vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: SD

Complaint narrative:
On XX/XX/2020 my account with Gateway One Lending was closed. I have not received any kind of documentation on information as to who the loan sold to or who is servicing it now. I made a payment to Gateway One Lending for XXXX in the amount of {$500.00}. I was not aware the loan was no longer being serviced by them and unable to get ahold of anyone with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For the past three weeks some SPAM company has been trying to hack into my XXXX  XXXX XXXX Banking Account! The Bank has already given me the max. of User ID and Pass Codes allowed! My Account is now suspended until I get what the bank called a XXXX XXXX XXXX removed from my Computer! Which I am in the process of Doing! In the meantime! Experian Credit bureau Advertised to Boost your Credit Score they wanted to access your Banking Information to retrieve Utility Payments made on your bank Account! So I Did! I gave them my banking information and my Credit Score went up 10 points! BUT! Every since I did this, This unknown SCAM COMPANY Has Been trying to Access my Banking Information to withdraw funds from my Bank! A Coincidence OR WHAT?? WHY all of a sudden since I gave EXPERIAN my Banking Information is my Banking Account being De-Defrauded?? XXXX  XXXX XXXX 's Security Department told me : " Someone, somewhere has compromised your Banking Information '' REMEMBER! Experian was already Found Guilty for Fraud by the Government Once already! So Is this their new Scam or what?

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 2020-03-24 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: CA

Complaint narrative:
I sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: CA

Complaint narrative:
I sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.

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 2020-03-24 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.

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 2020-03-24 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted the company several times in the past regarding the inaccurate reporting of the mortgage loan on my credit report and the claim there is noting they can do because I filed bankruptcy and they can not report after that date even though the loan is still open and being paid on. How it is being reported on my credit report needs to be corrected somehow to reflect accurately! 

It is beginning to negatively affect me. I recently had credit denied XX/XX/20 because, " Lack of real estate secured loan information ''. The account information has an incorrect balance, missing payment amount, the account status is incorrect.

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 2020-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: VA

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: NJ

Complaint narrative:
Fraudulent XXXX  account reporting of {$22000.00}

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 2020-03-24 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: CA

Complaint narrative:
Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized account.

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 2020-03-24 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: CA

Complaint narrative:
Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized account.

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 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent debt validation letters to this company In reference to debt they say I owe. The company has ignored my letters and have yet to validate the debt. Theyve also reported this account twice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
The new bill for XXXX arrived with an annual fee of {$390.00}. Usually, we receive a travel voucher for same amount with American Express travel to be used by XXXX. 
I am having difficulties getting paid through my work. I requested Amex Credit Team on the XX/XX/20 at XXXX ( XXXX ) to extend my time to pay the fee over 2 months without paying interest. She declined and advised me to pay it off monthly and pay interest or call up to have the interest removed after payment date. This would affect my credit ratings. I have been a customer of Amex for 33 years without a single default. I am also questioning their attitude towards their annual fees as the travel vouchers can not be used for an unforeseeable time. 
XXXX asked me to cancel my card if I was not happy with her answer, but I would still have to pay the fees, even though this fee is a fee paid in advance. I would have liked to keep my card but will cancel if they do not remove or defer the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During late 2019 I was very busy and going through a tough time with the holidays before and around XXXX time at work and at home that I happened to miss a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) MyRewards Platinum visa credit card, my first missed payment in nearly 5 years of membership with this bank. Once XXXX XXXX XXXX was able to make contact with me through a phone call, I apologized and had them transfer the past due amount of {$33.00} to my credit card immediately. Furthermore, because I value my relationship with said bank, I made and additional payment only two days later of {$59.00} which is nearly double the past due amount and nearly triple the regular minimum monthly payments of {$20.00}. My credit score dropped 73 points points as a result of the one missed payment which is a heavy handed and absurd calculation by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Sir/Ma'am, My wife and I have two credit card accounts with Macy 's Rewards/XXXX XXXX XXXX Today ( XXXX ) my wife was reviewing her credit history with XXXX  - - because we're applying for a mortgage, which the issue I'm about to describe to you only exacerbates - - and she observed that Macy's/XXXX XXXX had apparently arbitrarily decided to lower our credit limit from {$1500.00} to {$800.00} per account without prior notice. 
This normally would not even really be an issue, but here are the specific and serious consequences for us, the lowly consumer : 1. We each have really excellent credit history, but this decreased credit limit - - done without soliciting any feedback from us - - will hurt our credit rating, through no fault of our own.

2. We're currently trying to get a mortgage - - see # 1 above.

3. Without exception, we pay all our bills on time - - see # 1 above.

4. Neither Macy 's nor XXXX XXXX contacted us ahead of time ( text/email/telephone/USPS ) regarding this - - they simply did it.

