vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
Repossesion occured and payments due to company were made fromXX/XX/XXXX7.  The car was not three months past due. They added more fees. I made multiple payments to those fees and the monthly note from my banking accout. I am still told That I owe repossesion fees late charges etc. I have my payment history which reflects I was current and have not sucrssfully resolved rhe matter. I have spiken to five supervisors. I reduse to pay anymore. My loan should be paid off on XX/XX/XXXX. Thw company has me owing a balance of over {$10000.00} still. They have not creditedbpayments correctly to my loans. They also add late charges when my due date is on the XX/XX/XXXX of each month. The company is Santander. I purchased the vehicle in XX/XX/XXXX. The interst rate was over charged to me with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NC

Complaint narrative:
I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the XXXX XXXX XXXX in providing me with the verification information that was used to verify my dispute.

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 2018-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management
State: AL

Complaint narrative:
A collection company by the name of XXXX XXXX will call me multiple times a day and makes several threats about the account they own and that I have a choice of paying the debt or will have me arrested and prosecuted for check fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
XXXX XXXX has sent another debit to XXXX XXXX XXXX. I have already filed a dispute in the past that the XXXX debit is not authorized by me. My oldest son had falsely opened the cable account in my name. I'm getting frustrated that they keep sending this account to collections and I have proven that I am still a current user with charter and that account was not opened by me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying for months to get a copy of my credit report from Equifax and the website always tells me my information doesn't match their records or that they are unable to process my request ( no reason given ). My information was amongst those affected by the data breach and I already know of one erroneous item on my credit report ( which I had corrected with the other agencies in less than 24 hours ). I can't dispute the account without a confirmation number from a credit report they won't give me. It simply shouldn't be this hard to get a credit report ; it certainly isn't a problem for potential creditors. I've tried the phone number but there is no option to talk to a live person so it tells me it can't help me. My only option seemed to be to send my personal information by mail to these people but it seemed extraordinarily risky. I went ahead and sent them copies of my lease and social security card. I am waiting for some response to this request. It seems to be very easy for everyone except me to get hands on my personal information with Equifax. I have had no problems at all with the other credit reporting agencies. Their systems are very efficient. Equifax is too inept to have so much power over people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo 's website has been down for a week. I have gotten this message every time I try to log in : We're sorry, our system is temporarily unavailable Our system is currently unavailable, and we apologize for any inconvenience. Please try again later or call us : For account questions, please use the phone directory to find the appropriate customer service number. 
To pay a bill : XXXX For assistance with brokerage accounts : XXXX To apply for an account : XXXX ( XXXX ) To find out more about Wells Fargo accounts and services, customer service options, and locations, please go to our homepage. 

I can not log in to view my charges. They will not give me an idea of when it will be fixed. This is particularly troubling because I can not log in to pay my bill, and I have had fraudulent charges on my bill in the last two weeks and I can not log in to ensure these charges were 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 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX had contacted me prior to adding a collection account to my credit report. At that time I advised them that the account did not belong to me and was most likely due to losing my wallet some time ago. Since that conversation the debt that isnt mine has been added to my credit report and is reflecting negatively bringing my score down and making it impossible to obtain a mortgage for a house for my family. If I had the money to pay the balance off I would do so but dont believe it is fair since it doesnt belong to me and due to my own medical issues isnt feasible. I ask that XXXX XXXX please stop trying to collect on something that doesnt belong to me and stop making my life more difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: OK

Complaint narrative:
I have disputed this account more then 5 times with XXXX, Experian, and XXXX I also disputed it with XXXX XXXX collection, when XXXX finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to XXXX and Experian showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with XXXX  and Experian not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to XXXX And Experian SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT XXXX AND EXPERIAN ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO XXXX  , AND EXPERIAN PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.

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 2018-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
We have been working with OCWEN Mortgage for over a year, for a Short Sale. We have been denied modification several times. Every time we are near an approval, from OCWEN, we are put on hold. Now, at the ninth hour we find out after my conference call with my new relationship Manager whom I asked specifically if we are on the Scheduled Foreclosure list on Thursday XX/XX/XXXX when our Purchaser was anxious awaiting an approval that we were not on the list, but placed on the list the very next day and then put me off until the XX/XX/XXXX when they scheduled an appointment the following day XX/XX/XXXX. OCWEN has done nothing but delay, distort and confuse me, XXXX XXXX XXXX, during the entire process. OCWEN has always acted in Bad Faith. I believe OCWEN intentionally acted in bad faith and intentional negligence to prevent me from receiving moving expenses from my family home for over 50 years. I also believe that they sent out another false inspection friend of OCWEN on Wednesday, XX/XX/XXXX when I was scheduled for sugary and made myself available to show the property to the inspector who was a friend of OCWEN and Purchases Distressed Properties and intended to Buy this Property directly from OCWEN. Given all the above we pray that OCWEN approve the existing contract for over a year, pay my moving expenses as per contract by acting in good faith for Once. 

