vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 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: LA

Complaint narrative:
TRANSUNION IS LYING TO ME AND NOT READING MY COMPLAINT. I HAVE 1 HARD INQUIRY ON MY CREDIT REPORT BY XXXX XXXX-XX/XX/2019. THE ORIGINAL CREDITOR SENT ME A LETTER STATING THE INQUIRY WILL BE REMOVED AND PAID ME {$50.00} FOR THE MISTAKE. 

On XX/XX/2019, i sent that letter to TransUnion through the CFPB and they responded the Inquiry was verified through the creditor and is factual, which will remain on my credit report for two years. THAT IS A LIE. They do this every time. They said the same thing before for items that was ALREADY DELETED!!! 

THIS IS MY FINAL REQUEST TO REMOVE THE HARD INQUIRY BY XXXX XXXX ON XX/XX/2019.

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 2019-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i call capital one several times ... Since XXXX when i gotten a news about i have came down with XXXX and getting treatment I ask capital one if can work with me about reduce payment or lower the interest until now XXXX they said big NO.. spoken to several manager and still NO. it as been 3 years and the account go up and not down what can i do next thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen never wanted to negotiate. We started the Foreclosure proceedings since XXXX. I hired an attorney to protect my rights and I also claimed Bankruptcy Chapter XXXX in XXXX in thinking Ocwen would be willing to do a Modification. I originally included Ocwen in the Bankruptcy payments however after noticing that they did not want to negotiate for me to keep my home I removed them from the Bankruptcy payments. I had to move out of property luckily my attorney XXXX XXXX was monitoring my home and advise us to move out by XX/XX/XXXX. The house was put in auction and the bank ( Plaintiff ) never sold the house they kept for the amount that I wanted to buy it for. They never reach out to me to see if I wanted to keep the home. I notice recently that the house is still vacant and my attorney has advise me to put a complaint in with your company to see what you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
I called ( 6 ) times requesting updated post -fixed rate option loan documents. I was repeatedly told by both agents and supervisors at the MORTGAGE SERVICING dept that the documents were mailed, yet we did not recieve them. 
On XX/XX/XXXX I called again to see where the loan documents theyve said they mailed out were. The agent -XXXX- transferred me to a supervisor but before doing so, thought the call was on hold and laughed heartily. Apparently, its funny now. The poor customer service at KeyBank is literally STUNNING. 

The supervisor -XXXX- would not answer ANY questions whatsoever about my loan, citing my CFPB complaint. He informed he was instructed NOT to discuss my loan with me and refused to answer a question that had nothing to do with my CFPB complaint. 

He referred me to the executive response team who confirmed they have not mailed my updated loan documents that Ive been waiting for and that they might possibly not be sent out for 6 weeks - or end of XXXX. Thats 3-months after the loan was altered and, I to this day, do not have any updated documentation. Nothing was signed, nothing in writing. They wont answer questions now and XXXX is now the only person handling the account and she doesnt answer phone calls or written questions. 

I believe it is improper and possibly illegal to refuse to service the {$60000.00} + loan and provide paperwork because of a complaint regarding a separately bungled matter. 

I did not choose to be a KeyBank customer as my loan was bought out from another bank, but refusing to service it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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:
experian your own report states this account was in collections not payments made meaning that it can not be re aged it also state that status update XX/XX/XXXX you did not investigate anything just reported the same thing you had on record. this was a fraudeulent account i did not pay and XXXX is fradulently reporting that payments were made .I contact them by phone they can not show any type of evidence of how payments were made but re aged this over 7 1/2 years old account remove this account at once report  numberXXXX date XXXX XXXX enclosed as factual evidence of what i am stating REMOVE AT Once

