vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I provided all the proof needed to show Santander Consumer USA was chasing me for a debt from the fraudster who used my social security number for years until my wife passed away back in 2018. I contacted this company and they told me they were denying my claim, even with a stamped certified, notarized police report that this was NOT me, and I was a victim. This company lied its XXXX off in reply to my other complaint. I am including that letter of lies from them, and a shot of the account on MY CREDIT FILE, even though the fraudster had a different name, state, and address than me. Plus different work info. This company lies and placed that account back into my file after I gave this company my correct information. That is ILLEGAL. Taking my info after my ID THEFT claim, and putting it into the FRAUDULENT account. Stop them, demand this company to remove that fraud account from my SOCIAL SECURITY number innediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I found out that my previous mortgage company had reported me delinquent 60 days on my mortgage loan with Loan Depot. 

In XXXX I applied for their Forbearance Plan, due to being laid off for COVID 19. I received a letter dated XX/XX/20 stating we were accepted for the forbearance plan. This plan began XX/XX/20 through XX/XX/20. We sold the home in XXXX and the loan was paid off XX/XX/20. 

When calling Loan Depot I got transferred around 3 different time to 3 different Customer Service Representatives and spent an hour trying to get this removed. All 3 agreed that this shouldn't have happened, but none of them were able to remove this or get me to someone who could. When I was sent to the Forbearance Dept I received a never ending loop that only guided me to their website or email address and was not given any option to speak to a person. I did asked to speak to a Supervisor, but was told since they were working remotely they were unable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from XXXX while XXXX knew the debt was flagged as fraud and deleted attached is the correspondence.

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 2020-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac Loan Services , LLC violated federal regulations found in CFR Title 12 during the loan process with XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX. XXXX XX/XX/2019. 

Federal regulations within title 12, stipulate the standards to which an appraisal is to be conducted. When this appraisal was conducted it neglected to account for the access easement and its condition. 

The aforementioned property contains an Ingress and Egress easement through our property. There is an easement agreement between the owners of both properties. The XXXX have abandoned this easement due to lack of maintenance and failing to bring the easement into the standards stipulated within the easement agreement. Federal regulations require that these appraisals follow XXXX XXXX of Professional Appraisal Practice standards. Had these standards been followed it would have shown that the easement was not in an all weather road condition. The driveway within this easement contains a low water crossing through a perennial creek. During seasonal rains this easement is unpassable for hours to days and requires excavation to fix the damage created. The XXXX have the sole responsibility to maintain and bring this easement up to the standards within the easement agreement. We are dependent upon them to do this. As a result of this matter we are left without access to and from our home several times a year. This has resulted in lost work and without the ability to receive emergency services. This condition also prevents us from obtaining a FHA or HUD loan. 

While it is clear that the XXXX have the primary burden to fix the easement, their ability to obtain a loan with the easement in its current condition has allowed PennyMac Loan Services , LLC to also be implicated in this neglectful situation. If the appraisal was performed to the standardards stipulated within title 12 this issue would have been resolved. 

PennyMac Loan Services , LLC is in a unique position to provide a remedy for this affair, and we demand that this situation is retrafied. 

Attachments : Picture of seasonal creek condition Easement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CITIBANK, N.A.
State: MD

Complaint narrative:
my credit has been compromised, i never apply for any of this account please remove

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 2020-11-11 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 Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2020, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from LCS financial services corporation attempts to collect the debt for XXXX XXXX XXXX, that debt not belong to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MA

Complaint narrative:
I HAVE A CREDIT INQUIRY/REVIEW PULLED YNDER MY TRANSUNION CREDIT PROFILE # XXXX GEBERATED XX/XX/2020 THAT DISPLAYED A ACCOUNT REVIEW INQUIRY BY XXXX XXXX ON XXXX WAS NOT DOING BUSINESS WITH XXXX AT THAT TIME ..THE PROBLEM IS IT WAS NOT A PROMOTIONAL REVIEW IT WAS UNDER " ACCOUNT REVIEW '' /YOU CAN ONLY ACCOUNT REVIEW WITH EXISTING ACCOUN WHICH I DID NOT HAVE AT THAT TIME, NO MATTER A SOFTORT HARD IT WAS AND " ILLEGAL NON PERMISSABLE " REVIEW FOR I DID NOT HAVE AND ACCOUNT.I WANT TO KNOW FOR WHAT PURPOSE IT WAS [ PULLED.YPUR REPRESENATIVE TONITE SHOULD HAVE ROPENED A DISPUTE AND SENT TO XXXX AND HE JUST SAID CONTACT XXXX.I HAVE AND THEY DENY THE PROOF I HAVE PROVIDED WHICH I SENT TO TRANSUNION AND THEY SENT ME A LETTER BACK SAYING COULD NOT FIND IT.THERE WAS NO EXISTING ACCOUNT WITH XXXX TO REVIEW THAT IS THE POINT, XXXX XXXX XXXX @ XXXX  CUSTOMER ADVOCACY HAS RECEIVED THE PROOF AND HAS WRITTEN TO CPFB NOTHING EXISTS ..XXXX  IT DOES .I AM SUBMITTING AGAIN TODAY DENIED IT EXISTS IT DOES

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I demand a copy of the instrument of definitive documents of a second mortgage. From the Mortgage Servicing company PHH Mortgage which is formally Ocwen Mortgage Servicing company. 
I`ve had this mortgage for a number of years with the original lender XXXX XXXX XXXX Please provide documents for the discrepancy and the balance being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
30 day Late Payment for XX/XX/2020. 

