vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander charged off my loan at only 60 days past due without any notice. I was informed by XXXX XXXX in XXXX. In XXXX I contacted them by email explaining my financial hardship and got no response back by email. Over the time my loan I paid always on time a few times I was a few days or wk late and they would threaten me with a repo. They told me I can not refinance my loan even though I was current at the timE. About a week or two ago a tow truck shows up at my house and gave my daughter a business card with case number and my name. I thought this was shady. Ive had some repos in the past and they dont notify or come during the day. Needless to say I have the vehicle tucked away till I hear something legitimate. I know most repos dont occur till after 180 or more days late and a charge off or closing doesnt happen till they have possession of the vehicle. Atleast where Im originally from thats how we do things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I applied for a loan on XX/XX/XXXX and was denied. The adverse action notice listed XXXX   and Sagestream as two companies that " provided information that influenced [ the lender 's ] decision in whole or in part ''. I requested my credit report from Sagestream on XX/XX/XXXX, providing them a photo of my drivers license and a utility bill, because their online portal where I made my request required me to do so. Sagestream 's website states that my request will be processed within 7 business days. It has now been 15 business days ( 21 calendar days ) since my request and I have not received my report, nor have I received any communication from Sagestream. On the other hand, I requested my credit report from the other credit reporting agency listed ( XXXX  ) on XX/XX/XXXX, and received it by USPS on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency Reliant. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a XXXX  illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app are a horrible company. They never protect accounts and when I report fraud, via email, no phone available to reach them and they never provide any documents, they only send a one sentence email : claim denied. It's frustrating and unfair and I plan on going to court to sue them via trial by jury if I don't get my money back. I've been going for over two years and their negligence is unmatched. Attached are all the responses they sent me. Also, all the transactions I want to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I disputed an account with this company on XX/XX/XXXX. It was sent to their fax number XXXX with confirmation of receipt received. The company failed to respond or provide any results of the request. I am demanding it be deleted as they didn't reply with in 30 days yet reported the account on my credit report as of XX/XX/2019. 

I have attached the fax confirmation and dispute letter sent to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I made a mobile deposit with two, nearly identical, weekly payroll checks. They informed me the following day, one or both were counterfeit, and my account would be closed in two weeks without any investigation into the matter. I attempted to inform them my sister is my employer, and both checks were authentic, but they didnt seem to care. They cancelled one check, and are holding the other for two weeks. My sister issued me two replacement checks, but one can not be cleared until WF releases the other supposed bogus check. Ive bounced three checks because of this overreaction, and Ive nearly been evicted.

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 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX and the company has provided false information to XXXX  stating I have an existing obligation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX  and the company has provided false information to XXXX  stating I have an existing obligation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.

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 2019-11-10 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 — Investigation took more than 30 days
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
As of XX/XX/2019 and disputes handled through CFPB Vanderbilt Mortgage agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result Vanderbilt has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time XXXX  continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from Vanderbilt on several occasions. XXXX  explains that upon disputing this information the update info based on what Vanderbilt gives them. However Vanderbilt states they have not updated any information since providing the letter to delete trade line

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 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: TX

