vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Lender is stating that my account was 30 days late XX/XX/2016, and added another month and stated account closed XX/XX/2016, when the loan was closed and paid in final XX/XX/2016. 
I've had numerous issues with Santander and will be formally filing a complaint with Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: OH

Complaint narrative:
To Whom it may concern XXXX XXXX XXXX # XXXX this is the 3rd time I have a complaint that this is not my account my name is not XXXX XXXX the DOB and SS # on this account does not belong to me. Please delete this account from my file and remove it from your database. I do not have XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
The car loan was a joint account one. The person who was in charge was my ex wife who made the payments late on purpose while I was XXXX. Once I know about what was happen I paid off the account almost 2 years ago ( XXXX XXXX ). It still appearing in my credit and hurting my credit score ( XXXX  ). We were in a divorce case and she didn't want to sign the divorce, she threaten me about what she will going to do if I divorce her. She did, she try to affect my credit. I tried to fix this issue with the company and they do not listen, do not want to help. The account is closed paid in full and still appear in 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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
I never once received any documentation or notice of debt. I havent gotten phone calls which I appreciate not being bothered but Im finding out about something I dont believe I owe 5 years later from the XXXX XXXX. It is in regards to a rent recovery for some apartment in which I roomed with the lease holder. Yet all rent was payed. The name of the apartment complex was the XXXX and the debt Holder is called rent recovery yet they havent even provided me any documentation that I owe anything. XXXX  doesnt have me down for that address rightfully so and doesnt list the rent recovery. Just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants and Professional Collection Bureau Inc, continutes to send me letters attempting to collect on an old debt that is over 4 years - 7 years old. These debts are no longer on my credit report. These debts were disputed and removed from my credit report and now Merchants and Profession Collection Bureau Inc is attempting to collect these debts. I have contacted them several times by phone, each time I receive these letters, which has been since the end or the beginning of XXXX, threating to sue me for {$73.00}. The latest letter is dated XX/XX/21. One debt is for {$10.00} which I disputed because this debt was paid ( through online banking ) to the doctor ). Instead of them notifying the collector, they continue to send treathen letter to sue me and report this fraugulent {$10.00} to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
I am a XXXX year old female living off a fixed income with a common first and last name. I XXXX my name and found there were 100 more individuals in Michigan with the same first and last name. 

On XX/XX/2021, TransUnion reported there were 3 collection accounts past due lowering my credit score XXXX points. I have been disputing same 3 collection accounts for past 2 years. Each time TransUnion indicate they have investigated and verified information by forwarding dispute to alleged collection agency. I have 8 accounts, all with on time payments. I question the veracity of how TransUnion investigative skills. It is apparent that contacting the alleged collection agency opens the door for fraud. I have provided my correct mailing address, provided copies of my marriage license, drivers license, affidavits, yet the erroneous information reporting from Transunion have continued for more than 2 years. Furthermore, I question how an erroneous collection account can be past due after appearing on my credit report for more than 2 years? I have been a victim of ID theft at least 3 times due to TransUnion reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
XX/XX/2021 I applied to refinance my mortgage through XXXX XXXX  for a lower interest rate. XXXX XXXX sent me an email notifying me of an inquiry alert and that my credit score would not be affected for 14 days. Email attached. 
Within 1 hour Equifax decreased my score 26 points. XXXX and XXXX have kept my score the same.

Please note out of 7 changes Equifax  states is the reason for decreasing my score 6 are decreased balances on credit debt. I have been VERY conscience to pay my debt off and monitor my scores. Every other week Equifax  has some bogus reason to significantly decrease my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: KEYCORP
State: NY

Complaint narrative:
Key bank benefit card. My account has been hacked twice someone has been doing wire transfer on the internet and they stole my money it took me almost a week of being on the phone for hours and hours only to have the phone hang up. They kept giving different departments I kept getting different information from each call. Finally I get a new card 2 weeks later, it happened again 2 days later not only did they steal the refund they gave from the it happening before but my current payment as well I had to go through the same thing all over again I was told so many different things I need to do. One phone call I was told my information got leaked on the internet because key bank benefits got hacked and all my personal information is on the internet and the person told me your information has been exposed to the internet I just deleted everything so youre account is fine and told me my new card ( 2nd ) will arrive in 10 to 15 business days. They I got transferred to the disputed department and I told them what was told to she said thats not possible we dont have the ability to do that and told the I was lied too that there is nothing that they can do but keep disputing it. So I went to get a different bank account I tried to log in to what was told to me and it would not accept my mom madden name I called again we went though it and it still would not work I was told it had been reset I tried and would not work so Im stuck with KEYBANK BENEFITS and nothing havent been done about it so every weed I dont know if I will receive my unemployment benefits. I had to purchase identity theft program. All together it was {$1500.00}. Can u please help me. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bank charged {$36.00} overdraft fee on account for me paying my electric bill, which unknowingly overdrew my account. 

