vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services LLC refuses to acknowledge and respond to Borrowers requests for information. In a request for information dated XX/XX/2022, in which the Borrower requested Carrington provide the Borrower copies of specific information relating to their loan modification determinations that adversely affected the Borrowers loan. Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Further, on XX/XX/2022, the Borrower submitted ( for the third rime in 2022 ) a request for a copy of their mortgage file. Again, Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Both letters were emailed and faxed to Carrington. Borrower received confirmation of successful transmission of facsimiles. These discovery requests and their associated production by Carrington is essential and necessary to the pending actions the Borrower is compelled to take in order to access all of the Federal mortgage relief programs this VA loan is eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
In XXXX of this year I went to XXXX to begin cell phone service since I had just gotten a divorce and wanted a new phone and account. At that time I was told they could not offer me service because I had an outstanding bill. I have never had an outstanding bill. So I called XXXX and they directed me to a website that looked unofficial. On that website all it said was to fill out the form and submit my drivers license, social security card and other personal date that I was not willing to submit. I did speak to the collections agency a month later and they said not to worry about it because it was being being reported. I have had medical issues since then so I dropped it. Now I have disputed it through experience two times and no one can give me proof that it was my account. The company can not prove that I bought anything or signed anything from XXXX at my home address. 

I need to know what next steps I can take to repair my credit Thank you XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have been unable to monitor my bank accounts properly for about a month due to XXXX XXXX XXXX XXXX. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. XXXX claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final XXXX of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked.

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 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
First time I found this company was trying to collect on this debt it was on my credit report. Never received a phone call or bill because this is not my account. This is a fraudulent account. Set up without my knowledge or permission. Advised XXXX the customer service rep of this company Franklin collections. She was rude would not listen she only wanted to talk would not me explain my side of the story. Told me I need to file a police report and press charge. I dont have any info about the account. All I was given was the address that they have added to my credit report. I have been at my address over 30 years! XXXX XXXX XXXX XXXX XXXX Ca. She talked to me like a child! Telling me to listen! Very rude and condescending. When I asked her to send me the paperwork to fill out she disconnected the call. Very unprofessional and rude. Will not be calling back, obviously will not be able to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of this account on my credit report. I have written and called multiple times. I've requested proof of the account legitimacy. I still have not received anything from the company or the credit bureau showing my ownership of this account, or in fact who it truly belongs to.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested a copy of my signature giving the following companies permission to view my consumer report. 

Company name Inquiry Date XXXX XXXX XXXX XXXX XXXX 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 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
I went to a medical facility for treatment and incurred a debt. At the time I requested to pay my portion but was told it had to be filed with my insurance first. I never received a bill, an EOB from XXXX, nor any phone calls or emails informing me of my owed portion. I only became aware of it, when I checked my credit report to notice my score had dropped some XXXX points. I was never given the chance to pay the debt, and even when I pay it now my XXXX XXXX will be affected for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I logged into my account online at experian.com. I then was greeted with a message stating Unable to Verify Identity. I was then prompted to call XXXX XXXX. I called the number as instructed. On the phone I spoke with a live agent. The agent instructed that I send a copy of documents to verify my identity to the address po box XXXX, XXXX, TX XXXX. I did that and waited 3 business days. I XXXX XXXX again. The agent on the phone verify my information with me through a series of personal questions regarding my credit report information. I asked the agent for their name I was given " XXXX '' .I also asked for an ID # from the agent, that request was denied. It is now XX/XX/2022 XXXX XXXX.I am in the process of purchasing a home and this issue with Experian is hindering the process.