Complaint narrative:
XX/XX/XXXX workmans comp. Went to ER. I had several medical bills that came in. XXXX  XXXX XXXX said they were working on them. One of the Bill 's was XXXX XXXX XXXX XXXX XXXX. I only got 1 bill from them so I thought that it was paid finally. Then in XX/XX/XXXX on my credit report was that amount but it was a different name " Head Mercantile ''. So I called from my credit report and tried to talk to them since this was a workmans comp bill but the man was rude, verbally threatening. He called me a liar about it being workmans comp. He would not help with information about the bill. Except keep telling me that he would do any and everything possible to get the money. 
XXXX XXXX  XXXX XXXX XXXX hired Head. I eventually found out " XXXX '' found out that it was workmans comp and not self pay. They filed with XXXX XXXX yet leaving Head after me for the bill. I have talked to " XXXXXXXX '' and have an updated bill but " Head '' will not accept the bill nor will they remove it from my credit. I'm attempting to buy a house but my credit scores have dropped because of the derogatory bill against me. I'm XXXX XXXX   XXXX veteran on limited income and this is what no one will help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I had a medical debt that went into collections with MBA law collection agency. The balance was from XXXX XXXX XXXX hospital in Florida for the XXXX  of my son. I paid {$5000.00} in advance to my XXXX  for my XXXX   and XXXX. I then paid any additional statements I received from the hospital. I moved shortly after the XXXX of my son and never received any additional statements despite having my address changed with the post office. 
When I attempted to buy a car I checked my credit online and found a collection account from the hospital. I was denied a loan for a car due to this. The hospital never responded to my repeated requests for information and neither did my obstetrician. 
Defeated and fearing for the credit score I had worked so hard to obtain, I worked out a payment arrangement with the collection agency and have paid consistently and paid my agreed upon balance due over a six month period. 
I went online months later to check my credit score so I could try again to buy a car and found that MBA law has opened a second collections account for the same balance I have already paid off! They never removed the account I paid off and they also opened a fictitious account ( with the same original debtors information ) under their partner company ( XXXX  ). Now I have three separate accounts in collections for my one original debt that I was so excited to have finally paid off. I have not received response from MBA law,  XXXX or the original creditor when I tried to find out why they keep sending me to collections for the same original balance due. 
I even attempted to settle the amount with the hospital if they would only share with me the details of the debt. I have no reason to believe this is an accurate balance due, but they are affecting my means of transportation and therefore my ability to provide financially for my family. Here I am several months later still trying to find answers and I have come up empty handed and begging for rides from friends and family. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2019 and disputes handled through CFPB XXXX XXXX  agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result XXXX has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time Equifax continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from XXXX on several occasions. Equifax explains that upon disputing this information the update info based on what XXXX gives them. However XXXX states they have not updated any information since providing the letter to delete trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi closed my account in XX/XX/2018. They illegally withheld my money which I tried to retrieve over and over again for months to no avail. I wasted countless hours going to the local branch, on the phone and checking my emails. My balance was {$1900.00} and after countless promises, I received nothing. In XX/XX/2018 I filed a complaint with the office of comptroller of currency and they immediately responded and offered a {$1000.00} refund check while the investigated. I agreed because I was in desperate need of my OWN money. I contacted the representative who mailed for {$1000.00} and asked her about the rest and she told me that balance was adjusted after the account was closed. That's a joke! Not only they illegally withheld my money, and the refund check for {$1000.00} 5 months after they closed my account is evidence of wrongdoing on their part. They still owe me approximately {$900.00} and they refused to send any documents, statements or anything of that sort. I no longer have access to the account. I want my {$900.00} immediately or I'll take legal action and seek a trial by jury pursuant to the 7th amendment.

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 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
My house is broken into in XX/XX/2002 my identity purse was stolen I noticed on my credit report there was different false accounts that was not mine due to Identity theft. There's a collection on there from XXXX XXXX XXXX  I tried to reach out to Midland funding to let them know this was identity theft they didn't care they kept telling me I needed to pay this.I paid some of these smaller things that I'm not paying anymore I've already spent {$4000.00} trying to clear up my report.I don't feel as a victim I should have to keep defending myself against these companies. I have sent XXXX  XXXX my police report my FTC report and still nothing I would like this off of my credit bureaus all three of them it's hurting my credit.I 've spoken to Midland funding over and over letting him know this was not mine they don't care they are very nasty company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of XXXX I was at a night club. I paid for and signed a legitimate bill for approximately $ XXXX.After I  left the club, there was a second, unauthorized bill that my card was used for, approximately {$700.00}. 

I filed a dispute and My fraud claim was denied repeatedly because Bank of America said that the club had my signature. Of course they had my signature, they forged it on the second bill using the first bill that I signed. I refused to pay the {$700.00} and closed my account. 

I wrote letters to Bank of America, the credit agencies, but to no avail. 

In XXXX of XXXX my credit score fell 50 points, referencing this unpaid bill from XXXX. The agencies Are penalizing me twice for a bill that was fraudulent on the first place.

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 2019-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I have an account under a name thats not mine. They used my phone number, email, and social security for this matter. I cant access my own account or personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 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: NV

Complaint narrative:
Out of nowhere, XXXX  added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NV

Complaint narrative:
Out of nowhere, XXXX added 25+ delinquent student loans accounts to my credit. I tried to to dispute it for over 1 year and has ruined my credit. I even resorted to the FCRA which clearly states in Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. And they admitted that they can not show me the original documents because everything is submitted electronically. They're literally in violation of the FCRA. I demand immediately removal of said accounts or I'll take legal action via trial by jury pursuant to the 7th amendment.

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 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: SC

Complaint narrative:
AR Resources Inc. is reporting a collection that was ALREADY PAID! I paid this medical debt through XXXX XXXX XXXX and it has fallen off of my credit report! AR Resources Inc. should not be reporting anything to my credit files ( XXXX, XXXX or XXXX ). They are trying to report this item twice and I NEVER dealt with AR Resources Inc. at all! They just popped on my report out of the blue for a collection that has been PAID! I want it removed!

Company response to consumer: Closed with explanation