vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
American Education Services claims in a previous Complaint that they have provided reasons for all the complaints submitted to the CFPB. 

AES is deflecting their criminal actions by trying to blame the consumer for their negligent behavior. These people who respond to these CFPB complaints are not doing their jobs or investigating anything properly. They are simply speaking to their superiors who are probably embezzling funds or are involved in some sort of drug operation which is meant to bankrupt the average everyday taxpaying American. When the company can not even admit that recording phone calls in Pennsylvania without the other party 's consent is against the law, the period of denial is now pathological deceit. 

If AES can not follow the Wiretapping Laws in Pennsylvania, then AES will likely end up paying a district court for willingly breaking the law for failing to obtain the necessary preparatory technology to not record consumers when they have already made several demands for them to not record the calls. Recording Phone calls in Pennsylvania without two-party consent is illegal. AES is being put on notice to cease and desist with all recordings for any future calls I may make to AES. Failure to do so will create more evidence that may be brought against AES for being negligent in abiding by the Pennsylvania Wiretapping Law. 

CFPB Complaints will be consistently made until AES can rectify their unforgiveable behavior and offensive degradation of duty. These will also be used as pieces of evidence which are currently being built against AES to prove to the judicial auspices that corrupt individuals can still be found employed at AES and within the board of those financial overseeing companies. This is called a conflict of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian is not reporting a credit card that has been reporting information to them. XXXX XXXX has been an active account with a {$300.00} limit for time now and it does not reflect on CRA Experian. It reflects on the other, but not Experian.

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
CMG Financial I refinanced my home and CMG purchased the mortgage. They did not update the insurance company and subsequently my insurance was canceled. The company gave my insurance company the run around and it took nearly 3 hours of phone call between the 2 companies to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This is a formal complaint against TD Auto Finance located in XXXX XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, TD Auto Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX- XXXX UNVERIFIED ACCOUNT XXXX  XXXX NOT MY ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1969

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 2021-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to the Credit Bureaus on XX/XX/XXXX and on XX/XX/XXXX and I am not understanding why Experian and XXXX  is not responding to my dispute requests at all. This is not right. I want these negative items deleted immediately. 

XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX- XXXX NOT MY ACCOUNT US DEPARTMENT OF EDUCATION- XXXX-UNVERIFIED ACCOUNT US DEPARTMENT OF EDUCATION- XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas 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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I accepted credit card payments through Square and they deposited the net proceeds into my bank account. I do business in XXXX XXXX, FL. Without my authorization, they issued a digital account and authorized fraudulent charges is another city. They mailed a physical card to another city, XXXX, Texas. I discovered the fraud when they did not deposit two transactions into my business checking account from : XX/XX/21 {$60.00} gross XX/XX/21 {$220.00} gross I have contacted them five times without response. They say that they stopped the physical card and closed the virtual account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
XXXX XXXX is calling me from XXXX saying that they have a Mediation against me with Wells Fargo for a credit card that I had with them and that I owe them over XXXX dollars. I have never had a credit card with Wells Fargo and I told this company this and they said they were going to be taking to me court to pay this amount. They had my maiden name and not my married name and this account was from XXXX. This is XXXX so obviously this is a false account. I asked that they not call me anymore but within a few minutes I received another phone call from this company. I would like for this to stop.

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 2021-07-27 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: LA

Complaint narrative:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to the Credit Bureaus on XX/XX/XXXX and on XX/XX/XXXX and I am not understanding why XXXX  and Equifax is not responding to my dispute requests at all. This is not right. I want these negative items deleted immediately. 

XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX  XXXX- XXXX- NOT MY ACCOUNT US DEPARTMENT OF EDUCATION- XXXX-UNVERIFIED ACCOUNT US DEPARTMENT OF EDUCATION- XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX- XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My FHA home mortgage loan has a loan to value ratio of 44 % but the bank will not remove the mortgage insurance.

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 2021-07-27 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: LA

Complaint narrative:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

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 2021-07-27 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: IL

Complaint narrative:
I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX XXXX  was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

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 2021-07-27 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: CA

Complaint narrative:
Chrysler Capital along with its parent company Santander, utilizes unethical if not illegal practices in the way they misrepresent the handling of unpaid fees and charges. For example whenever I called to inquire about my bill, the representative would always quote the total amount due including unpaid fees and charges. It took a long time for me to figure out that paying the quoted amount did not eliminate the unpaid fees and charges. Once I realized what they were doing, I finally called to complain that the representatives are misleading the customers by making statements as follows : the total amount due including unpaid fees and charges is $ XXXX. They explained that I would need to make a separate payment specifying that it be applied to the unpaid fees and charges. But, the representatives dont explain that technicality when misrepresenting the total amount due. 
For example, I have attached the XX/XX/XXXX & XX/XX/XXXX statements. ( I couldnt find XX/XX/XXXX statement. ) In XX/XX/XXXX, I made the full payment including unpaid fees and charges. I noticed the unpaid fees and charges carried over into the next month. I called and protested the way the payment was applied. The representative tried to convince me to not payoff the unpaid fees and charges. After speaking to a supervisor, they finally broke the payment up to make sure unpaid fees and charges were paid. I wonder how many times this happened during life of the loan. 
My loan was originated XXXX of XXXX for {$16000.00}, with the final payment scheduled for XXXX of XXXX, which is this month. However, the current balance on the loan is {$10000.00}. I received a few extensions but not {$10000.00} worth of extensions. On Tuesday XX/XX/XXXX, I spoke to XXXX ID # XXXX and asked for copies of statements from the inception of the loan to the present. I was advised that they can only provide statements for the most recent 12 months. They are able print a history of payments but not the actual statements. 
I would like for a financial forensic accounting to be done on my loan. If its found that I have been overcharged as a result of this unethical practice, I would like to be compensated for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

