vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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: GA

Complaint narrative:
There is a collection on my Experian file from XXXX XXXX XXXX ( account number listed XXXX ) for an XXXX XXXX XXXX collection for {$100.00}. I disputed this with Experian and it remained on my file. 

I contacted XXXX XXXX XXXX and they have no record of this collection for me. 

This is a violation of my federal rights under the Fair Credit Reporting Act. If the company has no record of a collection, how could Experian have left this on my file after it was 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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, Today I spent over 3 hours on hold with Experian trying to get a live person to help me with a membership website that does not exist anymore. XXXX which is a Experian website that is no longer up and running. I was charged {$29.00} this month XX/XX/XXXX which they only refunded me back. But I was charged {$29.00} 0n XX/XX/XXXX, which their website was not working last month. I did not know they was transforming their systems to only use usaexperian.com website. I asked the rep XXXX ext..XXXX, how Experian gone charge me for a website that do not exist anymore? She told me that they was not going to refund me the additional {$29.00}. I asked why, because I could not go to this website. and if I wanted to print something from the website. I could not. I paid for all three credit reports, which Experian website only gives one, unless I pay another fee. These are totally different websites by Experian, which they are trying to keep my money for something I had no control of. They closed their website down. I just want my money back.

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 2019-01-02 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: NM

Complaint narrative:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-01-02 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-01-02 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. 

On XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. 

But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$27000.00}. 

Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA is reporting information on my XXXX  XXXX and XXXX   credit report that is NOT MINE AND WILL NOT REMOVE Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$16000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Individual Your Statement - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Tried to open multiple times an HSBC checking between XX/XX/XXXX - XX/XX/XXXX XXXX. Repeated denied : " Dear XXXX, We're writing to notify you that your application for a new HSBC Advance checking account was declined because were unable to verify the identity of the applicant. 

If you requested online funding at the time you submitted your application, this transaction has been cancelled. 

Sincerely, HSBC Online Account Opening Team '' Even so - I was a customer of the bank in the past ( confirmed, and does not prevent opening ), they had successfully checked my credit reports multiple times which fully confirm my identity ( prof present ). All the information I entered was correct. So the reason presented is absolute invalid nonsense. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
NationStar/ Mr. Cooper is intentional miss applying extra payments attended to pay down my mortgage. After several phones call and threats to file a complaint they applied {$390.00} paid to them in XXXX on XX/XX/XXXX ( see documentation ). This payment should be adjusted for XXXX when it was paid to them and not holding it for 2 years in some unapplied account fund making the company money via interest in their accounts. Furthermore, after phones call in XXXX and XX/XX/XXXX regarding extra payments paid to them in XXXX they reversed {$430.00} that was applied as a regular payment XX/XX/XXXX ( see documentation ). When I question why would anyone want to make extra payments toward interest and not the principal, they gave me some lame excuse about they thought I was just paying a month in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My letter dated XX/XX/2018. With application # XXXX was reported I was denied credit for subjective measures stated as ; 1. Monthly payments owed are too high relative to recent Wells Fargo deposits, and Remaining income after monthly debt payments is too low. 

I called to speak with Wells Fargo regarding these issues on subjective data measure decision making in regards to this application. When asked to objective measures they could not relay any. I again made reference to credit scores and objective measure which is used to determine credit worthiness were 1. on application was XXXX and 2. on Wells Fargo report was XXXX. These were provided as attachments. 

Again I asked for other objective measures which they could have used to make these credit decisions. Nothing was provided merely being transferred from one representative to representative. Nothing was provided accept y credit score of XXXX which is excellent. 

So I could only conclude that Wells Fargo uses discriminatory practices in determine the issuing of credit as for every objective matrix I had and was provided to me by Wells Fargo states I am an excellent history in using credit responsibly.

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 2019-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my husband and I applied for a HELOC through our Mortgage servicer, Wells Fargo. We identified in the application that we are XXXX XXXX. Our credit scores in the in 700s and we have good income. 

XXXX XXXX XXXX was assigned as our point of contact for the HELOC application process. She requested I write a letter to explain my job history and income despite providing 3 years of XXXX statements when only one year is required. Her manager also requested putting the companies in the letter as well. These two requests caused the process to take longer than necessary and was the first sign my husband and I had that this could be discriminatory practices to limit/prevent XXXX XXXX  from obtaining funding for home improvements. 

A few weeks later, we were informed by XXXX XXXX XXXX, our point of contact for the process, that we were being denied. She informed us the underwriter reviewed the data and that we were being denied ( 1 ) due to having a modification performed in XXXX that reduced the balanced by {$23000.00} ; ( 2 ) because the Loan-To-Value ratio did not meet the criteria set by Wells Fargo for approval. XXXX informed us despite this, the underwriter still attempted to find a smaller amount that could be approved but was unable to do so. We advised her we feel the entire process we experienced was discriminatory based on our XXXX XXXX  status that was identified in the initial loan application and that we would be filing a complaint with the CFPB. She advised she would have an executive contact us for further review. 

On XX/XX/XXXX, my husband and I spoke with XXXX XXXX, the executive representative XXXX XXXX XXXX referred us to. He advised the same two reasons mentioned previously that we were denied. I advised him we had been informed that by XXXX and challenged the validity. I asked XXXX if the reasons we were denied are regulatory reasons or if these are Wells Fargo policies. He replied they are Wells Fargo policies, not regulatory policies. I also advised him of the discrimination we feel the process has taken us through. He replied an internal investigation was performed and it was not found to be discriminatory. I advised him as I did XXXX that Wells Fargo recently settled with the CFPB in XXXX for discrimination specifically against XXXX XXXX   and it seems these practices are still taking place despite that fact and that I would be filing a complaint officially with the CFPB.

