vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
A debt collector from IQ Data International by the name of XXXX ext.1201, called me, XXXX XXXX . I am unemployed and do not have a XXXX to my name. I hung up because I did not understand the language too well and he stated that it was for owing money to an apartment, which I could not afford during the pandemic. The debt collector then proceeded to call me because and started telling me, " why are you hanging up? Are you scared? You owe my client money. '' and he continued to harass me. I passed my phone over to my son, who is an attorney, but is not representing me in the matter but who I wanted to speak on my behalf because of the harassment I was suffering. The debt collector proceeded to express aggressive behavior towards my son and hung up. After multiple attempts to call him back, he continued to patronize and be aggressive. The debt collector, per the recorded conversation, was asked to no longer solicit for debt collection and he proceeded to state it was not not solicitation. The debt collector did not even know what solicitation was and continued to taunt and harass. I asked my son to call the manager with ext. XXXX, to convey the situation I suffered at the hands of the debt collector. Then we asked to receive a call back because we are dealing with other legal matters and the manager then refused and cornered and pressured me to try to resolve the issue now or never, despite I requesting to have this conversation another time because of being distraught and having to deal with other legal issues at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
NOT MINE FCRA VIOLATIONS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Post office box XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family WRONG NAMES XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XX/XX/2021 I discovered an old account from Santander Consumer USA, reporting a charge off with balance owed in the amount of {$19000.00} I've contacted the Credit Bureaus and Santander multiple times to correct or remove this incorrect information from my credit reports. I've continued to review my credit reports and the Credit Bureaus have not acknowledge my complaint and Santander has been unresponsive to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My payment is late this month by 16 days, Im struggling financially and needed a few more days to get it paid before the 30 days hit. Chase bank calls me multiple times a day and wont stop calling. On Monday XXXX they called me at XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have asked multiple times for the passed few weeks for them to stop calling me so many times one call a day would work if they cant wait till the date I told them I would pay. They wont stop harassing me and then hang up when I try and talk. They call on multiple numbers. I have attached a screenshot of the calls that I have left that I didnt delete since they were overloading my call history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
I opened an account with " XXXX XXXX XXXX '' and paid them directly for their services. The company uses Monterey Financial to service their accounts. Monterey Financial has been contacting me repeatedly about the debt and I informed the representative and provided proof that I had paid " XXXX XXXX XXXX ''. Because Monterey Financial has been unable to get in contact with " XXXX XXXX XXXX '' ( per their representatives ) they reported the account as late to all three credit reporting agencies, even though I paid the debt already. I also paid an additional {$88.00} dollars while to company attempted to sort out the discrepancy to avoid the account being reported as late but they reported the account anyway. Both Monterey Financial and XXXX XXXX XXXX have been extremely unprofessional, unorganized and have unfairly and unnecessarily damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 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
State: CT

Complaint narrative:
I have a PayPal account, and I recently received a limitation from PayPal, which I was able to resolve by providing all necessary information ( business information, my ID, and other information ). After the account was restored the next day, I received another limitation that did not make sense, so I contacted customer service, and I found out on the next day that the account was permanently closed. and i still have my fund in the account, they claimed that they will hold it for 180 days, and I am not happy with this decision since they did provide any reason for closing and holding my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Hello my name is XXXX XXXX, there are items and my TransUnion and XXXX  that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint narrative:
Hello my name is XXXX XXXX, there are items and my XXXX  and Experian that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.

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 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
Company keeps trying to contact, but leaves no message. Checked my credit report and I have not received any type of written notification as to what I owe. I do not believe that this debt is legitimate and would like for the company to stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal denied my application for a home loan, claiming my credit scored did not meet their requirement, it was reported by XXXX  of XXXX. Navy Federal system shows one Credit Score from XXXX  and uses a different one for loans. XXXX  Credit score does not match with the one they show in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: U.S. BANCORP
State: TN

Complaint narrative:
opened up a secured line of credit / loan with the bank and the product reported as a revolving line of credit such as a credit card and I took a 95 pt loss on my score. this was being apart of the wealth management division of usbank.It has taken me longer than 1.5 years to get my score back up that high due to how its reported as an evergreen product.

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 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( cfpb ) DateXXXX Dear cfpb Manager Regard to HI-TECH XXXX Merchant account number XXXX We had a horrible Merchant Service Experience with Our provider ( Fiserv ) which is against good faith in business. Fiserv is a new company that bought Firstdata and we did not have any problem with Firstdata during the last 10 years. 
We realized that our Credit card reader Terminal settings were malfunctioning ( For unknown reason or might by Fiserv online access/Update etc. ) and didn't do automatic batch closing for several months Between XX/XX/XXXX to XX/XX/XXXX ) ( XXXXocument # 1 ). It means Fiserv does not have ability to online realize the terminal malfunction, contrary to their claims on the website ( Document # 2 ). We did call Fiserv on XX/XX/XXXX customer service and they fixed the problem in the Terminal ( Case # XXXX ) and inform us, in the next 48 Hours you will get the funds in your account. After several days we realized, they put our money on hold till now. They asked for a lot of documents and forced to provide our bank statement ( which is illegal ) but still no funds in our account. Their communication was under unknown phone calls or via unnamed emails ( Document # 3 ) and several times I did contact the merchant service to make sure those communications are true. The last phone call was for the Fiserv Risk Management department on XX/XX/XXXX and informed us : we can not pay your money because you don't have enough support! The reality is our support is our money that Fiserv put it on hold so their answer was paradoxical. 
In addition, Fiserv not only put hold on late ( batch closed ) transactions but also put hold on all of our normal ( batch closed ) transactions occurred after their fix/repair procedure or all transactions after XX/XX/XXXX. ( Document # 1 ) The merchant company ( Fiserv ) has a special Dispute procedure for future possibly customer 's disputes, but the Fiserv answer/Act is beyond the routine procedure. it means Fiserv put hold to our company credit card transactions/Funds illegally for no reason. 
Fiserv not only didnt help us to fix that problem but also after the complaint, closed our merchant account which is strictly against the good faith in the business relationship. As per their illegal action We dont have any access to the terminal report option and it means Fiserv does not want us to have access to any Document. 
The Fiserv decision is against good faith in a business relationship and it put a serious threat to our small business activity. we would like to take legal action against this decision. 
Please let me know how cfpb can help us in this legal action Please let me know if you need any other documents XXXX XXXX Business owner/Manager HI-TECH 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 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
I recently discovered that a collection agent by the name of Zwicker & Associates is attempting to file a judgment against me in regards to a debt that is nearly 10 years old. Despite the fact that the statute of limitations to take such action has expired, I've still tried to contact this creditor to determine why and how they are taking such action without contacting me first. Well over a month ago, I wrote to the company and requested a detailed verification of debt to try to determine why their office was taking such action. However, my written request has gone completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The servicer on my loan was transferred twice between XXXX and XX/XX/XXXX. Before any transfer took place, my loan was through XXXX/XXXX  and the type was conventional without PMI. The modification is on file for taking place in XX/XX/XXXX. This information also corresponds with my documents, the FHA database, and my credit report. Though I made this immediately clear to Shellpoint/NewRez and the investor known as " XXXX XXXX XXXX XXXX XXXX '', they have refused to acknowledge and correct their/the error. Instead they're rude, judgemental, with condensending behavior that act as if companies can not make errors. I've sent all documents including an email directly from the loan Originator stating the way the loan was sold. I've called, emailed, faxed the information twice but they have refused to make any corrections or even reach out. I have about 50 % equity in the home and a conventional loan and wish to not have an Escrow account. My payment was adjusted by them including a XXXX escrow payment for this month ; making payment over XXXX for a 30 year with only XXXX in principal. I immediately need the company to identify the error, correct the error, remove dangerous escrow account, correct payment amount and refund my money ; therefore allowing safe funds in a interest gaining account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
We have a vehicle loan with Chrysler capital. Over this loan we have paid each year over the amount. We requested a audit. They are not doing it or questions they have no answer but still {$2500.00} payoff amount. We are requesting investigation of this loan account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. E-mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Forebearance Program Release Delayed Since XX/XX/XXXX Have made 5 consecutive payments made since XX/XX/XXXX Paperwork recieved XX/XX/XXXX to release me from program-still not released XXXX requested a max complaint to expedite release of forbearance program XXXXstill no response to my release Paperwork Sent Issue : Have called 5-7 times from XX/XX/XXXX to get paperwork sent. 
Paperwork sent- Huntington Bank would not except signature Huntington Bk sent out paperwork with wrong name, ( someone else 's paperwork ) Sent out new paperwork, notarized, Huntington Bank received- XX/XX/XXXX 8 weeks since XX/XX/XXXX, still no release from forbearance program, delaying my refinance efforts, can not move forward with a refi. 
Requested a Loan payoff quote : XX/XX/XXXX requested payoff quote, current balance on mortgage does not reflect any monthly payments, they have not been applied, can not get true loan amount to refi XXXX, stated they will fax to branch, XXXX IL ( Can not email or give verbally ) XXXX, no fax XX/XX/XXXX, still no fax, requested another max complaint be issued to for Homesavers dept to process my paperwork to release me from forbearance program and issue final mortgage balance. 
Trying to refi since XX/XX/XXXX, can not due the incompetency of Huntington Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
Freedom mortgage has engaged in active physical harassment, sending random strangers on a weekly basis to my house, trespassing on my property and taking random photos of my house. I'm on a forbearance plan, but they won't stop, even after calling.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: TX

