vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a car Santander and was charged of showing a date of last activity of XX/XX/XXXX with Santander. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with Santander with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the Santander account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: MD

Complaint narrative:
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have two accounts with Citi card that I have had issues with for years. I recently paid off both cards and am still getting a bill for just over a hundred dollars on each. I have confirmation numbers from choosing to pay off the entire balance but Citi cards is just trying to continue to take money from me. They have impossible to use customer service and I have spent hours trying to get someone on the phone. They outsource their customer service to other countries and when you finally do get someone you are not able to get your issues resolved because none of them have the ability to actually do anything. So I paid thousands of dollars to get out from underneath these two cards and they are still making sure I can't. I need help.

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 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I moved out of my apartment in XX/XX/2018 and canceled the XXXX   by XXXX  water delivery service. However now the company claims I have an unpaid debt of {$80.00} because I haven't pay my monthly dues since XX/XX/2018. Associated Credit Services, Inc kept on calling me and despite my telling them that the debt is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: PA

Complaint narrative:
I am trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed

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 2019-02-08 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: PA

Complaint narrative:
I am trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: PA

Complaint narrative:
I am trying to open a bank account for my business but a account from XXXX comes up under my info and it's not mine that needs to be disputed

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 2019-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
on XX/XX/2018 i made a minimum payment to my XXXX   XXXX XXXX credit card for my XXXX payment of XXXX. on XX/XX/XXXX i made another payment to the same account for XXXX payment of XXXX. on XX/XX/XXXX i went to make a payment and they stated i was passed due for XXXX. they took both previous payments that where made and applied them as one payment for XXXX even though they were made 24 days apart. They then stated i never made a XXXX payment and hit me with late fees and possibly reported this to my credit. i made multiple calls and the customer service department continued to hang up on me and put me to collections department. This department told me if i did not make a payment then i was not able to speak with customer service at all. i then made yet another payment to try to get some resolution with customer service who continued to disconnect the phone call.agents i spoke with XXXX # XXXX XXXX # XXXX and 3 more who just hung the phone up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To whom it may concern : Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX.

The following company does not have a surety bond on file with the XXXX of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail ( received by them on XXXX XX/XX/2019 ) that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

IC Systems XXXX XXXX XXXX XXXX XXXX, MN. XXXX Should further information regarding this issue be required, please let me know.

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 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On the morning of XX/XX//19, I tried to access my online banking. This is because I needed to pay my credit card bill and gather some information for a reimbursement through my work. I tried several times over the course of an hour with the response that I could not get in because the system was down ; however, it also had a caveat that online banking was working for customers. I eventually was locked out of my account. When I tried to contact WellsFargo, their online system said there were extended wait times for accessing a banker. So I decided to wait it out until it was fixed. Twenty-four hours later, on the morning of XX/XX/19, I tried to access my account again. It says on the Wells Fargo website that everything it up and running again. Yet, I can not access my account and it will not allow me to change my password. When I tried to contact Wells Fargo, they stated again that they have excess wait times to speak with someone and the phone system stopped working.

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 2019-02-08 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: MD

Complaint narrative:
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XX/XX/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 2019-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We purchased a home in XX/XX/XXXX with the original loan being a 5/1 ARM, the mortgage company at the time was Washington Mutual ( WAMU ), which became JP. Morgan Chase after the financial meltdown. 
In XX/XX/XXXX we were provided a loan modification by our mortgage company ( JP Morgan Chase ) since we were 2-3 payments behind, however we were not in foreclosure or pre-foreclosure. 
After providing all the requested information and documentation we were sent some documentation to sign and return, which we did. Last spring I contacted the mortgage company regarding a possible refinance in order to eliminate the PMI on the mortgage payment, during the conversation I enquired about the length of our loan, the representative would/could not provide that information. We never went forward with the refinance, however I was still curious about the length of the loan and after looking at my online account I was able to see that the maturity date of XX/XX/XXXX. I've since received copies of the original loan modification agreement confirming that XX/XX/XXXX is the maturity date of our mortgage. 
This means that our 5/1 ARM was refinanced into a 40 year mortgage at 4.625 % after requesting a modification in order to lower the monthly payment, and catch up with 2-3 months pass due payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
This company called Convergent ( XXXX ) continues to call me regarding a debt for someone else named XXXX XXXX. 

I've received calls since having my phone for this individual about collecting his debts. I am not this individual and although I have the same number that this individual previously had - I do not owe or have the same name as this person. 

