vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Please see complaint ID XXXX. 

Chrysler Capitals response is not correct. I have already spoken with XXXX XXXX I do not owe them anything. Their dealership who I went in to finance out my XXXX lease XXXX XXXX States I owe them XXXX. I have received harassing letters and texts from XXXX XXXX in accounting stating they will report my account to collections. Chrysler Capital I have called them two times asking if they received my payment and why I am being charged these fees. They also will not tell me the credit score they pulled my report multiple different times and my credit bureau is not showing what they say I have to give a 21 % interest rate. Now that I pulled out my contract they charged me many additional " new car fees '' which this was not a new car. There should be no lemon law fee, new tire fee, battery fee, license and tag agency fee. There were already plates on vehicle and I have paid for my own registration. I asked the accounting department why they are harassing me about this XXXX fee when in fact I have come across some discrepancies of my own. XXXX XXXX has confirmed there is nothing due and Chrysler capital will not disclose why their dealership is charging me XXXX nor will respond to what credit score gave me a 21 % interest rate. All my credit bureaus show other wise and I showed them this in person. I now show multiple injuries on my credit that I did not agree to run it more than 2 times. Once in XXXX and once in XXXX should have the only time I authorized. My credit is a XXXX and they not only took advantage of my interest rate they overcharged me for fees that is illegal to do because they think im a woman and wouldn't notice. Its against the law to discriminate against a woman and try to scam someone. You closed the previous file but Chrysler Capital has yet to refund me any fees owed. XXXX XXXX was already contacted. Chrysler capital needs to refund me the money their dealership they are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Profit Services Group
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX OF XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX, CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
When my mortgage company did my escrow analysis on XX/XX/20 my escrow payment increased to XXXX $ monthly substantially increasing my mortgage payment. My husband and I had anticipated some increase due the fact that the previous owner had numerous homestead exemptions on the house and since we had moved into the house in XXXX we did not qualify for any home stead exemption, so we knew going in, that there would be a discrepancy due to the tax bill. XXXX $ was deposited at closing and XXXX was going monthly into the escrow account, by XXXX {$2900.00} should have been deposited into the account. Our home owners insurance was paid in the amount of XXXX ( XXXX ) monthly pmi was paid at a rate of XXXX ( 9 months ) and our tax bill was paid in the amount of XXXX ( XXXX ), total amount out XXXX, which results in a discrepancy of around XXXX. When I called to discuss the escrow account with my mortgage company I was told that to catch up from last years shortage I would have to pay out XXXX. They calculated this number claiming to have paid out XXXX on my behalf and that on the date since i did not have a balance of XXXX in the account I now owe that too. I was unaware there was a penalty for not keeping a minimum balance in the account and according to what was actually paid from the account last year as shown by my escrow statement they did not pay out XXXX last year on my behalf. My husband and I will gladly pay out what we owe for last years shortage, but we will not pay out a grossly inflated inaccurate amount that includes a fee that was never disclosed to us. Also, pmi payment was projected to increase from XXXX to XXXX monthly over this year. I asked for an explanation as to why, and the agent told me that she couldn't explain pmi to me and tried to reach out to the pmi department unsuccessfully. According to my amortization schedule, the pmi should be decreasing with my payments not increasing since the amount of my loan has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Early Warning Services, LLC
State: MN

Complaint narrative:
Please review the attached documentation. I was a litigant in a class action lawsuit against Early Warning and received a settlement payment for Early Warning reporting inaccurate and incorrect information on my consumer report # : XXXX. Early Warning continues to report fraudulent information on my Early Warning Consumer Report. All the information of bank checking accounts listed on my consumer report is fraudulent information. I have never ever had a checking account in my entire life. Its all fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My wife and I applied for a mortgage refinance in XX/XX/2020 and still have not received a formal approval and a closing date for the mortgage refi. PenFed has apologized profusely and told us they don't have the staff to process the number of refis that are pending in a timely way. They told me they have hired contract employees and others to help the process, but at least some of them are either unresponsive or poorly trained and take forever to do the simplest of tasks. It took months just for the underwriters to finally decide that we meet the requirements for the refi, but that happened more than a month ago and everything now seems to be stopped. The loan officer and her manager don't seem to be able to get a status out of the mortgage processing group and are now telling me they are waiting too. There seems to be no one in charge managing this process so their customers are just left blowing in the wind. This is particularly galling because my wife and I have our existing mortgage ( that we are trying to refinance ) with Penfed and also 2 credit cards with them, so they are very much aware of our financial status. Finally our credit scores are around 800 so there is no reason this process should be taking this long.

