vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the annualcreditreport.com web site. I was not able to get my credit report online at the time. In XX/XX/XXXX I received a post card with no date and no company information. It was open for anyone to read. It was also addressed to XXXX XXXX XXXX. I am XXXX not XXXX. The post card stated that I needed to provide documents. 

About XX/XX/XXXX I sent in a copy of their post card requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

I received a response to my credit report request with information about a credit report dispute. It was one page front and back. It seems to state that it was a credit report. No credit report was included. As far as I knew the credit reporting companies require a credit report number to be included with a dispute. I still do not have a credit report and therefor I have no way to dispute something in 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 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc.
State: CO

Complaint narrative:
XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 Franklin Collection Service was rude on the phone when asked for company name, phone number, and address. Had to call back 4 times to get the information. The company tried to defend their actions stating their local time is passed XXXX XXXX. I explained to them that if they have my account information, then they should have my address information showing that I live in Colorado. Even after I expressed my disapproval of calling before legal hours, they called again the next day before XXXX XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
My mortgage was sold to Flagstar in XXXX. All notifications were sent to the rental property address not my mailing address. My tenants threw out the mail, thinking it was junk mail. When the mortgage was sold, Flagstar did not make sure the information used by the prior lender was accurate in their records. The former mortgage company DID have a different mailing address that they used to mail me statements for more than five years. The correct information was available to Flagstar. For two months my auto payment was forwarded by the prior lender to them and no-one checked to see why I hadn't changed where I was sending my payments. When I was called about collections, they wouldn't tell me why they called and which mortgage it was in reference to, they were dismissive about my frustration and failed to see how their system of not obtaining correct mailing address information was a problem. ( What if my property was rural and my mailing address was a po box . ) Their customer service was bad. I asked to talk to a supervisor and she was rude and blamed me for not noticing that my auto payment was returned. The whole experience was frustrating and made me feel like it was set up to obtain financial penalties.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Priority Financial Network
State: CA

Complaint narrative:
On XX/XX/XXXX My wife and I received a loan estimate for a {$450000.00} loan to refinance our home. It reflected {$1200.00} for services we could shop for. We signed and submitted our intent to proceed the same day and did not change or shop for service providers. On XX/XX/XXXX we received another loan estimate from the same mortgage company where the appraised value was changed from the estimated {$600000.00} on the original Loan Estimate to {$600000.00} appraised value on the second Loan Estimate reducing the loan to value from 75.00 % to 74.38 %. Loan amount and the interest rate were not changed. However, services that we could shop for were increased from {$1200.00} to {$1800.00}. I alerted the mortgage company and stated that we did not choose or change service providers and these fees should not be higher. I received no response. The next day on XX/XX/XXXX we received closing disclosure that reflected the same higher fees for these services. The loan closed on XX/XX/XXXX where the interest rate and the loan amount were exactly the same as the original Loan Estimate, but the final closing statement reflects {$1800.00} for services that we could shop for which is {$530.00} more than the amount reflected on the original Loan Estimate. I contacted the mortgage company on XX/XX/XXXX and requested a refund of {$530.00}. They refused and stated that even though we did not chose or change service providers, provided the intent to proceed in a timely manner, and there were no changes to the loan amount, the interest rate, credit rating, or other documentation, they were in full compliance and would not issue a refund.

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 monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank keeps calling with repeated offers to lower my credit card rate, i have asked repeatedly to be removed from their list!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX ; I submitted the XXXX XXXX Discharge Application to my student loan servicer-Nelnet. I explain during the initial phone call that my loans were already paid in full. However, I was told that I could submit my package anyway and see what would happen. I submitted my application ; and I was approved. I was told that I would be refunded all paid loans from XX/XX/XXXX to present which totals over {$26000.00}. I was then told that I needed to wait 180 from the date of application which would put me at XX/XX/XXXX. I have called several times to Nelnet and to the Department of Education and I have not gotten anywhere. When I called in XX/XX/XXXX ; ; I was told that I needed to wait until XX/XX/XXXX before I would receive my refund. Then on XX/XX/XXXX I received a phone call from Nelnet stating that they were NOT going to refund me the paid loans even though I have everything in writing and they knew from the beginning that my loans were paid in full. I have in writing that they approved and that they were going to refund me my payments and now verbally stating they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY CREDIT REPORT WHICH IS NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-02-25 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: Security Credit Services, LLC
State: NC

Complaint narrative:
Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via XXXX   to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
I recently learned of some transactions that occurred during XXXX and XXXX on my checking account with US Bank that I did not take part in. There were purchases at XXXX XXXX and XXXX, neither of which I actually visit nor shop at personally. I did not notice these transactions until early XXXX for a few reasons : 1 ) Notifications via text for any purchase always seem to get disabled by US Bank and are never reliable. Every time I turn on text alerts they somehow turn off in a week or two.

