vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Dear CFPB, As a Citizen requesting for help. This company to my understanding they are a Used Car Dealer Finance Company in Texas. 
Me & my family live in South Florida never lived in Texas??? But the following company calls my Cell # XXXX from XXXX Registered under : SANTANDER CONSUMER USA Inc. Mailing Add : XXXX. XXXX : XXXX, XXXX, TX XXXX. Calls Received on : XX/XX/XXXX on XXXX, XXXX. XXXX on XXXX. XXXX on XXXX XXXX XXXX. XXXX on XXXX, twice on XX/XX/XXXX,XXXX XXXX, XX/XX/XXXX,XXXX, XXXX, XXXX, XXXX & XXXX, XX/XX/XXXX. Messages left for : Call Center Operations located in XXXX in the XXXX XXXXXXXX XXXX. I just called XXXX the operator does not have any street address to disclose? But needs additional information about me? I did not disclose anything? I have requested to take of my cell phone number XXXX but they can not help as I do not have any account with them? Everyday Voice Messages : " Good Morning XXXX, Its XXXX XXXX and XXXX XXXX XXXX. This is XXXX from SANTANDER CONSUMER USA Inc. Please return my call toll free # XXXX to speak with one of our Representatives. We are in the Office today until XXXX CST. Thanks Have a Great Day ''. Same message repeats everyday call!!! There is no one by these names in our house. We are a Nuclear Family of four. Dad, Mom & Two Adult unmarried Daughters. We own XXXX used cars brought and paid off in XXXX XXXX, FL. 
All this seems to be a FRAUD & A PROFESSIONAL SCAMMERS. Past month I have called & left messages and sent similar messages to Do Not Call.gov but i am fed up as a XXXX Citizen with NO ONE TO HELP! Can not call to speak to anyone? Since XX/XX/XXXX repoted to Do Not Call Registery.Gov but all in vain. Please Help! Even registered complaints with https : XXXX # crnt - online case # XXXX XXXX XX/XX/XXXX. Today Personally called FTC, XXXX # XXXX to again Complaint my frustrations got a case # XXXX XX/XX/XXXX Rep. XXXX & Sup. XXXX. They requested me to complaint to CFPB. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This account has been disputed several times. This account was open up when I was a minor. It does not belong to me. 
Barclay Bank 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 2019-03-22 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:
An unknown loan type was acquired for credit under my name without my permission. I only found out about this loan once I attempted to get credit for myself. When I discovered this fraud on my credit report, I contacted the police and filed a police report. I contacted all three credit bureaus and they stated that once I sent a copy of the police report, they would remove this item from my credit. When calling to check on status, XXXX and XXXX removed the fraudulent information. Equifax did not. They stated that they would wait to see if XXXX and XXXX would remove. I explained to them that XXXX and XXXX removed the fraudulent information from my credit report as soon as I sent them the police report as I did with Equifax. They then stated that the only thing they could do was put into another 30 day dispute. I told them no, and that I wanted the fraudulent information taken off of my report. They are refusing to. Please help. This loan was obtained fraudulently using my information. I tried calling company to see if they could give me any information as to addresses or possible names of the people who did this, but they said they could not. I don't know who has done this, but it doesn't belong to me. Please make Equifax remove this false, inaccurate, fraudulent information from my report. The account shows as follows on my report. 
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UnknownLoanType XXXX Past Due Amount : XXXX Last Past Due : XX/XX/XXXX XX/XX/XXXX : XXXX -- XXXX -- XXXX -- XXXX 30 Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 Days : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Bill amount XXXX. XXXX XXXX On XX/XX/XXXX I paid Harris & Harris XXXX leaving a balance due of XXXX I entered into a agreement to pay the balance due each month on the XXXX. This company has my bank account information and a recurring charge appears each month XX/XX/XXXX is the final payment. On XX/XX/XXXX company received XXXX. XXXX will be taken from my bank XX/XX/XXXX, XX/XX/XXXX, with final payment on XX/XX/XXXX. 

In looking at my bank statement Harris and Harris notes balance due and different amounts are shown thus far. 
Company called XX/XX/XXXX to remind me of payment due for XXXX even after company has recurring debits which are taken from my bank account. 

Today, XX/XX/2019, at XXXX XXXX company call my cell. When I answered rep said is this XXXX XXXX, when I answered yes they hung up the home. XXXX  the same time I receive this company call my home which I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I had pending charges from an place that appeared to say XXXX XXXX, I already knew it was fraud because no one has access to my account or card so I went up to my bank to tell them it was fraud, I called my fraud line, cancelled my card ordered a new one, the bank told me I had to wait until the charge fully went through to file a fraud report, sounded stupid but Ive had to do it before so I waited, on the XXXX the money fully went through, I returned the fraud paperwork to dispute the transaction that exact day, my bank XXXX XXXX XXXX XXXX ( XXXX-XXXX-XXXX ) was barely doing there job and they contacted google and tried to get the money refunded, mind you, I dont have the money for my bills in my account, so Im waiting for 10 days to hear back then they say they cant see it as a fraud which makes no sense because I live in Virginia, the charges came from XXXX, I went up to my bank and told them and they said they would try to look into, cane back to me the next day and said they couldnt and wouldnt refund my XXXX dollars and I dont have time for this my money is suppose to be insured by the fdic and ncua please help me out

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged by a company in XX/XX/XXXX that should have never had my card. They ran the card 3 times. I disputed what I thought was all 3 charges on XX/XX/XXXX and 2 of the 3 we're resolved and credited back XX/XX/XXXX. On XX/XX/XXXXI called in to check on the 3rd charge and was informed that it wasn't disputed so they put in the dispute in XX/XX/XXXX for a charge of {$180.00}. This charge has still not been resolved as of XX/XX/XXXX. I call in every month because I am getting charged interest on this dispute and I'm being told that someone is escalating my account and that they need 3 to 5 business days. I get transferred around and put on hold and still don't have my money back or the interest I have been charged. 60+ days on a dispute is horrible customer service.

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 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
GM Financial put my account into a Bankruptcy and can not explain why. This mistake on their end caused my auto-payments to be disabled which put me behind for two months. GM Financial can not explain how the account was flagged for bankruptcy. They claim an error in their systems. I'm concerned my account was breached.

This has caused financial hardship and GM Financial will not do anything on their end to correct the issue.

I'm clearly not in a bankruptcy status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a Home Equity Line of Credit serviced by Wells Fargo under account XXXX XXXX XXXX. 
While I was refinancing another property, due to a recording error on the HELOC note, my title company sent to Wells Fargo in mid XX/XX/XXXX a request to close the line of credit. I received notification by Wells Fargo of this request end of XXXX. I immediately notified Wells Fargo and the title company of the error by phone and fax. The recording error was fixed and the title company notified Wells Fargo that the closing request was made in error withing a week. 
Since then, my HELOC is still frozen. I have contacted Wells Fargo multiple times by phone and sent two other faxes at the number they provided me. 
Now, almost two months later, my HELOC is still frozen despite the fact that Wells Fargo admitted that the request from the title company to close the HELOC was voided anyway as over a month old. 
I escalated the issue to Wells Fargo line of credit executive office, but after over 2 weeks of 'research ' they answered that they need another 2 weeks to complete more research. 

To summarize : Wells Fargo is still keeping my line of credit frozen after receiving a request that : - was sent by a third party without my approval, and WF was notified by me in writing and phone immediately that I did not authorized it ; - the third party confirmed to WF that it was sent in error ; - the request is over a month old and voided anyway Wells Fargo is still refusing to reopen this line of credit, creating a financial problem to me that will escalate in additional cost and penalty on other short term liabilities that could not been satisfied due to the lack of access to this HELOC.

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 2019-03-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I dont know why XXXX is on my report as a negative item. I have XXXX service now. Its stating that i open this account back in XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which 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 2019-03-22 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: PA

Complaint narrative:
I dont know why XXXX is on my report as a negative item. I have XXXX service now. Its stating that i open this account back in XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which 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 2019-03-22 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: PA

Complaint narrative:
I dont know why XXXX is on my report as a negative item. I have XXXX  service now. Its stating that i open this account back in XX/XX/XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I have written multiple letters to this company asking for the account and the information on the account be validated. It is illegal for this company to continue to report information that can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
High Education Services sent a notice to my employer for wage garnishment when I was in an active payment plan with them. I had a remaining balance of {$600.00} and i had already paid {$3500.00} to the company for my student loan. 