DATE : XXXX XXXX Description : ELECTRONIC/ACH DEBIT WITHXXXX XXXX XXXX XXXX  XXXX XXXX Withdrawals : - {$88.00} Balance : - {$23.00} Description : OVERDRAFT ITEM FEE FOR ITEM {$88.00} WITHXXXX XXXX XXXX XXXX XXXX Withdrawals : - {$36.00} Balance : - {$59.00}

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 monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
I was approved for an title loan through bay country in XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. I attempted to get my vehicle out by paying what was due. My lender told me I I had to pay XXXX to get my vehicle back. Paid bay country only to find out I had to pay the same amount to the repossess company and XXXX-XXXX  a day going forward. The XXXX I was paid to bay country was all I had which I explained to them. They told me its nothing they could do. I got my tax refund a month later and got my vehicle out for approximately {$950.00}. Pandemic began in mid XXXX which included an state wide Moratorium putting a stop to evictions and repossession. I was unemployed due to the COVID and told bay country I wont pay when I get funds. We spoke monthly to see if my situation changed it did not. XX/XX/XXXX I called to make a payment the very next month my account was sent to collections department. I was told that the full amount of my loan was due and I no longer qualified to make payments. My car will remain in repossession status until the full balance is paid. Original loan amount was XXXX now I owe XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
When I called the number for this creditor they said they weren't aware of I XXXX XXXX and I don't have an account with them so unfortunately I don't know what else to do. This creditor is unknown and I never owed this company well so ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX th XXXX someone gained access to my banking information log in and attempted a few withdrawals : Two from XXXX each ( {$4000.00} ) total and the person deposit a fake check from the State of Connecticut I deposited 2 months ago and destroyed it. 

The check is fake because I already deposited this check 2 months ago. 

How the person got a copy of this check I dont know, and Im scared that this could caused me a lot of problems. 

Please help me resolve it. 

My bank account Bank of America account XXXX Name 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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I provide a digital software development service online client paid me an amount after getting service, PayPal put a hold on that payment don't know why I thought there is some mistake so I refunded the amount and asked my client to send the money again he sent payment again now again PayPal put a hold on that money and charged my client twice for a single payment. Now after getting my payment confirmed by the client they closed my account. Now they are not even letting me refund the amount to the client so that I can ask my client to pay me through another source. I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have not had a loan for a vehicle for myself in over 10 years why are they still appearing on my credit report I have no knowledge of that loan. I want a copy of my credit report and proof that it was I that was supposed to be on that loan.Cause me and my spouse are not on the same account as I have removed with her a long time ago.However my spouse and my son did o pop purchase a vehicle in 2018 and I was not involved in that transaction action.However this keeps popping up on my credit report my son and I have the similar first name, So I want a copy of my credit report saying that it was me on the loan. I have been doing a lot of research and Im suspicious of my spouse using my credentials cause I have the superior credit score, And if thats the case I want it removed from my credit report cause I am pursuing criminal charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I had a loan with Sallie Mae, which then was handled by Navient. I made 120 payments on my loan and they refused to forgive my loan. I am a full time teacher in a low income school. I qualified for the Public Loan Forgiveness and they refused me saying I wasnt in the right program. Yet, I called often to ensure I was on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I lost my job in XXXX of XXXX due to COVID. Getting a suitable replacement employment took longer than we thought and ate up our reserves, so on XX/XX/XXXX we sent in a formal forbearance application to our loan servicer SPS. 

We supplied ALL requested documentation that SPS initially asked for. We immediately supply them with any info that has since been requested of us. Apparently, the initial information 'expires ' during the extremely long process that they take to review our application. As such, the application goes back to being in a status that is 'lacking information '. This is a never-ending loop that we can not get out of because SPS takes too long to process our information and pay stubs, banks statements and the like all expire in their system triggering our application back to that status. 

We believed our loan with SPS already to be in forbearance so were willing to put up with their constant requests for information. We were shocked when we received notice today that our loan is showing as delinquent with the credit services. 

All of the other companies that we have asked for forbearance from gave it to us with minimal effort, so we believed our loan to be in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I submitted my request for Public Service Loan Forgiveness after completing 120 payments while working for a non for profit institution in XX/XX/XXXX. After waiting 3 months I received a denial letter in XX/XX/XXXX with no rationale as to why I was denied. I contacted Fed Loan Servicing who informed me this letter had been a mistake and that the loan forgiveness was still being processed. Now 6 months later I have not received an update and the company says they are still processing. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I applied to LoanDepot to refinance my mortgage on XX/XX/XXXX. I signed the paperwork with a notary on XX/XX/XXXX. The loan now has still not been finalized and refinance. LoanDepot bungled this up every step of the way. The refi should have taken no longer than a maximum of 60 days as I was told in XXXX. This was important to me because my dream home was up for auction on XX/XX/XXXX which I wrote both the loan processing officer and the lending loan officer. As of today, the loan is still pending and despite my please to give me updates the company is largely unresponsive with generic answers such as we will let you know when we know, etc. I found the entire process unprofessional. XXXX XXXX, the lending officer was great, but the loan processing officer was horrible, his name is XXXX XXXX and he was taken off the case. At one point he threatened me that he could decide to just cancel the entire loan. 3 or 4 weeks ago they assigned someone else to the case. Her name is XXXX XXXX. While she was very friendly I have not heard much from her since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Im writing you guys in regard of accounts being reported to my credit report that arent mines. I have sent in identity theft report to all 3 of the major bureaus and also wrote a letter to them explain my situation and asking them to removed the accounts or block them. I have been successful with removing accounts but theyre a few that hasnt been removed from two of the credit bureaus ( XXXX  & XXXX ) The name of these accounts are NCB MANAGEMENT SERVICE, CXXXX XXXX, XXXX XXXX XXXX I have been dispute these accounts since XX/XX/2020. These accounts have been removed from my XXXX  credit report. Also NCB MANAGEMENT SERVICE , & XXXX XXXX XXXX has been removed from XXXX. Also I have shown XXXX  & XXXX  the proof of these accounts being removed from XXXX. I have done my part and I need something to be done immediately. I have This is stopping me from closing on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.

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