vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
On or about I called my lien holder Santander and tried to begin or arrange some sort of payment plan because I was falling behind, although they never one time sent a letter of notification of my account being in default and the person on the phone was trying to tell me she was attempting to collect a debt that whole thing with me XXXX this is not a debt collector agency it cant legally charge off the debt and then use it as a loss to their shareholders like I was informed then on several streaming to timely update the major credit reporting bureaus they made huge and potentially very violation and deceptive acts such as making my account as closed and charged off as a loss but they cant sell the debt to themselves because they are as federal law can adjudicate because I also never regret one collection letter to the matter of default or notification to collect because legally they can have the thought that they can identify as. A debt collector and thst bought the debt even not after 180 days to legally fault and anyway they reported on a different report that my account last payment was in XXXX when the other agencies had charged off the entire debt and used as a loss to the shareholders so they also never once made a collection call of sent notice so I could dispute snd also verify the value of the debt so they just came and actually legally had legal documents to take my car they never did one Indiana law to legitimize the repossession of my vehicle because they did not sell the debt in i order to collect my property especially if my other credit report Is showing the balance Id accruing interest after it was charged off because the difference in the charge off amount and the fact the are not reporting that payments I did make after my charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for XXXX XXXX and the other for TD Bank ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from XXXX XXXX about the first card which had a ~90 day past due balance. The TD Bank account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for XXXX XXXX XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXXXXXX XXXX XXXX a former FBI XXXX XXXX  crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The loan process started with Bank of America on XX/XX/2021. 

The loan is still in process and the loan # is XXXX for the loan amount of {>= $1,000,000} The loan has been approved and the loan was locked in at a rate of 2.625 % Bank of America sent XXXX XXXX and his wife XXXX XXXX XXXX, a XXXX XXXX a promise to reduce the rate an additional .25 % if we deposited an additional {$500000.00} with BAnk of America. 

We did that earlier this month and we still have not received the discounted rate of 2.375 % on this same loan number. 

We deposited a check from our XXXX XXXX XXXX XXXX account earlier this month and have a receipt for the deposit. 

We are still waiting for Bank of America to honor their written commitment which we have a copy of. 

We are scheduled to close by XX/XX/2021 and they have not given us the promised rate.

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 2021-05-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX  Balance : {$1700.00} XX/XX/2020 Debt does not exist and should be removed.

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 2021-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX I contacted the Wells Fargo rewards department regarding a flight credit that I have due to a covid-19 trip cancellation. During this call, I was told that Wells Fargo did not have my correct birthdate on file and the rewards department would not speak to me or correct the issue. The manager XXXX I spoke with was incredibly rude, argumentative and kept speaking over me and then hung up on me. I then called back that same evening and spoke with the bankers escalation line who confirmed this was a bank error and dated back to XXXX. My complaint was forwarded to the executive office but they never contacted me, despite being told I would receive a call within two business days. I received a canned email stating the rewards department would not speak to me without an accurate birthday. 

Now here is my problem with that : 1. This company has had an incorrect birth date on my profile for almost a decade. According to your agent, the birth date was incorrectly added to my profile when I opened a team member checking and savings account while XXXX by Wells Fargo in XXXX 2. This company XXXX me with an incorrect birthday on my profile 3. This company gave me a checking and savings account without verifying my identity and my birth day 4. This company gave me a mortgage, and then later closed my mortgage, without verifying my identity and birth date. 
5. This company changed my profile from my maiden name to my married name without confirming my birthdate 6. This company opened a high limit credit card that is in regular use without confirming my birthdate. 
7. This company cashed in thousands of rewards points for a {$700.00} flight without confirming my identity via birthdate. 
8. This company opened and closed a second checking account without verifying my birth date. 

Ive spent 11 years as a customer with this company and for 11 years they have failed to identify their error. They have failed to confirm my identity for almost a decade while opening accounts and a mortgage. Then, when I identified their error for them, they failed to take ownership and address the issue. Their executive office responded with a canned answer of the rewards department requires you to confirm your birthday instead of addressing the true issue of years and years of Wells Fargo failing to adequately know your customer.

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 2021-05-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX XXXX  's at XXXX XXXX XXXX XXXX Florida which uses Synchrony Bank for their credit cards. I Bought A ring and 2 days Later returned it on XX/XX/XXXX. I handed it over to the Fine Jewelry supervisor like your suppose to. XXXX took it. I originally lost the receipt of returning it. XXXX the manager called me a liar said he looked on video and told me I put it back on my hand. This is NOT true. They for some reason put the ring in my husbands name - We were together but have different last names. this was a {$2400.00} XXXX Later went on sale for XXXX. But after I brought it home I decided I didnt want it. I didn't look right. I was going nuts trying to find the receipt for returning it. Once I did. I emailed it to the manager XXXX, And all of sudden it was there. They have been trying to rip me off for a long time. I contacted Corporate and was promised XXXX gift certificate for all of my inconvenience XXXX XXXX - Have not got anything. 
On XX/XX/XXXX I was back in the store Ask for XXXX. I had a very expensive pair of XXXX shoes never worn cost over XXXX They are Too Large. I tried my best to exchange them and they would not let me. So they are useless. I have already paid for all of this and my husbands clothes we bought there already. Didn't have my shoes so had to order them online. This whole ordeal has been a nightmare. Someone needs to help me. They are still saying I owe for this ring.

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 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: SC

Complaint narrative:
Platinum Home Mortgage Corporation, PHMC, continues to charge PMI on the mortgage though the XXXX is presently at XXXX  % I've made several requests over the past 3 yrs to stop PMI. I understood PMI would be charged since the down payment was less than XXXX %. 
I have made consistent mortgage payments for the past 4 years never even late and always paying more than the required amount. 
The Homeowner 's Protection Act of XXXX and XXXX 's website states aXXXX XXXX % XXXX and a consistent record of payment the PMI is automatically removed. They are using every excuse not to stop PMI like not enough entity, requiring a XXXX for {$150.00} or a full appraisal at {$320.00}. The recent excuse is FEMA declared a high risk emergency in XX/XX/XXXX But in reviewing FEMA 's website XXXX XXXX is not on the list. Also I believe the XXXX was achieved before XX/XX/XXXX so that occurred after the loan was under XXXX % XXXX. 
I need help and want a refund of unearned monies. They also have my {$150.00} in a restricted column after agreeing to credit me placing it in the principal column. Two weeks later unbeknownst to me the credit was removed and placed in a restricted column and no BPO was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX ( XXXX ) aM a victim of identity theft. I already contacted the police, the creditors, and I filed a FTC REPORT # XXXX. I sent each credit reporting agency a statement letting them know that these accounts were fraudulent on XX/XX/2021, and they completely ignored my request and consumer rights. Please remove immediately under 15 USC 1681c-2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that I am seeking to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX Citi bank froze my account and is being very rude about it they are holding my funds at this point I just want to be done with them and get my money Im losing valuable time Im behind on bills etc please help this is becoming a nightmare at this point Im begging for my money

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 2021-05-22 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: TN

Complaint narrative:
I am writing to you because I am a victim of Identity Theft. I found items that is not supposed to be in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
School went under bankrupt and had all the student leave without completing the program. The school allow us to discharge my loan due to closing of school doors. This took place at the end of XXXX and started XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
After sending several disputes to XXXX, XXXX and XXXX  in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call TD Auto Finance to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from TD Auto Finance plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/2020 I became very sick from XXXX issues, and I was out of work for nearly 7-weeks. I was late for the XX/XX/2020 mortgage payment by a few days, but that was due to my inability to work. Finally I recovered to 100 % strength, and I have been on time with every payment since. I could have requested a deferment for 6-months, but instead I decided to fight my illness. I respectfully request for Citizens One Home Loans to forgive my one time late payment for my difficulty last year. I could have requested the deferment but did not, and I believe that I should be entitled this one time courtesy. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that Experian never once informed them that their information on my CR had been reported as resulting from identity theft. 

Experian has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.

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 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, and XXXX have furnished my consumer report to multiple persons without my express written consent as provided insection 1681g ( a ) ( 5 ) -aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 



XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales Financing : XX/XX/XXXX XXXX XXXX Bank : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX AF - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/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 2021-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
Im facing sheriff sale, I filed modification with mortgage salene months ago only they put me off. So I get a letter in mail from this company to govt program to stop sale immediately help get modification fast. 
They took XXXX outta my account and there is no such company and the sale hasn't been cancelled : ( im desperate for help and don't know who to trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a credit card account with Capital One in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.

Company response to consumer: Closed with non-monetary relief