vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX wrongfully flagged me to credit reporting agency Experian with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a XXXX credit card account -- XXXX XXXX XXXX -- that I have no knowledge of ( and it's over credit limit ). After spending one hour, through Experian, I found out that it's a XXXX XXXX XXXX XXXX XXXX account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the XXXX number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to XXXX XXXX general customer service representatives at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that XXXX XXXX credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the XXXX representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? XXXX XXXX must be held accountable and so are the specific individuals involved in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
There's an inquiry on my credit report from Mariner Finance that I did not authorize. I have reached out to Mariner Finance several times to resolve the issue and get the inquiry removed but they will not respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander Consumer USA has a closed account reporting to the 3 major credit bureaus stating that I had a {$16000.00} balance and numerous missed payments. This is TERRIBLY inaccurate. The claim is that it was opened in 2013. This erroneous claim is tarnishing my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lenderfi, Inc.
State: CA

Complaint narrative:
Lender without my authorization pulled a hard credit inquiry of my credit report before funding. Loan processor confirmed it would be a soft inquiry but was a hard inquiry.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 in the morning, I received an email from Wells Fargo alerting me that my Everyday Checking Account was a - {$47.00}. Early that afternoon, I went to my branch office and made a cash deposit of {$50.00} to clear up the negative balance by depositing {$50.00} in cash. Today I received another notice saying that I had a negative balance of the same {$47.00} even though I clearing up the issue the day before. Now however a {$35.00} overdraft fee was added in a very complicated way. I called the bank at XXXX this morning and spoke to a customer service rep who then explained their very complicated accounting system telling me that no matter if you have funds in your account and a purchase was deducted from your account for this purchase which reduces your available amount, if the merchant submits his payment request 3 days or a week later - if your funds are low at the time of the merchant request for payment, and you don't have enough in your account, you will be charged an overdraft fee ( if the bank decides to pay it ) regardless that the purchase amount was deducted when you made the purchase 3 days or a week ago. I believe that Wells Fargo has been scaling people with low balances. Wells Fargo has really hit me hard with fees since I have been depositing my COVID 19 unemployment checks. I tried to get the bank to waive this recent fee but to no avail. 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 monetary relief
Consumer complaint received 2020-09-16 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: CITIBANK, N.A.
State: TN

Complaint narrative:
There's an inquiry on my credit report from Citi Bank/XXXX  that I did not authorize. I have reached out to Citi/Bank XXXX  several times to resolve the issue and get the inquiry removed but they will not respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Tuesday XX/XX/2020 I went to use my NC unemployment debit card for gas but my card was reading do not honor. I went to call Bank of America prepaid and they said after putting in my information that my account was closed and hung up. At XXXX I made my first call and was placed on hold up to Two hour 's when I finally got to the fraud department I was told my cars has a fraud block because I tried to transfer funds to an account not in my name. I did try this when I was trying to send money to my mother but without success. I had no idea my account would be closed if I did this, I had no idea my account wouldn't be accessible if I made this mistake. After that I was transfered and placed on hold to talk to a specialist to get my card unblocked and verify my  identity and just to regain access to my funds and account. After waiting two hours for a specialist my call was dropped. I called back and had to wait all over again. This continued non stop until XXXX when I was told that the fraud department was closed for the evening. I had been on hold and hung up on multiple times from XXXX until XXXX. I never got to resolve the issue and now have to wait until tomorrow. I wasn't able to get the gas, I wasn't able to feed myself or my wife for dinner, I am now have no clue what to do because every penny I have is on that card. Bank of America seemed to not even care about this very serious situation. I made an honest mistake and now I can not access my money or anything. Please help me with this issue. I feel as though I was treated unfairly and to no fault of my own. Bank of America made me wait seven hours on the phone just to be told they are closed call again tomorrow there was nothing they can do. Thank you for your time and I hope to find some relief in the morning

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX owned my 2nd mortgage which was an interest only structured to be a balloon payment due at the end of the 15 year term. 

They sold my mortgage to Select Portfolio Servicing ( SPS ). SPS made attempts to collect the debt. I received quote payoff amount in the amount of {$26000.00}.

I withdrew my 401k funds and paid {$25000.00}, with intention of paying the less the {$900.00} left the following month so I could be done with this company. I initially tried to pay online but none of their online tools allowed for payments of this size. 

I went to my bank and initiated a wire transfer in the amount of {$25000.00}. 

The funds cleared my account on XX/XX/2020. On XX/XX/XXXX SPS returned {$25000.00} payment. 

When I inquired why, they advised it wasn't for the full amount and have proceeded to call me 10 times a day hounding me about this debt. 

I went to extreme lengths to pay 96.5 % of the debt, and they returned the funds. And now have the audacity to harass me with debt collection calls. It makes no sense and I feel that SPS doesn't want this debt resolved but only wants to harrass and intimidate me. It is very unfair and they should be reported for these wicked practices. 

Not only have they harassed me with constant calls, they have reported derogatory remarks that have taken my XXXX credi score to XXXX. 

This is terribly unfair especially since I paid 97 % of the debt with intention to pay the remaining {$900.00} soon after the funds were sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
This is an ongoing problem. I will continue to submit complaints until enforced. SLS negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between SLS, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? Specialized Loan Servicing is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against Specialized Loan Servicing and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New  Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense Specialized Loan Servicing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Due to financial hardship from the Covid-19 Pandemic, I have been unable to pay my car loan payment. I have made multiple attempts with creditor to come to a solution to repay the debt owed. There was extreme loss in wages that caused risk in losing our home. I requested the creditor to place 3 payments on the back end of the loan for the time being until it could be repaid but was denied relief of any sort. Requested to try to refinance but creditor stated that they do not do refinancing. Vehicle was previously in an accident so it would have become an upside down loan and placed my family and I in a harder financial situation to continue to make the payments. In result of that, my vehicle has been surrendered by the primary owner ( my ex-significant other ). The loan is still open in his name as well as mine ( I am joint owner ) and I have been without a vehicle. The vehicle was originally for myself but I had to be placed as the co-signor. The creditor also allowed the vehicle to be surrendered without my approval by the primary owner listed on the vehicle title. I was attempting to make as much of a payment as possible and was not aware that the vehicle was being surrendered until after it had been done. The vehicle was taken by the primary owner without my knowledge after it had been repaired in XXXX from an accident. I was denied access to my vehicle by the auto body shop when I made the attempt to pick it up when it was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have collections that need to be removed from my credit report. The website does not work properly. I have been able to submit disputes online with the other two credit bureaus however Transunion has made it difficult to almost impossible to submit a dispute online. After one week of trying I believe I have given enough time for Transunion to fix their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Recently I took a mortgage loan. We closed the property on XX/XX/2020. 
the title company took {$4300.00} for prepaid property taxes to the flag star bank. 
The Bank is asking to pay for the taxes starting XX/XX/2020. 
That means the prepaid amount ( almost 1 point ) in fact will not be used and dispersed for my taxes.

It seems the bank has taken extra money which is not for the purpose of tax payment. One point prepay would have reduced my interest rate lower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NM

Complaint narrative:
This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are  unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense 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 2020-09-16 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: NM

Complaint narrative:
This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: NM

Complaint narrative:
This is an ongoing problem. I will continue to submit complaints until enforced. XXXX  negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a XXXX XXXX XXXX XXXX XXXX New Mexico XXXX Order, the order states the " mortgage and note are unenforceable. '' XXXX is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense 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 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX - Account is involved in litigation. This account is being disputed for the reason previously stated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: FL

Complaint narrative:
XXXX XXXX - Account is involved in litigation. This account is being disputed for the reason previously stated.

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