vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XX/XX/2021 I paid PHH mortgage for an Appraisal in the hopes of refinancing my home with PHH Mortgage. The amount paid was {$770.00}. The appraisal took place and was conducted XXXX week later at my home. I received the formal appraisal report in an email around XXXX. Since that time I determined I would like to use a different Lender ( not PHH Mortgage ) to provide my home refinance. I have gone through all the underwriting approvals with the Lender I am going with ( XXXX XXXX XXXX ). The only thing holding up approval on my refinance loan is the Appraisal. I provided PHH mortgage a copy of a simple 1 page Transfer or Release of Appraisal form to Switch the appraisal to my desired lender. After many weeks of no replies, being put on lengthy phone call holds and getting the run around from PHH Mortgage, I was told from them today that they would not transfer the Appraisal? I am not sure what to do here as I personally paid for the Appraisal and the desired Lender ( XXXX XXXX ) has all the needed documents to close my loan other than the appraisal report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/2022 I attempted to transfer funds from my XXXX account to my XXXX XXXX. This is a transaction that I have done multiple times in the past, however, this time it triggered a fraud warning. After trying once more my account was completely locked. I have been unable to withdraw funds, transfer funds, buy stocks, or close my account. I have racked up over {$300.00} in overdraft fees for non-payment of bills that and have also been unable to pay my rent which now leaves me exposed to eviction. All the while I have not heard back from XXXX and have been told that there is no definitive timeframe for resolution. They also continue to ask me for the same information and I provide it every single time which are the PDF bank statements for my accounts ending in XXXX and XXXX. I am being taken advantage of for trying to use my own money and need a resolution to this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX  Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
As of today, we received a letter from the note holder or investor, XXXX XXXX, regarding our loan XXXX stating that as the nominal mortgage owner, XXXXXXXX XXXX does not have the authority to review or approve loan modifications. When we requested a loan modification in XX/XX/XXXX based on a very serious XXXX, which caused us a considerable loss of income, the response from the unscrupulous underwriting at SPS was to extend the maturity date until XX/XX/XXXX, PLUS a balloon payment of {$110000.00} which does not make sense because if the loan was extended the lender would benefit because we would end paying more interests. SPS alleged that the lender did not authorize to match the amortization term and the maturity term and this statement is utterly false because the investor responded to my letter and clearly stated that they did not have anything to do with this abusive proposal. This modification has been reported to the USA Housing Department and is being evaluated. 

The purpose of this complaint is that after all these lies, I requested on XX/XX/XXXX, an analysis of our escrow account. This evaluation is pretty simple and consists in adding all the money deposited since SPS started servicing our loan in XX/XX/XXXX as of XX/XX/XXXX, and subtract the payments made in flood and hazard insurance and property taxes. A simple addition and substraction that I gathered and reflected in a simple spreadsheet that was contradicted by SPS. On a letter dated XX/XX/XXXX SPS stated that we have only paid {$38000.00}. This amount is incorrect, we have paid since XXXX to the escrow account {$40000.00}. There is not way around when talking about numbers, the sum of all the deposited money appear in multiple statements, and despite having sent to SPS proof of payments, SPS still insists that we have a negative escrow account balance of {$1300.00} and this information is wrong. We decided to close the Escrow account and requested a refund that we have not received yet. 

In short, in addition to the abusive loan modification proposal, SPS is holding our money deposited in an escrow account and is asking us to pay for an inexistent and made up shortage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NM

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit 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 2022-02-09 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: EQUIFAX, INC.
State: RI

Complaint narrative:
i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX  XXXX  Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
On complaint # XXXX Experian advised that the alleged bankruptcy was verified by the data furnisher, however they have still failed to tell me who the data furnisher is that they verified this information with. 

Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 

I have filed multiple disputes and CFPB complaints requesting for Experian to provide the information for the data furnisher that they are alleging verifying this information with. 

How is this information accurate if XXXX nor XXXX is reporting the information. Experian is the only credit bureau reporting this inaccurate information to my consumer file. XXXX XXXX does not have this alleged bankruptcy on my consumer file and the Courthouse advised me that they do not verify bankruptcies with credit reporting agencies. By law you MUST tell me who the data furnisher is that you claim you are verifying this information with so that I am able to contact them. 

This is defamation of my charter, and you all are causing me a great amount of stress. 
I will again ask who is the data furnisher that you verified this alleged debt with? 
If you do not provide me with this information, I will be forced to proceed with legal action against your company for violating my rights under the FCRA.

