vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I attempted to payoff this loan early for the anticipated payoff amount of {$6700.00} to the company ( Santander Consumers USA ) directly. However, when I attempted to pay this amount they refused to let me pay more than {$2900.00}, per transaction. When I spoke with a representative ( XXXX ID # XXXX ) I was advised that I could not pay off the total amount owed in one transaction, per a limit. I was advised that I would have to do multiple transactions ( 3 over 2 days ) instead of all as one lump-sum. I was forwarded to a supervisor ( XXXX ID # XXXX ) who also reiterated the same. This type of hassle is shady from a consumer standpoint, as well as seems to be circumventing regulatory reporting processes for XXXX. If I was a consumer and was committing these types of transactions it would be viewed, by most semi-intelligent persons, as an attempt to commit money-laundering and trying to avoid any type of list for going over a {$3000.00} triggering amount. Being that there was no Due Diligence question of the source of funds, this tells me that Santander Consumers USA is either avoiding Federal banking regulatory procedures, or is just plain lazy. Either way, there is no reason that a consumer should be required to make multiple transactions for a payoff. This gives MY bank due cause to question my motives and put me through a battery of unnecessary scrutiny, when I am trying to complete a legitimate payoff of a liability. When interest is accrued on a daily-basis, this is costing me more money to pay in multiple transactions over multiple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, This is not my account, I already disputed and they did not meet my requirements to verify ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Loan # XXXX XXXX  Opened- XX/XX/2016 at XXXX XXXX in the amount of {$3500.00} Deposit in XXXX XXXX XXXX  Reference : XXXX XXXX and XXXX XXXX  I have no idea where this account came from. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for a mortgage in XX/XX/XXXX and my credit report returned with one negative entry ( please see Signed Consumer Explanation Letter ). This negative entry is from Navient for an account ending in XXXX. The account in question was charged off in XX/XX/XXXX with the amount owed listed as {$100.00}. When I called Navient regarding settling the charged off account, their representative informed me that they show a balance higher than what is being reported to XXXX, XXXX, and XXXX. 

Per my recollection and records, I have only had the one account with Navient for a private student loan totaling {$500.00}. I borrowed the {$500.00} my last semester of college in XX/XX/XXXX because I no longer qualified for public student loans. I did not take out any additional student loans after this date. The last payment I have record of is from XX/XX/XXXX ( please see Emails from Navient ). On XX/XX/XXXX I was informed that my next payment would be due XX/XX/XXXX ( see Emails from Navient ). I received an email on XX/XX/XXXX reiterating this information with the amount due listed as {$3.00} ( see Emails from Navient ). When Sallie Mae transitioned to Navient, I was informed on XX/XX/XXXX that nothing about my account would change ( see Emails from Navient ). However, on XX/XX/XXXX I was sent an email from Navient indicating that the billing date for the account ending XXXX would be due on XX/XX/XXXX ( see Emails from Navient ). Unaware of the change, I proceeded as if the prior agreement was still in effect. The end result is reflected on my credit report. 

I have only received communication from Navient regarding the account ending in XXXX. All my student loans with balances over {$500.00} were consolidated prior to XXXX and are now serviced by the U.S. Department of Education. I do not take any responsibility whatsoever for any debt not listed on my credit report. Additionally, I may have previously challenged Navient on their credit reporting and erroneous accounts were removed. I am now attempting to settle the charged off debt of {$100.00} for the account ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: MO

Complaint narrative:
My exhusband skipped out on a debt in my name that he was ordered to pay in then divorce decree. I set up interest only payments but they tried to debit his account instead of mine and it was blocked and then they wouldnt let me reinstate. Im currently having to pay the loan but it has fallen behind due to these extenuating circumstances. The day after they receive a payment from me they start calling me at all hours of the day. Ive had calls before XXXX XXXX and after XXXX XXXX on the same day. I get no less than 3 calls a day and thats a slow day. It is harassment plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My wife and I applied for a refinance with Freedom Mortgage on XX/XX/2020 and the process is to date, incomplete. At the onset, our loan advisor was very helpful in providing the initial loan estimate@ 2.25 %. Once our social security information was forwarded to officially apply with Freedom, all went silent. Both emails and voicemail messages have gone unanswered from the loan officer, the title company, as well as the customer advocates. Once information that is requested has been provided, it somehow gets lost and you are requested to provide the same information again. It is as though, there is an intent to stall. 

This is absolutely the worst customer service experience we have had. This refinance should have been an easy and straight forward process and it is unheard of for it to take 3 months to be finalized. A streamline normally takes just a few weeks. Freedom has ran our credit twice, moved along to have our insurance update their records with them as the new lienholder ( although the loan has not yet been finalized ). The last successful communication we have received was on XX/XX/2020 advising that they were awaiting title work and approval. Nothing since. 