These calls need to stop. I asked this company to remove my number and informed them that I am not the individual.

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 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih 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 2019-02-08 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: TX

Complaint narrative:
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.

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 2019-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX at approx. XXXX my XXXX XXXX XXXX   was repossessed by XXXX XXXX XXXX XXXX XXXX on the request of ALLY Financial Online - IRepo .

for late payments as follows : ( i ) 1 of {$220.00} and 2 of {$280.00} = {$790.00} ( ii ) Late Charges = {$110.00} and ( iii ) Expenses ( Retaking and Holding said vehicle ) = {$400.00} a total of {$1300.00} which was PAID on XX/XX/XXXX. ( 1 ) After paying the FULL total of {$1300.00} and the Towing company Charges of {$95.00} ( Storage = {$20.00} and Handling fee = {$75.00}. ( NOTE : The Towing Company would not release the vehicle unless it was satisfied that ALL payments were made. I left with my vehicle at approx. XXXX. Ally Auto Financial then sent a bill with a {$240.00} MISCELLANEOUS Charges. When I enquired they told me its from the Towing charges, REMEMBER they already charged me {$400.00} for Retaking and Holding vehicle. ( 2 ) I decided to PAY off the vehicle to avoid any more problems with the bank and on XX/XX/XXXX I called and requested a Pay-Off Quote and was given a quote of {$5100.00} good for Ten ( 10 ) days.I PAID with a XXXX XXXX Cashiers check for $ XXXX.I then went to the USPS Postal Service and mailed the check Certified Priority - Express, Tracking # XXXX XXXX XXXX XXXX . delivered XX/XX/XXXX @ XXXX. ALLY AUTO acknowledges receipt of the check which was posted on XX/XX/XXXX ( Four ( 4 ) days later and well within the Ten ( 10 ) day time limit ). I was told that I would get my car title within Fourteen ( 14 ) business days Confirmation # : XXXX. I then got a bill that I owe {$31.00} MISCELLANEOUS Charges. XX/XX/XXXX I submitted a complaint to the Florida Office of Financial Responsibility ( OFR ) who notified me that they mailed your office a copy of this complaint. I still have NOT heard from ALLY AUTO or received my Title. I believe I was robbed by the bank of the {$240.00} MISCELLANEOUS fees and would like to be reimbursed and given the title to my vehicle. Thanks for taking the time to investigate this request. I have all available documents, if requested.

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 2019-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager, Mortgage Assistance ReApplication Review Team ( ID # none ) on XX/XX/XXXX @ XXXX XXXX, on phone 19mins regarding the (XX/XX/XXXX) letter restating their decision to which XXXX requested again asked to what SERVICING AND LOSS MITIGATION, FHA Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Section Guidelines was the decision based on she didnt know put XXXX on hold to come back and said she would call him back.

Previously XXXX called XXXX, on XX/XX/XXXX @ XXXX XXXX, on phone for 92mins to Change in Circumstance Team to XXXX XXXX, Department Review Specialist ( ID # none ) stated the short sale option was continued decline from their ( XX/XX/XXXX ) decision because of the loan delinquency presently ( 152 months ) and the marketability of the property. XXXX asked to speak to a Supervisor, XXXX XXXX, Executive Office Support Group was not a Supervisor XXXX asked to speak to a Supervisor dropped call. XXXX called back at XXXX XXXX, on the phone for 16mins to XXXX XXXX, Escalations Case Manager XXXX. XXXX requested since CHASE, the servicer for the investor Case # XXXX, what were the FHA Guideline Sections pursuant to delinquency and marketability of a property. He did not know yet assured XXXX he would escalate questions that someone would get back to him by email or phone call also stated further communication needed to be forward to, XXXX, Executive Office Research Specialist, Case # XXXX @ XXXX ext.XXXX.

Mr. XXXX forwarded XXXX a copy of their ( XX/XX/XXXX ) 5 pages decision [ exculpatory evidence ] where CHASE continues to violate, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), where the ( minimum 31 days delinquency ) period is and marketability has to do with ( condemned ) my property is not condemned. For these reasons, I was compelled to file ( Bankruptcy XXXX  ) because we are not being allowed to short sale our property to avoid a deficiency judgment and/or foreclosure on our credit reports.

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above said Parties, etc.

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners ( Married )

Company response to consumer: Closed with explanation