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 2019-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a vehicle via Santander which was stolen in XX/XX/2017 after only a few months of ownership. I contacted my auto lender and Gap immediately and now after the vehicle XXXX was paid off at {$20000.00} less the deductible of {$1000.00} and Gap paid off {$4000.00} I am shocked to see that Santander is reporting the account as being in a derogatory status and that I am owing a balance of {$4000.00} with a high balance of {$25000.00}. I have attempted to divulge from this company where the balance derives from as I am not aware that I owe a balance after the payoff. I have subsequently been advised by Santander that the balance relates to interest and fees. Santander has offered me a settlement amount of {$1800.00} to pay off this so-called debt but failed to answer how these fees have been calculated? I have not yet received a response from Santander and this inaccurate entry still reports on my credit files causing hardship and is damaging my credit. As per The Federal FCRA section 623 ( a ) ( 2 ) of the FCRA 15, U.S.C 1681et seq. : including sections 615 to 629 I demand proof pertaining to these fees and require legal evidence that the balance that is reported is owed. Please provide me with this information immediately as I am not prepared to wait any longer for you to remove this inaccurate information and be aware that I am keeping precise records of this event and that I will seek legal recourse from the courts in the form of a small court claim against your company for damages relating to ( 2 ) years of inaccurate reporting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
In XXXX of XXXX the XXXX XXXX 2007 which was financed with State Farm Bank, was involved in an auto accident in which the vehicle was totaled. A final payment in XXXX was required in which is was paid timely. the total of the loan was then paid off through insurance with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( the other party at fault, company ). State Farm Bank is continuing to report that I was 30 days late on payments for XXXX and XXXX of XXXX. This is inaccurate as the vehicle was totaled out and loan was paid off in XXXX XXXX they are refusing to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I received a credit card from Home Depot and called Home Depot and informed them that I didnt not apply for a card from them. The representative said that they would closed the acct. When I received my free annual credit account, I noticed that an hard inquiry that I did not authorize on my credit account from XXXX  XXXX. I called XXXX XXXX and informed them of the unauthorized inquiry. They informed me that they did not approve the card. I will be completing a police report today. I called each of the credit bureaus and requested an alert and freeze be placed on my accounts. The hard copies were placed on XX/XX/2019 and I received the Home Depot card on XX/XX/2019.

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 2019-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs Marcus randomly closed my account for no reason, wouldn't tell me why. I had about {$30000.00} in the account, was going to move in more. I hadn't done anything with the account, so it was very surprising. They wouldn't provide any information " for security purposes, '' made me worry someone had stolen my identity. Provided no info -- causing duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
On XX/XX/2019 we called ditech mortgage because we were not receiving a statement. XXXX at ditech in XXXX Arizona mentioned that she could not send us a statement. our option was to pay an amount that she gave us and include this new mortgage account. at this point I asked for a copy of my agreement/ obligation to pay this company. I am still waiting for a copy of this agreement/ note with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
This complaint is regarding a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) amendment in 2003 to the Fair Credit Reporting Act ( FCRA ) of 1970, in specific violation of the Red Flags Rule ( RFL ) of 2008 by Prosper Marketplace , Inc. in XXXX XXXX, California. 

I was alerted by several different credit monitoring accounts that a hard inquiry had been made on my XXXX credit report by Prosper/XXXX   on Sunday, XX/XX/2019. This wasn't a request for credit that I had made. 

I called Prosper Marketplace, Inc. at the number listed on my XXXX report on Monday, XX/XX/2019. 

I was given the run-around for several minutes while calling Prosper Marketplace, Inc. on XX/XX/2019. But the operator was eventually able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. This remark alone proves the RFL was violated. 

I then was compelled to undertake an arduous and time-consuming process of obtaining a police report and submitting said police report to Prosper Marketplace, Inc. for the entity to request removal of said inquiry from my credit report. I went through this arduous process simply because I desired that this false and illegal inquiry, violating the RFL was removed expeditiously. 

Prosper Marketplace, Inc. has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically under the Red Flag Rule ( RFL ) of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003.

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 2019-05-21 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: CA

Complaint narrative:
This company failed to provide me a copy of the credit application signed. A file showing the information is valid placing it on my credit. 

The company is called -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
WellsFargo shows that I have an open account line of credit with them that is not paid for 6+ years. I called wells I spoke to XXXX on XX/XX/XXXX XXXX XXXX gave them my SSN # and XXXX told me there is no account attached to my SSN that I should call the 3 credit bureaus and report the issue. On XX/XX/XXXX I filed the dispute, today XX/XX/XXXX The report came back from XXXX I can not get a definitive answer on why it is not coming off my account. So I need help with removing this off my credit score. Also in the 6+ years since my wife has filed this bankruptcy, I never received any paperwork or bills from wells fargo. On my XXXX XXXX it shows that the account is closed but seems to be open I just can get clear information.

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 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
currently enrolled in debt relief program and have been instructed to not communicate with the creditors listed in my account. XXXX XXXX ( XXXX   ) has just contacted me at my employer. my debt relief company suggested i file the complaint due to this being illegal? XXXX from XXXX XXXX/XXXX   called me XX/XX/19 around XXXX XXXX. her call back number is XXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute on XX/XX/2019 to remove student loans which reports missing information on account history and a incorrect balance on the account and they stated the account is accurate but it's not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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:
This loan was open in XX/XX/2015 according to my credit reports. It also says never late paid close. But I never own or authorize this company to issue anything loan.

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 2019-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Regarding XXXX XXXX XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my wife and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, XXXX and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be approximately an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We discussed the matter multiple times including but not limited to employee XXXX XXXX # XXXX and XXXX XXXX XXXX. They refused to provide last names. We we not provided the Condos we were told would be provided at the discounted rate in our membership. CapitalOne employees refused to defend us on services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation
State: MA

Complaint narrative:
My previous employer issued a paycard so I could collect my wages. I used the card to remove all funds from the card onXX/XX/XXXX, and no additional funds have been added to the card. 

I received a letter ( attached ) from Money Network onXX/XX/XXXX, stating my account has been upgraded, and a Monthly Maintenance Fee may be applied. 

I called Customer Service to close the account, but have not been able to speak with a representative. 

Can you please help me close this unused account and avoid any potential fees? 

Thank you. 

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX has reported incorrect and unverified information to all three credit agencies. They claimed that this information was verified by the bankruptcy court. I requested the information of the individual persons name and contact information who verified this information. I have submitted this in affidavit form in which I have not gotten a response. I did submit an affidavit to the bankruptcy court in which they replied that they don't verify information with no third party companies. Basically XXXX XXXX take upon them selves to search public records to provide this information which could and could not be accurate. Everything on public record is not accurate and error are made all time and never corrected. This seem to be something XXXX XXXX is doing strictly for monetary gains no matter how it hurts the individual. The credit agencies is reporting this information with out 100 % verification only what another third party is telling them what they claim to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I submitted a dispute to Equifax regarding unauthorized inquires on my credit report. I also provide them a copy of the Identity theft reporting advising that I have been a victim of identity theft. I submitted all required and necessary information for this to be corrected on my credit report. I am very dissatisfied that I am the victim and I am not able to get inquiries that I have not authorized removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Purchased a home on XXXX XXXX with XXXX XXXX the mortgagee, loan was sold to XXXX XXXX in XX/XX/XXXX. Original amount XXXX and change was original note. In XX/XX/XXXX, Mortgage payment increases to XXXX with no explanation for increase. Upon investigating and many hours of phone calls it was discovered that insurance company ( XXXX XXXX ) double billed mortgagee and they paid it without checking that it was already paid., instead they penalize the mortgagor. Bottom line is mortgagee is so big the left hand doesn't know what right hand is doing, and they fail to admit their mistake. The mortgagee also wouldn't accept original payment amount, they called it a short payment, all documents have already been sent to mortgagee

Company response to consumer: Closed with explanation