Regions Financial Corporation / Car Loan Due to Covid. During the beginning of the pandemic I was working seven days a week & all hours of the day due to being an essential worker.

I have called twice and sent two letters ( one to the EVP of Customer Relations and one to the Credit Monitoring Dept ) explaining the reason for my late payment. All four times I am told that this is correct and they will not do a " goodwill removal ''.

This is the only late payment that I have had in almost three years. My account is current.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: CA

Complaint narrative:
I received a collection notice in the mail and i was devastated. The collection company says that I owed {$340.00}. Someone stole my identity and stole other information from where ever they got it from. The collection agency is called Total card Inc. The current creditor is called XXXX XXXX XXXX XXXX the original credit account number is # XXXX the file number is # XXXX. I have XXXX and i was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
On XXXX XXXX I went into XXXX XXXX BMW to lease a new car. I test drove a car and filed out an application and then was told my the sale advisor that the finance dept is closed that they will call me on Monday XX/XX/XXXX to run my credit and get the process going. Monday XXXX called me and informed me that BMW didnt approve me and if I had a co signer. At the time I didnt so I called me back to request to pick up my check that I left for a deposit of {$1000.00}. On Wednesday XX/XX/XXXX I got noticed from my bank that the dealership cashed my check. I told with XXXX asking him why would they cash it if I was denied a loan/lease. He told me that once funds go too billing they deposit everything and that he will contact them to get me a check and they would mail it to me. I called few times and on Saturday XX/XX/XXXX I spoke with XXXX who and he informed that he signed off for me to get a check. I never heard or received the check and today is XX/XX/XXXX. I email the DM this morning and expressed my issue and that I would be there today to pick up. I got there at XXXX and XXXX informed me that he have to check with the finance dept and he will give me a call tomorrow at XXXX. I dont understand why would they cash my check if I wasnt approve to get a car. I feel like Im getting the run arounds about my money and how would they not give me my check/money back and its been 2.5 weeks and nothing yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC
State: NE

Complaint narrative:
Received a collection letter on XX/XX/XXXX from XXXX XXXX XXXX which is owned by Reel Time Capital, LLC ( a company created for a foreign entity in XXXX in XXXX, FL ). See recent CFPB complaints XXXX and XXXX for information on the XXXX XXXX XXXX XXXX. 

Today, we received a call from the company. Following are details of that call that we also provided to the Nebrasaka Attorney General 's Office : - The call came from the company that XXXX XXXX XXXX turned over the collections to at about XXXX XXXX CT. 
- The call came from number XXXX and the person introduced themselves as Mrs. XXXX. 
- Mrs. XXXX said that she was calling us about our outstanding XXXX loan. When my wife said that we never opened a loan, Mrs. XXXX asked if we had a case number from a police report. She also said that they have more information for us, but we have to validate ourselves to them. 
- My wife said that we would not be providing any more information since we did not open any loan with anyone. Mrs. XXXX then said that they would continue to contact us and that the loan will not go away. As my wife started to ask another question, Mrs. XXXX abruptly hung up on her, - The number left by Mrs. XXXX to call her back was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have had a credit card or line of credit with Wells Fargo for installation of floors with XX/XX/XXXX.. I began this relationship in 2014 whereby I replace the first sets of floors on the level of my house. The cost was approximately {$3200.00} with an intertest rate of XXXX and monthly payments of {$140.00} for 48 months. When I have paid off more than 1/2 of the balance, I would call for the next stage of replacing floors, that was an additional {$2000.00}, with the same rate and monthly payment. This year I called for another phase of floor replacement. This time the cost was {$3900.00}. I signed the same paperwork. 
I recently received the monthly payment with a totally different payment plan. 
The payment went from $ XXXX $ XXXX/month with an interest rate of XX/XX/XXXX %. I contacted Wells Fargo by e-mail and phone and inform them that that was not an agreement with XXXX XXXX. ( written or verbal ) Wells Fargo does not have any agreement in writing for the change in payment and interest. I have NEVER been late or missed a payment, my credit score does not warrant such an increase. XXXX XXXX did not inform me of the increase and or change in payment or interest rate otherwise I would not have agreed to the flooring.

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 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
The company that which goes by, SCA COLLECTIONS XX/XX/XXXX the original creditor was XXXX XXXX XXXX has taken a debt out under my information and credit file of {$260.00} from the date of XX/XX/2014. I was never at the place there talking and have tried contacting them but seems like all they want to get is a card number and my information. I have tried to get it straightened out but I feel like all they want is my money for something to do nothing about or with me or involving me. There hurting my character figure and financial well being.

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 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I fell upon hardship during Covid-19. I lost my primary job and was placed on furlough for my secondary. On XX/XX/XXXX, I was laid off permanently from my secondary job. When I spoke to the loan company, ( Capital One ), about having offer letters and starting back to work, they seemed less interested in trying to help me. I also complained about the fact that I attempted to answer the phone from the company on multiple occasions and the agents would hang up immediately. I have complained about the agents hanging up for the better part of 3 years. I think the company is attempting to tack on fees in order to turn my account over to collections and are attempting to threaten my credit with a blemish in an attempt to make me pay more quickly. I also think that agents were hanging up so that they could document non contact in order to send the account to collections. I have only ever had one contact with the company by mail starting XX/XX/XXXX and that was after I told them that I had gained employment and they stated they were no longer willing to work with me to get the payments up to date. When I called them, I was told it would take 24 hours to get back to me and no one ever did. On other occasions when I asked for the Office of the President, I was told that I could not be transferred there, they were unavailable, or they refused to transfer me to a Supervisor or Manager.

Company response to consumer: Closed with explanation