If there is an underlying reason for this lengthy process, we have yet to be informed. We have also requested that this issue be escalated to their management team and the staff has refused to forward a contact.

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 2020-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: OK

Complaint narrative:
Fraudulant account the result of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
i would rather discuss that over the phone or in person. if that is ok. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CO

Complaint narrative:
I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-12-30 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: CO

Complaint narrative:
I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-12-30 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: TX

Complaint narrative:
I submitted a letter and proof to Transunion regarding my fedloan accounts. 
Explaining that they are reporting inaccurate information on my credit report compare to XXXX and XXXX. I was sent a letter from Transunion stating they have update the information, with no proof showing how they were able to validate what they updated. 

Transunion did not do as I requested, I didn't ask them to validate or updated the account, I specifically request that the account be deleted due to in accurate reporting. 

It is not my job to bring attention to Transunion regarding in accurate reporting information that could possibly hurt me from further purchases.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX XXXX Experian sent me a investigation results stating they verified bankruptcies under my name with XXXX, However I sent Experian a report from XXXX that they are not reporting or showing any bankruptcies under my name. Experian continues to lie about reinvestigating my dispute. on XXXX XXXX I sent Experian a police report and my FTC fraud claim showing that those bankruptcies do not belong to me and is FRAUD. on XXXX XXXX they sends a letter saying they will remain as of they XX/XX/2020 investigation. Per law they are to investigate whenever new information is provided and they failed and ignored my request and ignored my police report. I am also sending copies of this and letter to attorney general. Experian is trying to deny my right to dispute. Experian will not remove the false information on my report. Experian replied and stated it was still verified without sending me any documentation or proof of an actual investigation. Only thing they sent was an investigation from XXXX still remains and did not accept my new information for the dispute I sent in XXXX with new information and POLICE REPORT. 

I know per the FCRA I have to give them 30 days to correct a known mistake within my credit file and at this point they have been granted that time, this is a formal notification that I plan on filing a complaint with the Attorney General, and XXXX against Experian company if this bankruptcies is not deleted from my credit report IMMEDIATELY! 

US BKPT CT  XXXX XXXX XXXX XXXX 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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Endless requests for obscure paperwork delaying loan processing and finalization I applied over the phone XXXX and paid the {$500.00} appraisal fee with XXXX - very kind and helpful. Uploaded all documents by the end of the month but no response. My loan originator changed to XXXX after XXXX had left. After uploading an entirely new set of the same documents, no response. I called AmeriSave and only got through by selecting menu option for new customer ( not existing applicant ) because email and phone appointments with XXXX were unreliable. When I did reach him, he was very helpful and kind. He set up my appraisal ( initially told might not need it ) and report was sent shortly thereafter ( XX/XX/12 ). After that, I thought we were ready to go. But I am still getting auto generated emails everyday requesting some new document. I've purchased two houses before and been through the mortgage loan origination process. This company 's workflow is nonsensical - endless requests for documents, invoices, new paystubs from the same employer that no other bank has ever requested - and they do not request them all at once. It's all piecemeal so that the process gets drawn out with no known end in sight. If you are looking to obtain a mortgage on a tight schedule, this is not the company for you. I discussed the troubles with my husband and he raised the issue of this company 's legitimacy. I found many similar complaints on the XXXX  website, many of which were resolved, so I'm hoping this will do the trick. Another concern - I check my emails and the website for updates but never gave consent for mobile updates. Yet now I am getting text reminders to upload documents. There is a phone number to call in the text but it goes straight to voicemail. Again, very odd service and workflow. Everyone is very nice but the operations are so erratic that I'm still very concerned this company is handling documents with all of my personal information. Would just like this to be over and done - either refund and end relationship or process loan and complete transaction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 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: AZ

Complaint narrative:
On XX/XX/2020 i sent XXXX XXXX and TransUnion More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills

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 2020-12-30 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: AZ

Complaint narrative:
On XX/XX/2020 i sent Equifax XXXX and XXXX More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
Fraudulant reporting of negative information and iquiries on my Personal Identity report with Chex Systems.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX Location - Best Buy They promised us {$140.00} for tech support and was charged {$190.00} instead.Customer service with your company is nothing but a nightmare

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

1 ) Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I am filing a civil suit in my county for damages and you can travel to defend yourself.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America issued a XXXX statement a month after closing my card. They claimed it was for interest on past purchases today, but when I closed the account I was told I only needed to pay off the statement and I was good to go.

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