amount has appeared on our ( myself and wife ) credit report with out any clarity on what constitutes this bill. 

At this time we are forced to believe that this bill is falsified and an attempt to extort us ( because he offered us a 50 % one time deal ) knowing fully well that we are immigrants.

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 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Car was paid off late XXXX/early part of XX/XX/2019 and company refuses to release lien. Multiple visits to DMV have been made in vain and multiple calls to Santander have been made in attempt to get them to release the lien. Santander keeps giving me the run around saying they have sent me a document sufficient for the DMV to release lien their lien and the DMA has advised more then once that Santander has to release the lien on their side. Do to Santander not releasing lien on vehicle on a timely manner they cause me to be in a financial bind regarding my bills. Car was to be sold but multiple deals have fallen through because a Santander has refused to release lien. I cant sale a car without a CLEAR TITLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
About 4 months ago I put my house up for sell I've owned for 20 years, and my title and escrow company advised me ( when I had a buyer, who backed out by the way ) that that creditor and/or it's 3rd party lawyer group by the name " XXXX XXXX '' has a lien on my property and their demand is for XXXX dollars! This can't be legal and they have cost me several buyers to come and go, not to mention putting me now into foreclosure, two modification processes through mortgage company, stress and severe hardship, and more! All the while before all of this I attempted contact just to try and verify or correct any wrong information about this creditor and they have ignored me completely making it impossible to remove the lien and continue with what has been a very important attempt to sell my property for personal and financial reasons! I had also contacted " American General Financial '' a lender that 14 years ago, I had a loan of only XXXX with XXXX down on a tou hauler and 9 out of the 12 months of payments. I voluntarily repoed a toy hauler to after having for only one year and they auctioned off a month or so later and sent a letter saying so and the auction price was for an additional XXXX on top of what I had paid. So by XXXX they said they had no record of me whatsoever, and also their name had changed and was no longer American General Finance. So this bogus lien, and an amount I've never borrowed is completely wrong and insane! So of course there was no way I could help myself finacially or benefit with an amount like XXXX ( as far as I was lead to believe anyway ) coming out of my potential equity of sell. This has to be illegal and I hope to hear that I can sue them for the insane hardship, financial burden, loss, major stress, etc they have and are still are putting me through! 
I will send Title company info below etc. Please help!? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been repeatedly trying since XX/XX/XXXX to get an answer from NewRez on my mortgage interest with no luck. They simply do not respond to my question.

I would like to know how the mortgage interest paid on my account INCREASED from XX/XX/XXXX to XX/XX/XXXX when : - NewRez serviced my loans for the full year both years - It is a fixed rate loan - The principal decreased Details ( reported on my 1098s ) are as follows In XX/XX/XXXX the outstanding mortgage balance was {$350000.00}, but the mortgage interest paid was {$13000.00} In XX/XX/XXXX the outstanding mortgage balance was {$340000.00} ( decrease ), but the mortgage interest paid was {$14000.00} ( higher )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra Recovery Services Inc. has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with XXXX XXXX XXXX for them violating my rights and withdrawing funds out of my Checking account without my authorization. 
Ad Astra Recovery Services Inc. told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt.

Ad Astra Recovery Services Inc. lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at Ad Astra Recovery Services Inc. I fist spoke with XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/XXXX. 
Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX AD ASTRA XXXX KS XXXX CARD XXXX {$2400.00} I would like Ad Astra Recovery Services Inc. 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}

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 2020-02-24 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: AR

Complaint narrative:
My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}

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 2020-02-24 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
I applied for a personal loan on US Bank website. It was unsuccessful because it said there's no branch near me. 

However, ever since my unsuccessful application, US Bank has sent me soliciting email, one per day, every day. Please ask them to stop sending me this email.

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 2020-02-24 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: BBVA FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2019 an order of tires was place with XXXX XXXX  XXXX. They didn't have the tires at the shop and they said it was going to take days to get them. After some research on use tires for Semi Trucks I decided to invest in new tires instead of use ones, for safety issues. I called the shop and the credit card BBV and asked them to cancel the charge. I explained BBVA credit card that we canceled the purchase and we want it to make sure they cancel the charge, because we never got the tires anyway.

The first time customer service said they no problem, the charge was canceled. They never canceled the charge they send payment to the company. I submitted a dispute about the amount {$1900.00} and they never send me any information about that, and until this morning every time I called BBVA credit card to get information about the charge, they place my call on hold and hang up the phone at the end, it has been about 10 calls and every single time they hang up on me, only one time that I was able to talked to a manager he said he was going to work on it and send me a letter, I haven't receive anything and my statement still shows the charge. I can't find a way to resolved this issue and I can't talked to anyone because they disconnect the call every single time I contacted them. I contacted the shop but they don't want to listen to anything they said call the BBV credit card. We only received threats on writing from the Owner. 

Credit Card : BBVA XXXX XXXX XXXX XXXX AL XXXX Customer services XXXX Transaction # XXXX for the amount of {$1900.00} Shop Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech is reporting a open inaccurate mortgage account on my XXXX credit report that is not correct please delete.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Several years ago, I established a personal line of credit and credit card along with the checking account with First Citizens Bank. The LOC is also used for overdraft protection. I was urged by the bank and agreed to allow them to set up both the credit card payment and the LOC payment on autopay through my checking account. The checking account is not my primary checking account. I only set it up because the bank required it in order to give me the credit card and LOC. 

On XX/XX/2020, FCB attempted to execute the payment for one of the accounts and there were not enough funds to cover it. There were also not enough funds in the LOC to cover it. So they charged me a {$36.00} fee. However, there were enough funds in the LOC to cover the fee though so on XX/XX/XXXX they added {$36.00} to my checking from my LOC and took it. Then they charged me an additional {$36.00} fee on XX/XX/XXXX, added {$48.00} from my LOC, and took an additional {$12.00} fee for the service of adding the money from the LOC. This same set of charges and fees happened again on XX/XX/XXXX and XX/XX/XXXX. 

While FCB has all of my accurate contact info, I was not notified by email, text, or phone that any of this was going on. And since it's not my primary account, I didn't discover any of this until today ( XX/XX/XXXX ) when FCB called me because my LOC payment was late. I asked about the fees which total enough to cover the  payment that's due with the argument that if they had reached out to me in any way and I had known what was going on, I could have stopped it from happening and preserved enough funds just from fees to make the payment. I asked them to refund the fees. I was told " this is just the way things work and that they had done nothing wrong so since it's not a bank error, they can't refund the money. '' I've been a good customer and always paid on time. I have multiple business accounts with them also and have never had any problems. The coldness with which I was treated was astounding. Especially given the amount of interest I've paid them over the years and the money they make using my business funds essentially for free since transaction accounts pay virtually no interest to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with Speed Cash XXXX  for them violating my rights and withdrawing funds out of my Checking account without my authorization. 
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
XXXX XXXX XXXX XXXX XXXX lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at XXXX XXXX XXXX XXXX XXXX. I fist spoke with XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/2020.

Expand XX/XX/20 PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX KS XXXX CARD XXXX {$2400.00} I would like XXXX  XXXX XXXX XXXX XXXX 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from 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