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 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused XXXX  to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
After having paid SN Servicing Corporation {$24000.00} in " Trial Payments '' and Good Faith Payments from XX/XX/XXXX to recently XX/XX/XXXX and not having missed ONE payment and having them falsely charge me late fees ( I have all my bank statements and Postal receipts to prove they received payments before the due dates ) they have offered me a bad loan ( I have consulted with ten different financial and legal firms who all confirm it is a bad loan mod ), and because I filed Chapter XXXX and I have questions concerning this loan mod, SN Servicing Corp REFUSES TO SPEAK WITH ME TODAY AND the Bankruptcy Firm that I filed with REFUSES TO RETURN MY CALLS. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD

Complaint narrative:
They are working with me to do settlement for my account. I keep getting these threats from atty and that XXXX but the loan company does not know anything about this attorney and telephone number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a trade line from XXXX  XXXX  in my Equifax file. All payments were accurately reported until recently, in which they are only reporting TWO of the payments, despite the account being paid off and closed in XX/XX/XXXX. I have confirmed telephonically with the creditor that they have made no reports on then account since XX/XX/XXXX when the final report was made. All payments were made on time, and did appear on the report until recently. This has negatively affected my credit score and thus decreases my chances for better credit opportunities. There was no reason to delete that info, other bureaus have it, and Equifax should not be altering the reports in this way. I have verified with the creditor that the information Equifax is reporting is incorrect Additionally, Equifax online disputing does not allow for disputing closed accounts. I called Equifax, only to find that they use offshore call centers, placing my and others financial information at extreme risk. 

I have copies of previous reports in my files, and can provide you with a copy of them, if necessary, for your review. 

I trust you will be able to enforce the ACCURACY requirements of the FCRA and other laws on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Tesla, Inc.
State: CA

Complaint narrative:
I signed a PPA lease Agreement with Solarcity for a solar system installed on my home that gave me the option to purchase the solar system after 5 years at fair market value determined by an independent 3rd party appraisal per the agreement. Solarcity was taken over by Tesla. I have requested a payoff from Tesla for the last few years. Despite wear and tear, the payoff price for the system theyve given me has increased dramatically from the original quote I was given years ago to now over {$70000.00} for the system. Ive inquired with them as to how theyve determined these prices and theyve been unwilling to be transparent with that process. Ive asked if they would identify the independent 3rd party that is determining the fair market value and they were unwilling to divulge that information stating that is was proprietary information. I dont believe Im the only person running into this issue with Tesla regarding their solar PPA agreements and I just want to be certain they are indeed giving me the fair market value price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase " owns '' my mortgage ( i.e., it is an internal Chase Loan ). This mortgage has been part of a mortgage forbearance program which, as of now, is due to end on XX/XX/XXXX. 
I have applied for mortgage assistance through JPMorgan Chase, as well as have applied to receive federal mortgage aid from the Homeowner Assistance Fund established as part of American Rescue Plan which became Federal Law in XX/XX/XXXX. 
XXXX Chase initially provided me with five ( 5 ) assistance options : 1 ) Modification 2 ) Forbearance Plan 3 ) Repayment Plan 4 ) Short Sale 5 ) Deed-in-Lieu of Foreclosure After further review, they informed me I was only eligible for the : 4 ) Short Sale & 5 ) Deed-in-Lieu of Foreclosure options. I requested in writing, but have NOT received, an explanation of why I wasn't eligible for : 1 ) Modification ; 2 ) Forbearance Plan ; 3 ) Repayment Plan I NEED to receive a full and complete explanation from JPMorgan Chase.

The Homeowner Assistance Fund in Texas will not start to be disbursed until XX/XX/XXXX ( which is after the current federal foreclosure moratorium date of XX/XX/XXXX ). I need to ensure my loan does not become endorsed for foreclosure after XX/XX/XXXX and prior to my receipt of federal funding pursuant to the American Rescue Plan. 

I believe the CFPB 's recent Final Rule, Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures ACT ( RESPA ), Regulation X, protects me from any possible foreclosure activity until XX/XX/XXXX. I have sought confirmation from JPMorgan Chase that no foreclosure activity would commence before XX/XX/XXXX and Chase has NOT responded to me. 

Finally, the CEO of XXXX XXXX Bank ( a competitor of JPMorgan Chase ), publicly stated at the United States Senate Committee on Banking, Housing and Urban Affairs Meeting on XX/XX/XXXX, that for loans they own ( i.e., like Chase " owning '' mine ), XXXX XXXX extended its foreclosure moratorium until the end of XXXX. It seems like Chase should easily be able to do the same for me.

Company response to consumer: Closed with explanation