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 2021-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I reviewed my credit report in found there was an inquiry for BOA on XX/XX/2020. 

I wrote Bank of America twice disputing the inquiry an requesting them to remove the inquiry from my credit Bank of America responded saying that had no evidence of inquiry however it is appearing on my XXXX credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to Bank of America.

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 2021-01-21 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: Nelnet, Inc.
State: SC

Complaint narrative:
On XXXX of XXXX A late payment showed on 4 of my Nelnet student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX to remove late payment to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX. 

EWS is reporting inaccurate and erroneous information under my name and social security number which is having a negative impact on my good-name and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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, now known as XXXX XXXX , XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX. in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX , XXXX has tried calling me, however I expressed that I would file my dispute in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I have made many many complaints to CFPB regarding a XXXX card and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from XXXX offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

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 2021-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

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 2021-01-21 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-21 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: DISCOVER BANK
State: TX

Complaint narrative:
I have made many many complaints to CFPB on Discover for fraud and identity theft in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully Discover will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I recently received a response from Wells Fargo Home Mortgage of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with Wells Fargo where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with Well 's Fargo to please remove all the late notations from my credit file.

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 2021-01-21 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: FL

Complaint narrative:
Last XXXX Ive sent disputes regarding to those account I found on my credit report unknown and inaccurate. Im a victim of XXXX XXXX XXXX. I is almost 1 month since Ive sent disputes but there's no response yet. I demand to DELETE ASAP those account from my credit report or I will file a litigation.

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 2021-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IA

Complaint narrative:
My mortgage co, Flagstar Bank has refused to remit insurance monies to me for {$1700.00}, paid by insurance co, XXXX XXXX. This check was mailed to Flagstar Bank on XX/XX/XXXX and again on XX/XX/XXXX, without my endorsement, each time then returned to me asking that I endorsed. The check was mailed a third time on XX/XX/XXXX, this time with an endorsement by me. Three previous checks, totalling {$45000.00}, were all returned with an endorsement by Flagstar Bank, WITHOUT my endorsing them previously. On my mortgage statement received XX/XX/XXXX, the {$1700.00} was notated as being placed in " Restricted Escr Dep '' on XX/XX/XXXX. My escrow account had recently been reevaluated in XX/XX/XXXX and was reconciled for the year prior to XX/XX/XXXX statement.

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 2021-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I have made many many complaints to CFPB regarding a XXXX XXXX XXXX XXXX and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief. XXXX XXXX XXXX XXXX has already deleted that information. The biggest problem with XXXX XXXX XXXX XXXX is they label all complaints as duplicate without any explanation so a consumer can not respond. The Credit Reporting Agencies have recently informed me XXXX  XXXX XXXX  XXXX  is sending explanation in the mail. THIS IS NOT TRUTH FOR TWO REASONS! I would hope the CRAs are smarter than this. Instead of deleting complaints, XXXX XXXX XXXX XXXX could very easily answered, explained, and more importantly just spoke and said something in the CFPB complaint. The second reason is they dont send explanations but more request for more information. See attached. In addition to not explaining their actions, XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report and private information that led to a forged loan. NOW THEY WANT MORE OF MY PERSONAL INFORMATION??!! I dont think so! This is very simple, XXXX XXXX XXXX XXXX refuses to send valid permissible permission to access my credit report that led to a fraudulent and forged loan in my name. The reason they dont send it is because it does not exist. XXXX  XXXX XXXX XXXX sent a copy of an undated and incomplete application as proof. XXXXmagine if one of their clients had sent them an incomplete undated document.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My property mortgage is serviced by MyLoancare.com. I have been trying to access my online account for months. It recognizes my account but says that my online credentials can not be verified when I try to reset my password. There is zero way to reach a real person. There are only automated systems that run in circles and waste time. It is crazy that someone can hold your mortgage and be completely unreachable. I need to access my online documents to complete a refi on my primary residence. 

Please help.

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