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 2019-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
My account number with Hyundai for a lease of XXXX XXXX is : XXXX I paid a lot of money as my monthly payment as of sales tax and I was all the way regular in my payment. I returned the car with very good condition and I spoke to one of the repair people from a Hyundai Dealership and according to his feedback " The car was in very good condition '' but their inspector charged me {$180.00} dollar on minor issues and also they are charging another {$40.00} as a tax on the lease termination. 
I spoke to their finance department multiple times and they were threatening me to report these amounts to the collection department and credit bureau. 
I tried to speak to their manager and they didn't allow me to talk to their manager. 
I tried to get the address so that I can file a federal complaint but didn't get sufficient help. 

They behaved like thieves who want to take money out of peoples pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Because I was impacted by the Equifax hack, and my husband 's laptop was stolen, I want to take steps to make sure my identity isn't stolen. When I tried to get my free credit reports from XXXX on XX/XX/XXXX, it asks for my full social security number, which I didn't want to give, since the hack of Equifax exposed social security numbers. I tried to find out if I have a freeze on Equifax, but they wouldn't tell me without giving my full social security number when I called them on XX/XX/XXXX. I was able to verify my freezes with both XXXX and XXXX  without revealing my full social security number. Is there a way to around giving both XXXX and Equifax my full social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
XXXX called relatives phone at approximately XXXX XXXX twice and stated they were Process servers for NC and VA.XXXX  called and stated they were with the IRS and they had a file on me.

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 2019-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  XXXX XXXX ( XXXX ) did not follow the Office of the Comptroller of the currency regulations ( OCC ). XXXX only stated that the information reported to the credit reporting agencies were accurate. Charging-Off a consumer prematurely without abiding by the OCC rules does not constitute fairness and shows unscrupulous practices. I disagree with the validity of the charge-off. 

I would like to know why weren't the rules of OCC followed and why was my account charged off prematurely. The OCC regulations state that an account can be charged off when any loan has been delinquent for a period of time " or '' deemed uncollectible. Based on my negotiations with BOA representatives, my debt had been reduced approximately {$6000.00} within an 8 month period. I was making payments when the account was charged-off which is proof the account was collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have requested paper work from citimortgage payment history from XX/XX/2005 to present with no avail. I was told by a company name XXXX XXXX  that they are now servicing my loan which I was not aware of. 

I requested for full payment history as well as pay off of loan to see all payments that involve prinicipal and interest estimated two weeks ago.. It was stated that it will be sent and it will not take long due to office being in area to ensure accurate information. It also appears my acct number is changed as well which concerns me being my main loan and this one is  80/20 loan harp modification loan. 

I made payment XX/XX/XXXX and was cashed by citimortg but XXXX XXXX states they don't have the payment from them. I have requested to citimortg to send them the payment as XXXX XXXX stated this is generally done but has not. 

I am frustrated because it appears that citimortgage have cashed this by my financial institution and payment for over a month now and may be causing me unnessary late fees and I want to ensure this is taken off my acct and reflected correctly.

I spoke to citimortgage and was transfer four times and spoke to someone name XXXX who continued to talk over me and instead of sending it to them has no real reason why they was holding monies who was supposed to be transfer to XXXX XXXX which was not. 

I requested for the agency that oversee mortgage lenders which is stated it was none which was not the case by the rep name XXXX. He needed additional training in all areas dealing with customers. 

Regardless of my serveral attempts to make sure my acct was rectified have no avail and would like this matter to be rectified and corrected with regards to any late fees and to ensure my modification and terms are honored. Thxs In advance any and all assistance is appreciated from your agency. 

Mrs. 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 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 I registered access to a " XXXX '' account through my USAA Checking Account. I was attempting to buy football tickets to the 2018 XXXX XXXX that night, and the seller ( named XXXX XXXX ) told me to use this as a secure payment method. Since it was through USAA, I felt safe that this was a reliable method of payment that would be backed by the company. 

Once I sent the {$1000.00} through XXXX, I realized this was a scam and the individual was not going to send me the tickets. I immediately called USAA and asked them to stop the transfer, but they said it was " pending '' and that I would have to call again on Monday, XX/XX/XXXX to file a dispute. I again requested them to cancel it since it was still pending, which meant it hadn't been received by the scammer and providing me some hope that there was still time to recover the {$1000.00}. However USAA was adamant I would have to call back on Monday. 

I called back on XX/XX/2018 to file a dispute, as I had paid for a service or product that was never provided to me. I received an email today that stated " Based on the XXXX Terms of Service agreement, the sender is responsible for resolving any dispute with the recipient regarding payment for goods, or services '', and they closed my dispute without offering me any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We have received certified mail regarding the status of our loan, According to the letter we are in default and must cure this by the XXXX of XXXX. We have called frequently and communicated our loan difficulties, especially after Disaster Harvey in XX/XX/2017. Our loan is now 5 months behind. This amount will not be cured by XX/XX/XXXX and we would like to know what our options are. We are ONLY interested in keeping our home and are doing what we can to cure this. Unfortunately, this remains a slow process but we are seeking remedies, including local, federal, state and legal assistance. This can not include any financial assistance because I am a federal civilian/military employee and must exercise benefits and rights under this position. We have called only to be told we have already utilized the only option available to us. A modification was already completed and we still await an answer to the tax portions of our loan. In the meantime, we intend to address this default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX and XXXX  are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices. 

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.

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