Please help me. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: OK

Complaint narrative:
FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, transunion, XXXX, and XXXX  has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, Transunion and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.

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 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I opened a Citi Priority account as part of a promotion offering XXXX thank you points for depositing XXXXUSD in the account and performing the following activities within 60 days of account opening : 1. qualifying bill payment for 2 consecutive calendar months. AND 2. Make qualifying purchases using your Citibank Debit or ATM Card ( from the promotion email ).  Once completing those, the terms stipulated the points will post within 90 days. Indeed, in XX/XX/XXXX I completed the required activities, and on XX/XX/XXXX I received an email ( attached ) indicating the points will post within 30 days. When the 30 days ended and the points did not post, I contacted customer service which said theyll investigate the matter. A few days later, I received the results of the investigation, again promising the points will post within another 30 days. They did not, and after contacting CITI bank twice more ( on XX/XX/XXXX and XX/XX/XXXX ) and receiving no response, I am now submitting this formal complaint.

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 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts reappeared to my credit report. I am requesting to have them removed and block as they are costing me a lot of stress like XXXX XXXX XXXX XXXX.i 'm a single father of XXXX kids that I need to send to school These accounts were due to identity theft and are fraudulent. 





XXXX XXXX XXXX XXXX Status Closed Balance {$5600.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9300.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6100.00} Type Collection Payment Status Late XXXX XXXX  XXXX Status Closed Balance {$9700.00} Type Installment Loan Payment Status Late

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 2018-05-27 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: IL

Complaint narrative:
Security freeze was placed on my account last year. I want to lift the freeze now. Have contacted the company, and it did nothing. Submitted requested forms in writing a month ago, promised resolution in 10 days, and nothing happened. All I want is for these people to lift the security freeze I placed on my account last year. They are not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: OK

Complaint narrative:
FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/2018 I have disputed this account with XXXX, XXXX, equifax, and XXXX has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The XXXX opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then Equifax, XXXX and XXXX are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/2018 to validate and provided me with documents for they have had plenty of time to have this proof on hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: OK

Complaint narrative:
FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/XXXX I have disputed this account with XXXX, XXXX, XXXX, and experian has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The FCT opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, XXXX and Experian are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/XXXX to validate and provided me with documents for they have had plenty of time to have this proof on hand.

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 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert XXXX XXXX XXXX XXXX entered a derogatory collection account due in the amount of {$340.00}. In result of Equifax dispute, XXXX XXXX XXXX back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. XXXX XXXX XXXX XXXX is not in good standing in the State Of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: SC

Complaint narrative:
Hello. My name is XXXX XXXX. I filed a dispute on an account, XXXX XXXX XXXX who bought the debt from XXXX XXXX XXXX, that I paid off on my credit report for an account that is at a XXXX balance on my report on XX/XX/XXXX. On XX/XX/XXXX the account was removed and immediately reapplied to my account under derogatory remarks which dropped my score 31 points. Then on XX/XX/XXXX the account was once again removed then reapplied to my account dropping my score down another 79 points. Now the account sits in me derogatory accounts keeping my score low with a {$0.00} balance. I have called them multiple times to ask why the account has been removed and reapplied lowering my score more and more each time but they fail to give me an answer each time. I ask why it wasnt just left alone until the dispute was finished and again they fail to answer my questions and to fix the problem. They finished the dispute XX/XX/XXXX and I tried calling again after the dispute was finished to ask why it kept being removed and reapplied, or why it is still in my derogatory section and they still could not give me an answer nor were they willing to look into it and fix it. I have been trying really hard to fix my credit score but equifax has done this on multiple occasions where they remove an account and reapply it to lower my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
Trident Asset Management LLC was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert Trident Asset Management LLC entered a derogatory collection account due in the amount of {$340.00}. In result of XXXX  dispute, Trident Asset Management back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. Trident Asset Management LLC is not in good standing in the State Of Maryland.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation