vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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: MD

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My husband and I filed for bankruptcy in XX/XX/XXXXafter the XX/XX/XXXX crisis so that we could avoid foreclosure on our house. Shortly before we purchased a vehicle from XXXX through XXXX ( which was bought by Santander I believe ). We did not include the car in the bankruptcy because we were not behind and wanted it to count toward our positive credit. However, sometime in XX/XX/XXXXSantander decided it would move our loan to their " bankruptcy department '' once they found out we had filed. Shortly after, I was locked our of my online account, and I did not receive any bills through the mail as I did before. I also did not receive any emails about my monthly statement. I had to call and make payments, which seemed very suspicious to me and was not something I consented to when I purchased the car using their services. I slowly phased out making payments, and my last payment was XX/XX/XXXX in the amount of {$500.00}. After that, I was frustrated with the lack of help in understand the restrictions on my account, and the amount due, that I stopped paying. It was at this time that the car was ruined by a mechanic who replaced the timing chain and subsequently an error in their work wrecked my engine. They failed to admit responsibility, so I poured money and time into filing complaints and looking for a lawyer, and didn't think twice about Santander. 

This past XX/XX/XXXX, Santander called my husband and said they were repossessing the vehicle. I had never received a notice from them about the amount owed or my account. The operator claimed that they could not find the car ; this was a lie as we have lived in the same location for nearly 7 years. Also, the car had been inoperable for the past 2 years. They came at night and got the car, damaging our driveway as the car 's engine had locked up and therefore the tow guy had to drag it. 

Today is XX/XX/XXXX. I am on hold with them. I asked the operator to verify the last bill I was sent. I've been on hold 15 minutes waiting for an answer. She will be sending me a list of all my payments. I have a letter (XX/XX/XXXX) stating that I broke a promise and will owe them whatever is left after they auction the car ( which they did so onXX/XX/XXXX ). 

I am an intelligent person ; this seems ridiculous. I do not plan on paying a dime without a fight. Please help me do so. 

PS - I will also be filing with the XX/XX/XXXX in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, there was an unauthorized charge of {$13.00}. My account went negative then followed by an overdraft fee of {$34.00} from Citibank. I contacted the merchant about the charge, and they refunded me due to their mistake. I called Citibank to dispute the overdraft fee and they refused to approve my request. I explained the situation based on the nature of unauthorized transaction. They did not care at all. They suggested to contact the merchant to reimburse the fee because it was their fault. I'm out of words.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX  in XX/XX/XXXX ally financial was the creditor I ended up filing bankruptcy and had it discharged in XX/XX/XXXX. But I reaffirmed the XXXX XXXX XXXX I made all the monthly payments and even paid it off early in XX/XX/XXXX and returned truck to the dealership. Now Ally Financial has put on all three of my credit reports under " REMARKS '' that this debt was a chapter XXXX bankruptcy. i explained numerous times and even sent e-mails to a woman named XXXX that works for Ally in the customer relations department that this information is inaccurate. I have recorded conversations of her refusing to change it. She says its up to the credit reporting agencies to correct it. 
This is a violation of the ( FCRA ) If Ally refuses to correct the FALSE & NEGATIVE information on my credit reports I would like have file a lawsuit for actual damages, punitive damages, attorney 's fees and cost. This WILLFUL VIOLATION is intentional It has caused financial problems and causing me emotional stress. I hoping that Ally Financial will correct this information before legal action is necessary. 
IF A CONSUMER REAFFIRMS A DEBT THE CREDITOR IS OBLIGATED TO TREAT IT AS NO BANKRUPTCY HAS EVER A CURED.