When contacting the company, the representatives were aggressive, rude, hostile and argumentative. They do not give you an opportunity to speak and strong arm you throughout the entire conversation. Specifically the representative who goes by the name of Ms. XXXX. 

They dictate the payment amounts and dates and are not flexible to your financial situation. They constantly threaten me with garnishments and vulgar language.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
After months of inactivity, Barclay card sent me a letter on XX/XX/2019 closing my account and imploring me to contact them to inquire on rewards redemption. After being unable to resolve my issue a case was made to resolve my rewards issue and on XX/XX/XXXX a letter was sent out informing me they were unable to assist me. an inquiry call on XX/XX/XXXX informed me that my rewards had been forfeited, my accounts closed, and that i would still receive another card statement on XX/XX/XXXX despite the account closure. yet the XX/XX/XXXX account statement still shows the XXXX $ worth of travel rewards that had yet to be used and no notice of the account closure. 

Prior to the closure of this account, no warning or impending notice of an upcoming closure was sent.

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 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX Consumer Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax # XXXX Request for Consumer Report/Dispute Dear XXXX XXXX Consumer Services : I received my XXXX credit report and noticed your inquiry on XX/XX/XXXX by XXXX XXXX. I applied for a credit card on XX/XX/XXXX. 
I am writing to you because I would like a copy of my credit report required by law to check for accuracy. I understand you generate credit scores and other services. This is the first-time hearing of your company and services and would like more information about your company. 
You may contact me at XXXX at your earliest convenience to discuss the inquires XXXX XXXX XXXX conducted at XXXX. 
Thank you for your assistance in this matter. 
Sincerely, 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 2019-03-22 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: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
This mortgage was closed and paid in full to Caliber during a refinance. Caliber is  reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XXXX XXXX.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I opened a new auto loan through Fifth Third Bank on XX/XX/XXXX through my dealer. There were several times that Fifth Third Bank lost my payments. I would call because I would get a late notice and it was very difficult to reach customer service to get it resolved or to make the payment over the phone. I also tried to set up auto payments so that I would not have the issue of the payments getting lost and that was also difficult to have a representative help me. I eventually refinanced the loan at a different bank. When my bank sent the payoff to Fifth Third Bank the payment was again not applied right away and the lien card was not sent to my financial institution in a timely manor. I have suffered a 30 day late on my credit because of it and it is costing me higher rates on other loans. I closed the loan on XX/XX/XXXX. This is unfair lending because it is costing me higher rates and lending for a service that they did not provide in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been disputing a charge on my XXXX XXXX Rewards credit card. I first reported the charge in XX/XX/2018. I have sent several correspondences and have called the credit card company on several occasions. Today they are telling me that I am responsible for the charge because it is out of the allotted time to file a dispute. The credit card has reversed the provisional credit and have changed me with a late fee on that of that.

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 2019-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
This complaint involves the property at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX foreclosed via a sheriffs sale on the property. They foreclosed without a recorded vote or resolution appearing the board minutes as required by statute in Colorado. 
They acquired title to the property on XX/XX/XXXX. A deed of trust remained on the property tied to the property the borrrower is XXXX XXXX XXXX. On XX/XX/2018 they sold the property to XXXX XXXX via quit claim deed and transferred all of their rights in the property. On XX/XX/2018 XXXX XXXX XXXX XXXX contacted the XXXX County Public trustee and the attorney representing the previously mentioned deed of trust and disclosed to both parties they were the titled owner of the property. They requested a revised intent to cure and an extension of the sale date so they could have an opportunity to cure the delinquent amount. They continued to correspond with the Public trustees office and XXXX and XXXX as if they were the owners even though they sold it on XX/XX/XXXX. This fraud enabled XXXX XXXX to show up on XX/XX/XXXX and cure the delinquency for {$29000.00} which he didn't have a legal right to do. The public trustee assumed XXXX XXXX was the HOA and allowed it to happen. Collusion and fraud have occurred at the expense of the homeowner, XXXX XXXX XXXX, XXXX County Public trustees office, and the citizens of XXXX XXXX.

Company response to consumer: Closed with explanation