2 ) I did not regularly check my account balance as I had a second job during the holiday season and wasn't considering the fact that I may have trouble with low funds or unauthorized purchases 3 ) I made a large number of purchases during this time for XXXX and didn't notice these whenever I did take the time to quickly peruse the US Bank app I filed a fraud complaint with my bank and they made no effort to contact me ; it was only after calling in after 15 days ( when I was told I would have provisional credit within 10 ), that I was told it was closed and the only details were 'invalid facts ' because debit cards with chip readers can not be counterfeited, and these were PIN-based transactions, or similar wording. I received nothing in the mail or no communication otherwise. 

I did not make these purchases, however, the person most likely responsible is the one and only person who had actual physical access and use of my card, which was my partner at the time. We lived together, shared expenses, shared bank and credit cards with each other when the other needed help, etc. We trusted each other obviously because we had been in a relationship for several years. This is the only person who could have done this, and while I believe she had to have, I am also not willing to ruin this person 's life by providing her name and contact information because despite no longer being together for unrelated reasons, I don't want to bring this kind of situation down on someone I spent part of my life with, even though she has to be the responsible party. 

I have been with US Bank for ~16 years and they have always been helpful with any and all of my issues until now, but it only takes this one situation to make me want to leave unfortunately.

It's ~ {$300.00} that added up over 7 purchases between XXXX and end of the year. Details below. 

XX/XX/XXXX - XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$110.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$55.00} XX/XX/XXXX - XXXX XXXX  - {$18.00} XX/XX/XXXX - XXXX XXXX  XXXX {$40.00} XX/XX/XXXX - XXXX XXXX XXXX {$69.00} XX/XX/XXXX - XXXX XXXX  - {$4.00}

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 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery - Harassing Behavior They have called 50 times from 21 different numbers in the past 4 months ( XX/XX/XXXX-XX/XX/XXXX ). On two separate occasions, they called multiple times within an hour, from two different numbers. 

They NEVER leave a voicemail ; they call during the day while I'm at work. They have called me at my work number ; they were informed to stop calling me and send me correspondence via mail. That request was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY CREDIT REPORT WHICH IS NOT ACCURATE.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY CREDIT REPORT WHICH IS NOT ACCURATE.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY XXXX  CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED XXXX  AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED XXXX  AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH LEXIS NEXIS, I CONTACTED LEXIS NEXIS THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I filed a complaint with CFPB on against Santander Consumer due to harassing phone calls, a illegal late payment practice, an inaccurate RTC letter and a fee schedule designed to never allow for payment to reduce principle. These predatory lending techniques have resulted in countless class action suits against Santander Consumer yet they continue to take advantage of the consumer with sub prime credit. My complaint was replied to by Santander on XX/XX/2020 my car became repossessed on XX/XX/2020. CFPB case number : XXXX-XXXX. In its response, Santander did not supply accurate and truthful answers to myself or the CFPB. Based on the companies violations of 32-1085, 44-286 and 32-1051 the company should be made to forfeit their claim to " any finance, delinquency or collection charge on the contract. '' 44-295. I am asking the CFPB tp assist me in taking action to first recover my car which was taken as retaliation for filing the complaint with CFPB. Upon recovery of the vehicle I would like to ask for assistance in bringing the loan into compliance with FDIC best practice and enforce any " sub-prime '' lending consequences against Santander Consumer.  My vehicle was taken during the night on XX/XX/2020 and now I am unable to get to work as there is no public transportation by my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED EXPERIAN AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED EXPERIAN AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH XXXX XXXX, I CONTACTED XXXX XXXX THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES 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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Presto Loan Center, LLC
State: NC

Complaint narrative:
I had a secured auto loan through Presto Loan Centers. 2 of the 3 credit bureaus XXXX  and XXXX   both showed that the account was closed as an owed debt and that the debt was purchased by another debt collector. I disputed this with them because that was not the case. The account was opened at a term of 14 months. All 14 payments were made and the account was paid in full and i satisfied that debt. I informed both companies that they had incorrect information. Instead of investigating and fixing the issue they just deleted the entire account. I would like this corrected and have it put back on my credit report paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2010 I received an ALERT email from Experian. My credit score went down 20 points. I reviewed my credit report and found the mortgage reporting business XXXX, XXXX is a creditor side monitoring service. My existing creditors may use them to watch for " triggers '' on your reports. Triggers include mortgage apps, bks, late payments, other inquiries, and more. They pull my report and alert their customers if something changes. Experian doesnt dispute hard inquiries. Even if I didnt authorize a credit check. Im seeking to have XXXX removed from my credit report and reinstatement of my credit score.

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 2020-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called the Synchrony Financial about my XXXX XXXX XXXX XXXX  card. I explained to them that I have been going through a cut in my finances over a year due to I was in XXXX XXXX XXXX but continued to pay them but now I have to go back to work and I need time to get back on my feet. I spoke with a representative and they told me if I dont have any income at this time they cant help me. I explained to them I coming to them for help I have never been late never called with an issue nothing but they can not help someone that has credit protection through their company.

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