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 2019-08-07 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient has been reporting on my credit ( co-signed. ) My son has gone round and round with them about application of the payments he has made. They have in the past called me with threats to seize property or sue me. They were informed, at the time of job loss, for both the primary and the co. They have reported in error and have been one sided in details, even after trying to resolve and bring account current. Because of their bully  approach I now avoid giving my phone number or email address and require mail only. I would like to speak with them but they make it unresolvable to have a conversation. 
I had perfect credit and when they decided to put this on my report, this one account has dropped my score 200 points. Why would one account be so impactive when you have all the others excellent? I am upset and lacking confidence in student loans going forward. If this is the process for obtaining help to receive an education why would someone proceed? 
Who is stand in the gap for me and my son? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: MD

Complaint narrative:
Please see attached a copy of a collection notice from TRS Recovery Services , XXXX. This collection agency is trying to collect on a debt for a bank overdraft. It states that they are trying to collect on behalf of XXXX XXXX XXXX. I state for the record that I have never had an account with this bank. Therefore, I insist that full documentation be sent to me with 100 % proof that I had a checking account with XXXX XXXX XXXX. I state for the record that I never had an account with this bank, and I have spoken to this collection agency claiming that I am not the party they are trying to collect upon. I need all letters and calls to cease and desist permanently. If any reference to this illegal collection process in om my personal credit reports, then I respectfully request the removal of said collections.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XX/XX/2019I contact Walmart Synchrony Bank to see if my account qualified for a lower interest rate and was advised my account would be monitored periodically to see if it qualified for such reduction. I had not heard back anything from Walmart soXX/XX/2019 I decided to call again and check to see if my interest rate can be lowered due to the Federal Reserve lowering interest rates just recently and I was advised by a Rep that no it could not be lowered, I talked to Account Manager XXXX who reread the same script that I had been told in XX/XX/XXXX. This is making it extremely difficult to clear my debt with them and it's unfair to consumers when the Feds lower interest rates but Walmart Synchrony Bank will not follow the same protocol, I'm paying XXXX bucks a month in interest alone which is beyond ridiculous, please investigate

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX scheduled {$1500.00} in dental work and I agreed to pay to their credit service " COMENITY CAPITAL BANK on XX/XX/2019. I did have what they claimed a " deep cleaning '' done at this time. I have a complaint about this! hour of deep cleaning with the California Dental Board. On XX/XX/XXXX it was determined by their proxy dental office XXXX XXXX that the root canal and work was unneeded. This would have cut the total to about {$750.00} in dental work.Calls to this XXXX XXXX XXXX XXXX confirm this amount. 
The Comenity Bank despite a call and talking with a XXXX at the bank as well as a registered letter sent to them about this change on XX/XX/XXXX have yet to correct this billing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-07 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: FL

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I got a reverse mortgage in approximately 2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. The company looked into the taxes that was owed but did not show any credit for all the years of home owners insurance I paid since 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
I started using Freedom Debt Relief on XX/XX/XXXX. 
I closed my account with them on XX/XX/XXXX. 
I believe I've been charged fees for debts not settled and other extra fees. 
XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) unsettled debt, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXXXXXX ) Claimed they had settled a debt on XX/XX/XXXX, and charged me a debt settlement fee of XXXX. On XX/XX/XXXX, I found out that it had never been settled. I asked for a letter stating that the debt had been settled. FDR sent me a paper twice but it wasn't proof of settlement. The third time I called them, I was given a hard time. These fees and a lot of other smaller fees were charged to me also. I really feel like this company was deceptive to me when I signed up for the program. I would never suggest this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I initially pursue to buy a Warehouse, so my realtor recommended me to talk to a mortgage manager at XXXX XXXX Florida, we started the process in XXXX, since we only had a 10 % as downpayment we needed to involve the XXXX as well, we have our first interview, and then a month later, the loan manager ( XXXX XXXX ) came to my office to sign all papers, and he leaves a copy with all the expenses, except for the legal fees, which according to him, were hard to calculate, i asked several times about these fees, in order to have a good idea about the closing costs, but his answer was always the same. 
Finally, at closing date ( XX/XX/XXXX ) and an hour before signing, we received the HUD with all the closing costs, to our surprise, Legal fees were separated into 2, one for XXXX XXXX  Florida and the other for the XXXX, which together makes a total for {$10000.00} ( Hud Attached, points XXXX & XXXX ), im also attaching all the documents signed, to show that none of the documents provide an estimate on the legal fees, this extra {$10.00} that we didnt have into account, make a huge hole in my companies financial, to the point i had to skip my salary and stop pre-orders in order to be able to comply with my current debt. 

I complained about this at signing, but i had no choice to either sign and pay the XXXX, or to loose my deposit and all the fees and expenses that i had already paid ( {$5000.00} deposit + {$2000.00} ( appraisal ) + {$1200.00} ( bank fees ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: Rent Recovery Solutions
State: IL

Complaint narrative:
Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with Rent Recovery Solutions, LLC. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental complex. That agreement does not show Rent Recovery Solutions, LLC to be the company due payment, yet they sent that with an expectation of payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
The phone service with XXXX was terminated by me several ( more than four ) years ago. I decided to go with another carrier. I left XXXX on good terms. A few years later I was contacted by a debt collector asking for payment. As we discussed the matter further, it was clear to me that the debt in question was not mine. As the representative shared the address connected to the debt in question, I came to realize the address was not mine ( and never had been mine ). I explained to the debt collector, that they obviously had the wrong person. 
I thought the matter was over. It was not until I saw my XXXX XXXX account that I noticed that this issue was back. Very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TN

Complaint narrative:
I went to my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.

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 2019-08-07 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: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
Select Servicing Portfolio , Inc., is reporting that as of XX/XX/XXXX, I am 164 days delinquent in mortgage loan acct. # XXXX when I am not. The property was heavily damaged by Hurricane Mara and the prior mortgage servicer, XXXX XXXX XXXX XXXX XXXX, gave me two payment moratoriums. The first one was automatic and a second one was extended until XX/XX/XXXX, in letter dated XX/XX/XXXX. The mortgage was then transferred on XX/XX/XXXX to Select Servicing Portfolio , Inc., for further servicing. Select Servicing Portfolio, Inc., then obligated us to repay the amount of payments  accumulated during the moratorium period, even though the house was still under repair and reconstruction. We complied with their demand, and a payment plan was approved for such repayment doubling the amount of the mortgage payment for a period of time. Although I complied entirely by starting my payments on XX/XX/XXXX, and thereafter including doubling the amount of the payment, up to this date Select Servicing Portfolio , Inc., has refused to eliminate the incorrect reporting to the credit agencies that I am 164 delinquent on the mortgage loan. More than 4 letters have been sent to Select Servicing Portfolio , Inc., and today I held a 42 minute telephone conference with their Relationship Manager, but they refused to revoke the incorrect reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: CA

Complaint narrative:
I am a senior that was required to apply for a Direct express debit card in order to receive my XXXX payments. This card is supposed to be available for use at any ATM or bank that has a MasterCard logo. I prefer to use the Bank teller for transaction but I have found that after one or two visit l would be redrected from the bank to a atm machine. These atm machines only dispense {$20.00} bills which is a problem if you need {$XXXX}. So I looked at the back of the card and found that the bank that does business with Direct express is the comerica bank. I started going there and was helped inside the bank by teller until XX/XX/19. When i was directed outside again. The ATM made me withdraw two times and I was forced to receive XXXX XXXX dollar bills. Counting that amount of XXXX XXXX in the street is dangerous because you're always looking over your shoulder and you lose count so the machine can short change. 
a person. I was prompted to go outside to this absurdity again on XX/XX/19 and again on XX/XX/19. So i went into the bank a bit perturbed and request in the XXXX exchange for XXXX. When I asked why i always had to go outside to the ATM, The teller dismisses my questions with a XXXX ' I shall not address this issue with you. ' so I asked her if it was an absurd to have all these {$20.00} bills handed to me outside in the ATM. The Teller replied again 'I will not address this issue with you ' She asked me how much i handed her and my reply was that i didnt know and that she should count it. She replied it's my job to count money. I respondedThen do your job. she became bitter and said she would not help me anymore and pushed the XXXX XXXX back to me. I had to find a manager who at least exchanged the bills but refused to give me his or the tellers name. I received a card but it was not whom i dealt with. The card was for a -person named. XXXX XXXX. Assistance banking center manager her phone number is XXXX XXXX - XXXX. I wrote her an email as well as a text message and have not heard from her. I called the social security administration and was informed that all banks that have a MasterCard logo are suppose to allow me excess to the ATM or teller

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: FL

Complaint narrative:
I Did Not Authorize anyone to open any Account Using my Social and ID to open this Account

Company response to consumer: Closed with non-monetary relief