Complaint narrative:
I was sent an unsolicited Brink 's Money Prepaid Mastercard. I did not apply for this card. In the mailed letter sent to my address, it has a bank name ( that is not Brink 's ), an account number, and a routing number all associated to my name and address. This letter also included the Brink 's Money Prepaid Mastercard with my name on it. On the back of this card, the logo for netspend reload is present. I looked online to review these companies listed in the letter and on the back of the card. I contacted the bank first to cancel the account but they said they could not do so because they did not have my information and it was best for me to contact Brink 's Money. I called the customer service number to Brink 's Money and was unable to speak with a live customer service representative. The call had only an automated voice. I either had to enter the card number or my social security number. For more options I pressed star key which prompted to press 1 for lost or stolen card or 2 to request a refund. I was suspicious of these options so I did not enter any card information or ss #. I noticed another number to " OPT OUT '' of future mail offers and proceeded to call. I was not able to speak with a live representative and was forced to enter the card number as my only option to cancel the card. The automated voice said it canceled the card and that it opted me out of future mail offers but I did not receive any confirmation number for this call to cancel the card. I sent an email to XXXX to ask for confirmation. I did not put my personal information, bank information, or card number ; only signed my name at the bottom of the email because they already have my information and did not want to disclose it in the email I sent to them. I am waiting for any kind of confirmation number or letter that it was closed and canceled.

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 2021-08-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Upon checking my credit report in XXXX, I noticed that Toyota Financial Services has reported incorrectly that there have been 13 missed payments on my XXXX XXXX XXXX lease. Unfortunately this is significantly impacting my credit report. The car was considered as a total loss, was paid in full & the account, account number XXXX, was closed. I was in complete contact with Toyota and even purchased another XXXX XXXX at the same location, XXXX XXXX XXXXXXXX XXXX. 
I am needing to purchase another car as soon as possible, and I have requested that Toyota update the credit reporting companies with the correct info noting that this account is not & has never been delinquent, all payments were up to date through the end of the lease completion ( XX/XX/XXXX ) & that this is now a closed account. 
I sent Toyota a letter detailing this information & it was confirmed received on XX/XX/XXXX. I've spoken with Toyota weekly & finally received a letter from Toyota dated XX/XX/XXXX confirming that my account is 0 days past due and is closed. However the missed payments are still showing on my credit report.

Company response to consumer: Closed with explanation