vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: SC

Complaint narrative:
I sent certified dispute letters to Transunion and XXXX on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.

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 2020-10-20 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: TX

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX ran a hard inquiry without permission resulting in a lowered credit score. I never visited this particular dealership and dont know how they obtained my information to conduct a credit check. Ive called and left my phone number with the secretary two weeks ago and was told someone will contact me regarding this issue. Ive called back and no one still has any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have tried to contact my Virginia child support eppicard because my card was hacked and used over seas by someone in XXXX and XXXX and every time I call them they put me on hold for 40-80 minutes and no one answered & Ive called 14 times in 3 days or when I try to call someone picks up and hangs up on me ...! & its foreign transactions & I need help getting my funds back but no chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). I would like to let your company FEDERAL ADJUSTMENT BUREAU INC XXXX know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor. 6. Name and address from the original creditor.
7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/2020 my chime account was hacked and all my money from savings and checking was sent to a stranger. I called them and pointed out XXXX dollars had gone missing. I filed a complaint, the man said they were hacked but I would prob not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

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 2020-10-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Consumer service card holder had the loadable only credit/debit card stolen and or lost on reported date XX/XX/2020. 
This is a PNC XXXX cash card account. 

In question is the financial institution as well as the associates of intentional fraud regarding the account. The card at this point is reported in use for criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX  XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX  XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX  XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX  XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: IN

Complaint narrative:
I called The credit bureaus on XX/XX/XXXX after noticing some inquiries on my report that do not belong to me regarding mortgage lending. I asked for them to be removed as according to the FCRA, legally these unverified and unauthorized items must be removed.

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 2020-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
This year I have tried to fix my credit and tried to refinance but unfortunate I couldnt because my credit showed I had like 8 missed payments on my mortgage. I tried calling land home and financial to see why I had so many payments that were late and they said they werent. All my payments were made between the 30 days thats why I asked why their showing 30 days late. Right now Im on furlough and Im trying to refinance my house to get a smaller payment but Im having a lot of trouble just because of the missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: SC

Complaint narrative:
I sent certified dispute letters to XXXX  and Equifax on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted two complaints and they were improperly closed. I have no resolution and the response to the CFPB is completely different to what I was told on the phone.

" We are responding to you and the CFPB explaining we understand you feel you did not request the short term payment assistance however based on review we confirmed you did request the forbearance and we are providing correspondence we sent confirming the short term payment assistance. '' This is a blatant lie. I never requested short term payment assistance. I requested information. The person on the phone today advised me today that there was an error in their system that put people illegally into forbearance and they fixed it and I never requested forbearance. " We also confirmed that the request to correct account credit reporting was updated to remove the comment code of account in forbearance
''. I don't want a confirmation of a request send. I want confirmation this was done.

" We recognize your claim that we did not follow Fair Credit Reporting Act procedures, and due to this, your request for restitution, that we have reviewed the request, and respectfully decline that request because we have no evidence to support errors that caused a negative effect to your FICO score. '' What is this. You admit you broke the law, and it caused my credit report to drop. But you won't do anything about it. What are you now reporting to the credit bureau the  week of XX/XX/XXXX. The prior complaint escalation contact would not tell me.

Why did the person on the phone advise me that Wells Fargo never sent me a letter on XX/XX/2020. I have the letter but according to him Wells Fargo never sent it. They told me on the phone it doesn't exist. I am attaching it this time.

This previous resolution is full of lies. All Wells Fargo does it lie and they deserve to be shut down and sued.

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 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
In XXXX, I was made aware an Attorney General Multi-State Settlement against Santander USA. I have reached out to them multiple times with regard to my auto loan and the settlement but they are unable to provide additional information. I believe my case should be included in the settlement due to subprime lending activities and failure to appropriate apply payments to my account. 

XX/XX/XXXX, I purchased a XXXX XXXX XXXX with financing through Santander USA. The purchase price was {$17000.00} with total payments of {$30000.00} and an APR of 19.55 %. Recently I noticed that many of the payments I made were going entirely to interest or varying amounts that do not increase. In order to understand these occurrences I reached out to Santander several different times. During one call the representive was unable to explain  the interest only payments despite the fact the on time payments. He advised me to make the payments ONLY on the due date and that the disperencies were due to my simple interest loan. During another conversation with a executive representative she suggested I make the payments before to avoid the entire payment being applied to interest. At the current monthly payment and APR the vehicle would not be payed off at the end of the contract. After 24 months of payments, only {$2000.00} has been applied to the principle. Several months I have payed more than the payment amount and still the entire payment has gone to interest only. I have made the payments on time and in full.

I allege that I, like many others were given subprime loans and outrageous APRs. I have attempted to reach an agreement with Santander USA but have not been successful. In addition I believe that I should be eligible for relief under the Multi-State Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was an unauthorized personal loan which was taken out in my name with XXXX XXXX XXXX in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from XXXX 's XXXX. I fill out all of the paperwork requested of me by XXXX XXXX XXXX, I had a police report file as well as the letter from my bank stating that no money from XXXX XXXX XXXX  was deposited into any of my accounts and was sent to XXXX XXXX XXXX  Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with XXXX 's XXXX  Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from XXXX XXXX XXXX, accept for a pre-printed denial letter generation. Please help me to clear up with situation with XXXX XXXX XXXX. Thank you.

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 2020-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
I received a letter dated XX/XX/2020 from '' XXXX XXXX '', informing me in this letter statement : " This letter is to inform you that we have received the request and will begin withdrawing the monthly mortgage starting on XX/XX/2020 ''. This amount was to be withdrawn from my banking account using my routing number and banking account number. But then I got another notice from " XXXX XXXX '' saying that " The Money Source '' ( TMS ) will begin excepting payment and managing my payments on XX/XX/2020. It turns out that TMS debited the mortgage  payment out of my checking account on XX/XX/2020. It used my banking information that it had on file from the previous times of me making my mortgage payments to TMS, that were set to auto pay electronically to TMS, before I even applied for refinancing through XXXX XXXX, on around XX/XX/2020. So because I was under the understanding that ( TMS ) would be debiting the payment for the following month ( XX/XX/2020 ), because of the auto-pay setting that debited the  XX/XX/2020 payment, it would make that next payment for me. But the payment was not made because TMS told me that the payment would not be automatically debited from my checking account that was, and still is, on file with TMS, to use to draft the payment. As consequence for  this XX/XX/2020 payment not being made, TMS reported me to the reporting credit agencies to let them know that I failed to make the XX/XX/2020 payment. Again, I was under the impression the payment would be automatically paid. This has had a negative affected on my credit score, in such a way that is preventing me from receiving refinancing at an even lower interest rate. I am veteran, and this has been a little confusing for me. Being a veteran is how I got this mortgage in the first place, and I do not think that I should be held responsible for the some what confusing information that I got from both of these companies regarding how the payment will take place. I have  always made all my mortgage payment on time with XXXX XXXX, as well as with TMS, before this latest incident happened. I hope that I can receive some fair help in dealing with this situation. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation