vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called Santander Consumer USA to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called Santander Consumer USA 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with Santander Consumer USA and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated Santander Consumer USA is absolutely not going to remove the write off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I got a Loan for {$500.00} from speedy cash in XXXX. It was not totally paid. In XXXX, XXXX put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I paid my loan off in XX/XX/2020. After several phone calls I have not been able to receive my title and can not register my car. The finance company said that they sent my title to the wrong address but would send a notorized paper to my correct address so that I could file for lost title. They have not done so. I have called them 5 times and only the last time was given any sense that the person on the line was going to help me. Each time they said that they sent the document, but I have not received it.

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 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XX/XX/2020 My current loan process at Quicken Loan has been stalled for so long and been frustrated with the company process and lack of transparency to consumer. I started the application to refinance an investment property in inland XXXX county with QuickenLoan around XX/XX/2020. Unbeknownst to me that the process has been abnormal and so long that no one at the Quicken Loan can me a straight answer why it takes so long to resolve. I have been in constant contact with Quicken Loan representative, specialist, and to date, it has not been successful. Lesson learned for me and other consumer out there that though the on line refinance process seems attractive but lack of dedicated representative is trouble. On top, all the helps and contacts have been more social the contact has been made but no real business decision to close the loan with individual like me. 

So, if you are in hurry to refinance with on line company, just be ready for surprise and delays Feel free to contact me for further XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mortgage Lender : Wells Fargo Mortgage Issue : Incorrect loan payoff amount upon paying off mortgage loan on XX/XX/2020. 

History : I prepaid my XX/XX/XXXX mortgage payment of {$2700.00} ( {$1500.00} in interest ) on XX/XX/2020. 
In an effort to reduce my mortgage principal and therefore save money on interest, I also paid on the principal amount of the loan ( {$140000.00} on XX/XX/2020 and {$6000.00} and on XX/XX/2020 ). 
The lender ( Wells Fargo ) failed to consider in their payoff computations this reduction in principal for the month of XXXX when determining the amount of payoff for XX/XX/2020. 
Because I prepaid my XX/XX/XXXX mortgage payment on XX/XX/2020, I am warranted an interest credit for the month of XXXX of more than {$350.00} since there was a reduction in principal during the month of XXXX. 

No Resolution : From XX/XX/2020 to date the lender ( Wells Fargo ) has not provided a resolution to this matter after speaking with at least 10 mortgage representatives and visiting a Wells Fargo Branch. Bank mortgage representatives have little knowledge in determining a loan payoff and only offer as evidence computer generated programs to support their case. Unfortunately, this issue can not be merely resolved by this process.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
You're all set! We've received the item ( s ) listed below and we're refunding your account. Thanks for shopping at Macy 's. 
Order # : XXXX Order date : XX/XX/2020 Payment method : Visa XXXX Refunded amount : {$110.00} SHOP MACY 'S Item ( s ) XXXX XXXX XXXX XXXX XXXX Qty : 1 Color : Tan/Gold Type : HANDBAG {$100.00} Order total : {$100.00} Shipping : FREE Sales tax : {$7.00} TOTAL : {$110.00} Featured help topics MAKING CHANGES AFTER ORDERING CANCEL ORDER WHERE IS MY ORDER? 
FREE RETURNS MORE ... 
Have questions? Contact Us XXXX i received no refund no one answers CS and i try to email your email does not work please refund.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Hello, My mortgage servicer is Dovenmuehle. When a Covid19 started I did reach out to them for more information regarding forbearance. As I did not get an answer I continued with monthly payments. 3 weeks ago i did receive a letter asking to sign for forbearance. There was no information about how it will follow after that ( if i will have to make a ballon payment, or one time lump sum after the period and so on ). I called the representative for explanation, but I only got an answer : " sign the documents and at the end of the period our representative will reach out to you and you will see what options do you have ''. I have never seen such activity, that a customer needs to opt in into program, not knowing what is the outcome. ( they can XXXX a customer down with this ). Other companies do provide plans and documentation of repayment before even going to forbearance plan. I did decline to sign any documents and go with that plan. Now the problem is that i can not make my monthly payments online. As I log in and try to make a monthly payment I get this message : " Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX with any questions ''. Did try to call this number and no luck contacting the representative. In addition I have problem with this company Escrow collection, too. I have multiple times asked to stop it as I want to do it myself. All the time there is a huge delay. Last time I got an answer that Im eligible, but still cant do it ( i am with them for more than 24 months, escrow is up to date and I did put 20 % down on this mortgage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: LA

Complaint narrative:
XXXX XXXX first reported a 30 late payment on my credit report to XXXX, XXXX, and TransUnion on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, TransUnion, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.

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 2020-08-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX first reported a 30 late payment on my credit report to Experian, XXXX, and XXXX  on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, XXXX, and Experian allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.

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 2020-08-29 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: AR

Complaint narrative:
EQUIFAX DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX XXXX XXXX AND EQUIFAX DATA BASES THIS IA FRAUDULENT PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I was a resident at XXXX XXXX XXXXXXXX in XXXX, Florida. After many attempts ( months ) to have the gates of the complex closed because of a home invasion in the apartment near me, As a single woman, I no longer felt safe and I gave my notice that I was moving. I paid for a gated community because of safety. For months the gates remained open. Once the shooting occurred, I contacted the property 2-3 times a week. I left my new address for follow up on my deposits. I received the attached and immediately responded in writing that the amount they were trying to collect was not valid and actually made no sense. I requested for them to review the payment information that had been made and provide an actually true account of the amount they were trying to collect. This request is also attached. I never heard back from this company. Then I see that a collection agency is on my credit report. I disputed several times.  XXXX XXXX came back as verified. I contacted the collection company and asked why I received no response from the original creditor and once again stated the debt is not valid. I also let them know that what they were doing was against the FCRA. They told me to pay the amount and it would be removed. I don't feel this is right. That debt is not valid. They ignored my request in writing. Now, I need to find an apartment, and I am getting denied based on this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I applied for a credit card on XX/XX/2020 - I have great credit in the 800 's - XXXX XXXX used : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX They reposted me as deceased and my credit score dropped 10 points because of it. 
I am very much alive and very concerned and quite annoyed. 

I've tried contacting the company, but there is literally no avenue to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, XXXX & Trans Union to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status. 
I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with Equifax, XXXX XXXX XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING  AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: IL

Complaint narrative:
I had contacted Sovereign Lending group from a direct referral from my XXXX current mortgage company for a refinance inquiry. I was simply inquiring about current rates and what my options might be. I was put in contact with XXXX XXXX, he asked some information and rattled off a few percentage rates. Then as I was on the phone with him, I get an email notice from my credit tracking service that they just did a HARD CHECK ON MY CREDIT REPORT! I did not authorize this, I did not agree to it, I was furious. I immediately told Mr. XXXX that I had been calling to only INQUIRE about refinance options and what the rates were currently at for conventional mortgages. I attempted to contact a supervisor and never heard back. I called yet again and someone told me I would get a phone call. But, at that point, its too late. The company and already hard checked my credit and now i had to scramble to look for refinancing options while it wouldn't further damage my credit rating. I definitely wasn't about to use Sovereign now due to this. THEN Mr XXXX XXXX had the nerve to mail me approx 100 pages of refinance documents with almost {$4000.00} in closing costs and saving me {$1.00} per month in mortgage payments. NOW i was mad and insulted and after he had the audacity to run credit when not authorized, is the reason for my complaint. Horrible and underhanded mortgage practices and terrible service and now they cant even fix the problem because you can not remove a hard  inquiry to credit bureaus.

Company response to consumer: Closed with explanation