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 2022-11-15 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: TX

Complaint narrative:
XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I contacted XXXX XXXX to purchase a new phone on their website. I was going to pay with my credit card and saw that they offered o % financing. They had also XXXX which I have used before. XXXX had a small fee. However, it looked like XXXX had its own financing. I clicked on their financing and that was XXXXXXXX XXXX  a month. I thought I was set up for auto-pay. I had not received any information from XXXX for a couple of months. I tried to find their number on their site. I could not find it. I called XXXX and they told me they do not do financing. It turns out the company was XXXX XXXX. I called up XXXX XXXX and got TD bank to my XXXX. A young lady answered I told her I had autopay. I only received a bill with a late payment from XXXX XXXX I tried to pay my bill with my debit card but was told I could only use my account. The young lady took my information and waived my late fee. She told me I had a TD Account which I did not sign up for. Their Collections dept. canceled the payment and charged me a return check fee and more late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I filed the complaint in XXXX. Santander responded but didnt address my issue. My complaint was closed but not resolved.

During the modification process, Santander failed to keep in contact with me and didnt explain all my options. When I was able to reach someone I was given inaccurate information which miss-leaded me. I was instructed to sign a modification that was more expansive than what was available at the time. I was advised that the rate will get adjusted later if I request it separately. When I made the request, I was told that since I signed into a program, no changes were available. Santander apologized for the lack of communication, but didnt do anything to assist me with reducing my rate and payment to an affordable level.

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 2022-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of in formation Any other adverse item of information, other than records of convictions of crimes which antedates the reporte by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-15 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: TX

Complaint narrative:
Trans Union XXXX Did not delete incorrect errors on credit report as requested. 
All errors are not consistent on all the credit agencies.

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 2022-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX TX, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Between XX/XX/2016 and XX/XX/2016, I was a victim of identity theft. Someone had stolen my purse with all my personal belongings in it and started opening all kinds of credit card accounts ( 4 in total ) in my name they even went as far as changing my address through the postal service I ended up finding out when they tried to open a XXXX XXXX account, but didn't know I already had one and XXXX XXXX contacted me and I contacted the police about the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-11-15 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We received a notification back in XXXX, 2022 regarding a credit on the account. After several months and attempts to inquire about the credit on the account, it has not been received. By now we thought the credit would have been applied to the account. 

We are asking that you open an inquire regarding this credit on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My car loan is financed through Exeter. I experienced a financial hardship that caused me to get behind in my car note {$2000.00} which included late fees. I paid the balance. I got back on track with my payments. I mistakenly double paid my car note which showed as a charge in my online account as opposed to a credit so I called Exeter. Nobody ever mentioned outstanding late fees or that the overpayment could pay any outstanding late fees. I just log in and pay what it shows i owe. I log in and it says I owe {$900.00} instead of {$620.00}. I call on XX/XX/22 and am told a request would be made to have the payments applied to late fees and it would take 72 hours. I follow up on XX/XX/22 told its still not done. I call XX/XX/22 and was told it would be done that evening I call XX/XX/22 and the rep doesnt know what Im talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH ANY OF THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX DELETE/REMOVE 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 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
BSI Financial Services is my mortgage servicer. I have paid down a large amount of my loan and requested a recast of my monthly payment on at least XXXX occasions. They refuse to honor my request. 

www.bsifinancial.com myloanweb.com/BSI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I the consumer received in the mail correspondence related to an alleged debt owed. It was sent from a third party that I never gave permission to make contact. My privacy was violated and further this communication indicates a credit that should be in good faith refunded to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
Attn : Office of the CEO I was traveling overseas and had access to my mobile banking. I checked with their agents today and XXXX is not a blocked country. However, I could not log into my account and called customer service to try to unblock. Despite multiple verifications ( of which a fraudster could not accurately have access to ), my access was not enabled. I wanted to transfer funds from one of my accounts to another to cover a pending item. Despite numerous calls and attempts through automated system, etc. I was not able to. 

They advised that the only way to resolve was to go into a branch upon my return to the USA. I like in Georgia now and they do not have branches. To make matters worse, I was charged overdraft fees for those accounts ending in XXXX and XXXX totaling {$45.00}. 

I am requesting a refund of these fees as I had funds available to be transferred but their agents would not help me through the multiple avenues available. 

This was a terrible experience and where common sense should overrule procedures. Asking someone that has verified very detailed questions about the account to come to a location from overseas is absurd.

Company response to consumer: Closed with monetary relief