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 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received 12 phone calls from a # while I was at work on XX/XX/XXXX. The final call I answered after I got home. The person described themselves as WellsFargo questioning a charge on my acct for {$110.00}. Asked if I accept or decline this charge. During this time I checked the back of my debit card and the number calling matched the one on my debit card. So i figured it was XXXX. They asked for my pin I felt comfortable because I thought it was customer service. They said I'm going to send you a 6 digit code read it back. I did. He said ok. I asked what this charge was for he asked if I had XXXX pay. I did not. I asked why my acct was on XXXX pay he had no idea but said to watch my bank acct and if i see any questionable charges I can file a claim. I though this weird they wouldn't freeze my acct but said no need because no money was actually taken. 2 days later I noticed an email from the bank saying my password was changed. I was unable to log in immediately ingot another email stating my balance went from {$1600.00} to {$1.00}. And a 3rd email saying I made a travel plan. I was looking back and saw an email saying my debit card was added to XXXX pay. Which I did not do. I immediately called wellsfargo the same number on my card they filed a fraud claim for me. Asked if I had given anyone my card or pin. I said no I explained what happened two days before. They said I was scammed. It was not them calling. I sent all the emails and calls screen shots to wells Fargo. They have denied the claim x2 stating that if it was fraud the person would have overdrawn my acct they didn't k ow how much money I had. I tried to explain that they did know because they changed my password on my bank acct and could see how much was in there. They made 2 purchases at the XXXX XXXX. Totalling just over {$1200.00}. I have been on the branch and filed a claim and appealed the denial they keep saying there is no evidence of fraud because the acct was not over drawn that someone had access to the balance. I explained they changed my password and could see what I had so of course it wasn't overdrawn they knew. I swear I did not make these purchased I own an android not an apple phone. I have tried everything to get my money back the bank keeps saying there was no fraud. Despite someone calling me 12 times from a fake XXXX customer service number. Please feel free to call cell with any questions. XXXX. Please help me. I am a healthcare worker struggling to pay my bills they took my whole paycheck and I have bills to pay. They won't work or listen to me. My hair dressers mom had the same thing happen fake call they instantly returned her money. So why am I having so much trouble fighting for what's mine?

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 2022-02-09 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: TX

Complaint narrative:
On XX/XX/XXXX I sent CFPB Complaint # XXXX. It stated For XXXX years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/XXXX for review. XXXX Problems with Experians reply. XXXX ) I have yet to receive a copy of the permissible permission. XXXX ) I have yet to receive summary of any updates from data furnisher. XXXX ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint. I request Experian send me copy of permissible permission they received from XXXX XXXX XXXX XXXX for the XXXX loan that is on my credit report. If Experian refuses to do this, I ask for explanations. No more passing the buck. Experian replied today : At your request to conduct a re investigation for the account, we contacted the data furnisher ( XXXX ) and asked them to verify the accuracy of the information with which you disagree. They responded and it remains on your report as-is. The result summary was sent to you on XX/XX/XXXX for review.?????????????????????? I requested copy of the permissible permission. WHERE IS THE COPY OF PERMISSIBLE PERMISSION I REQUESTED YEARS AGO??? Experian just merely passed the buck again and XXXX continues to deny and refuse to send copy of the permissible pemission because it doesn't exist.

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 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX truck from the website " XXXX '' and opted to finance my auto loan through Santander bank. The monthly payments were {$500.00} with 10.1 % APR. The paperwork I received was through XXXX, not Santander. 

I was moving from New York to Florida that month, so I was told to register the truck in Florida. I did and ensured all contact information was correct for my Florida address. Several months later, I had moved to Florida, started a new job, and invested a lot of money into my new truck. 

In XXXX, my new employer 's check didn't go through and I could not cover the XX/XX/XXXX payment. I called Santander bank to inform them and they told me that was okay. We agreed that I would make the XXXX and XXXX payments on XX/XX/XXXX. The representative did not tell me this would impact my account status. No further letters, emails, or calls were received. 

The night of XX/XX/XXXX, my truck was in my private parking spot with my {$800.00} kayak in the back. After midnight, a tow truck came and repossessed my vehicle with all of my belongings. When I called the police the next morning thinking my truck had been stolen, it was to my extreme surprise that it had been repossessed, despite what I agreed upon with Santander. 

When I called to work out a payment plan/pay any fees associated, I was told that there was no way to escalate this issue and no options were available to me, besides to pay {$28000.00} within 14 days. I called many times trying to resolve this issue without my credit being destroyed. No one could help, no one could explain why I hadn't gotten correspondence or why I hadn't been offered to voluntarily release my vehicle to the bank. 

Now my truck is going to auction, I have no transportation to my job, I will have had more than {$10000.00} in losses, and my credit will be ruined for years. I have been in Florida for 3 months. Santander bank is practicing predatory auto lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit 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 non-monetary relief