5. We spent well over an hour on the phone today arguing with Macy's/XXXX XXXX telephone operators in the XXXX ( because apparently American big business interests have written off investing in this country and choose to invest in overseas telephone call centers instead ) trying to describe the adverse financial consequences we will now experience with a likely lowered credit rating ( and higher interest rates ) when we apply for a mortgage in the near future. And of course, nobody in XXXX really grasped how this was a problem, nor could they explain why it was done or what our recourse was, nor how we could communicate directly with executives in XXXX XXXX in order to plead our case. 
6. Lastly, and most disgusting of all is the fact that these despicable and arbitrary actions are taking place in the middle of the global plague that the XXXX XXXX Government has unleashed on the world. People are literally dying around the globe and entire industries are going under, and we're on the edge of a recession or ( possibly ) even a depression. People are under a lot of stress, and the thoughtless actions of this credit card company are not helpful. I find it hard to comprehend how they failed ( and continue to fail ) their customers, and their behavior especially at this time is hard to comprehend.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm writing this letter in regards to issues that I have been having with American Express and my Platinum Card for the past few months. I have been a long-standing customer with American Express since XXXX and have made over 19 on-time payments with this company. It wasnt until I was involved in a serious car accident with a reckless driver who did not have car insurance or a driver 's license. My car was left on the brink of being totaled and was out of service for over one month. I was left unable to work and pay my bills. 

I had called American Express multiple times to try and explain my situation. They had told me that I was not eligible for the hardship programs for months as my account went into default. Throughout this time I had stated how I am willing to work directly with them, but that I needed smaller payments. They called me every day sometimes even up to 4 times a day harassing me demanding the full balance be paid in full when I explained I could only make smaller payments. On XX/XX/XXXX I had submitted a {$100.00} payment to show that I am serious about keeping my account open with American Express and that I am willing to coordinate a payment plan with their Hardship program. 

On XX/XX/XXXX, I spoke with the Hardship Program directly and explained my situation. They stated we could set up a plan of around {$230.00} for the first payment, and subsequently make {$100.00} payments over a 36-month term. I explained that I would most likely be able to pay the balance in full sooner than the 36month term if I was put on this plan, and that I was willing to participate and that I agreed to this plan, but that I needed some time to think it over. The representative told me that I would be eligible anytime to sign up for the Hardship Program. I tried to call them back but their department was closed. 

On XX/XX/XXXX I received a call from American Express stating that I was now no longer eligible for the Hardship Program further reiterating that they have been unwilling to work with me even when I have done my best to make payments and when I have cooperated. Even with my city being in quartile for COVID-19 they were unable to work with me. They instead sent my debt to XXXX  XXXX  XXXX which called me today on XX/XX/XXXX. Now I am being harassed by a debt collection agency when I have tried my best to work with American Express directly. Today I have submitted a {$110.00} via online to American Express.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/2020 and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: FL

Complaint narrative:
Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : XXXX XXXX FKA XXXX. 

Experian has refused to address this twice so far.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was billed on XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$13000.00}, and for {$38.00} on XX/XX/XXXX. total fees charged {$38000.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. All charges were indeed credited back between XXXX and XX/XX/XXXX, but American Express never credited me back for the interest fees and late fees associated with these charges. On XX/XX/XXXX after complaining about this, American Express did give me a small credit me {$8000.00}, but was still short {$30000.00} in fees that must be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
What is this complaint about? 
SHELLPOINT Mortgage Company recently acquired my mortgage from XXXX XXXX  XXXX. My property is a Condominium. Shellpoint requested the HOA Insurance Information by submitting a letter to me requesting that I submit it. I informed Shellpoint that I called the Property Management office and requested the information. A second letter was followed up with a threat that they will automatically select an insurance plan for my building complex and I will be responsible for paying for that insurance. I submitted a letter to them informing them that I am not responsible for the insurance coverage for the Condomium Complex, that I have contacted them and requested the information. After numerous calls on my part, I reached the Condomium Complex and they informed me that they had already submitted the information to Shellpoint and did not understand why Shellpoint continue to call me for that information. 
In addition, Shellpoint created an Escrow account on my behalf and charged my account in the amount of {$730.00}. I called Shellpoint and complained and the amount was deducted. However, again I am in receipt of a letter asking for proof of wind insurance for my personal Condo. That information was also submitted to Shellpoint by XXXX. Again I received a letter from Shellpoint threatening me that they will bill me for the additional insurance. 
Step 2 : What type of problem are you having? Claims of inadequate insurance and Shellpoint has acquired insurance on my behalf after submitting the insurance proof they requested. 

Step 3 : What happened? They continue to threaten and harass me regarding the additional insurance. And will add the additional cost to my mortgage payments. I do not have a current escrow account. I pay my insurance directly to XXXX, and I also pay my annual taxes directly to the State of Maryland. I have no PMI on my property. I put a down payment of {$30000.00} when I bought my property Step 4 : What company is this complaint about? SHELLPOINT MORTGAGE COMPANY Step 5 : Who are the people involved? XXXX XXXX XXXX, OWNER AND SHELLPOINT MORTGAGE.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation