vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: Santander Consumer USA Holdings Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from Santander and XXXX XXXX. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TX

Complaint narrative:
On XX/XX/2021 I sent a certified mail letter to the three bureaus regarding Inaccurate accounts being reported to my credit report. It has now been over 60 days that I have not received a response, I feel as though my request has been ignored. In this time of a pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the Equifax data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Account has been locked for a week which started XX/XX/21. I have called fraud protection every day since and have not gotten feedback or a resolution to the problem. Every representative has stated that my account will be resolved in 24- 48 hours but it has been a total of 8 days and i am still uninformed to the problem and there still has been no resolution.

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 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sent a letter disputing an error I sent a letter requesting method of verification No action was taken

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 2021-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to make a complaint against the Equifax. I really think this credit reporting company has a huge issue with my credit score being in the excellent category. I mean every time my score goes up, Equifax always manages to knock it down drastically. Can you please investigate Equifax as to why my score dropped 54 points? I mean they have the same data as XXXX does but they felt the need to drop my score by a great deal of points. No explanation was given. As an American consumer I have a right to know why Equifax has damaged my credit. I really need some answers. Please investigate them, I feel its about race.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: MN

Complaint narrative:
I got a loan through Prosper marketplace for {$19000.00} for debt consolidation and was making regular payments while I was working up until the pandemic hit where I was trying to negotiate with them to lower the payments because the payments were too high being {$650.00} and I was no longer working. I spoke to one of the reps and they said that they could not lower the payments but after the loan was past due I could take a settlement and get on a new payment plan where the payments would be lower but I paid the settlement and the total that was owed on the portal site did not go down for the {$12000.00} when I signed the settlement to pay half of that amount by making 3 payments one of which was {$5000.00} and {$680.00} and another payment of {$330.00} to pay what was in the settlement agreement. I looked on the site and my credit report and they are reporting that I owe the full {$19000.00} which tanked my credit XXXX points and I asked them to explain to me why if I made the payment on the settlement are you not changing the balance on the site from the {$12000.00} to reflect what has been paid. I get the runaround and nothing changes. 
I need to get this straight so that my credit is not ruined because they are reporting incorrect information to the credit bureaus. The interest as of now is still going up on the amount owed and I am being reported as delinquent. I called and spoke to several reps the managers the collections department and I am getting nowhere and I need the resolved ASAP!

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 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the evening of XX/XX/2021 I received an email from BBVA USA compass, a bank that Ive been a customer with for the last three years, stating the theyve disabled my access to my checking accounts via online or the app. No reason was given and I couldnt get anybody on the phone until the morning. 

The morning of XX/XX/XXXX. XXXX I was transferred to a rude and nasty person named XXXX in the card fraud operations department. XXXX told me my accounts have been frozen and will be closed due to the number of disputes Ive sent it regarding unauthorized charges to my account. Theres only one person in this entire company that can freeze an account per XXXX and her name is XXXX. I have approximately 21 individual disputes totaling {$2200.00} from unauthorized transactions as I have a relative whos present incarcerated at the Georgia XXXX XXXXXXXX XXXX and we speak via email on the XXXX app whos the third party their corrections department sources out emails and phone calls too. Somehow someone got a hold of my card number snd was sending cash to different inmates through XXXX and XXXX which I never have used. Theres other charges such as overbilled hotel charges and other things BBVA already has ruled in my favor and close some of these disputes. 

When they closed my accounts, I have a balance of {$6700.00} which consists of my monthly social security earnings and some of my settlement for my backpack my from my social security XXXX case. I also received my stimulus check of {$1400.00} on XX/XX/XXXX the day they decided to freeze my accounts. 

I have no access to my money : Im a XXXX veteran whos low income on Social security XXXX. That {$6700.00} is my life savings and I cant even put gas in my car right now, pay my rent, lights, nothing! 

The rude people at BBVA said theyd send me a check once they conclude all of the open investigations of my disputes. They said that can take up to 45 days. 

This is totally and completely unacceptable!!! I need my money sent to me as quickly as possible! This company has no idea how this has screwed my entire life up and I can be homeless in the next two weeks if I dont pay my bills. Even worst case scenario the {$2200.00} they ruled against me for which they wont still leaves {$4500.00} of my social security and stimulus money I need!! 

Theyve discriminated against me for being XXXX, theyve treated me like a common criminal when Ive done absolutely nothing wrong! I want my {$6700.00} thats rightfully mine overnighted to me ASAP! 

Please help me with this rogue bank who thinks people have 45 days to get money back thats rightfully theres and they illegally freeze and cant live and will be evicted from their house and lose everything!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Since XXXX, XXXX, I have been contacting TransUnion via phone and mail, logging into my online account and sending USPS Priority Mail with tracking no, XXXX. The mail was delivered at XXXX XXXX  on XX/XX/XXXX. I have called several times and the response is " we have no mail from you '' this is despite me providing over 20 pages of documents on at least 3 occasions. When I call, even speaking to " supervisors '', I am told there is nothing they can do without the mail or I can submit online which as I explain does not work. I log onto my account and go to submit a dispute, put in all the information and receive an error message saying they " are unable to process my dispute online ''. The items dispute are seriously adversely affecting my credit, include being denied credit. One of the accounts was never a collection account and I sent proof that the account was paid in full and in fact they ( XXXX  ) sent me a refund check for an overpayment Both XXXX and XXXX have removed this account and I sent copies of the dispute investigation to Transunion along with copies of the refund check and statement showing full payment. In addition, Transunion is reporting four ( 4 ) other accounts by duplicating them, they are reporting the original creditor as delinquent and then reporting as collections with another collection agency so it is reporting twice. My last call was today, XX/XX/XXXX and the " supervisor '' basically send she could do nothing. I have paid to send 20 pages of documents with a tracking number because they said they never got it the first two times it was mailed by regular mail. This is unfair and inaccurate credit reporting and these items should be removed : Date Reported XX/XX/XXXX - Payment Status - Collection/Chargeoff Account Status - Derogatory - Original Lender - XXXX XXXX XXXX - Highest Balance $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ( XXXX ) XXXX. The other items are as follows : XXXX XXXX - listed two times, original was XXXX COLLECTION/CHARGEOFF - {$780.00} XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$8600.00} XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$1700.00} XXXX XXXX XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$1700.00} I have worked diligently over the past two years to correct my report and fix my credit and this is severely damaging as it is incorrect. 

I have no recourse because my phone calls results in no help from the representatives.

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 2021-04-09 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: Colony Brands, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a credit acct with TD XXXX Card Services from XXXX XXXX XXXX. In XX/XX/XXXX I paid my acct. 1 day late ( made pymt on XX/XX/XXXX ) and was charged {$27.00} late fee. In XX/XX/XXXX I paid it 2 days last ( made pymt on XX/XX/XXXX ) and was charged {$40.00} late fee this time, a {$13.00} increase. Both times I called to ask for assistance with the late charges and if they could offer a hardship and they refused to refund the late charges and said I was not eligible for a hardship. I explained I am out of work, I lost my job due to the COVID pandemic and juggling to pay the bills but make sure this gets paid every month. I was told I used a hardship for deferred pymts from XX/XX/XXXX until XX/XX/XXXX, when I actually only used the deferral for XXXX and XX/XX/XXXX. They stated both times I was not eligible for another hardship. I asked if I could re-apply for another hardship since I did not use the entire 6 months they offered but I was declined. I make the pymts monthly but was late due to having to make mortgage obligations and make their pymt once I receive my unemployment. They are not willing to work with me to make the pymt due date a few days later to avoid the late charges. When I asked to speak to a supervisor I was told there is nothing the supervisor could do and told me it would be a long wait to speak with a supervisor, When I was on hold for the supervisor, they disconnected me. XX/XX/XXXX 's pymt was 3 days late ( made pymt on XXXX ) so I included the late charge when I made the pymt. on XXXX. When I seen my next bill online they still included the late charge of {$40.00} with the next pymt. ( {$170.00} ) for a total due of {$210.00}. When I called to see why I was told the late fee was applied to my principal and nothing she could do about it. When I asked if she could re-apply the {$40.00} I paid with the pymt to the late fee she said no as I tried to explain I am having a hard time making the pymts and to see if she could ask if this could be done she in a hurry said no and thanked me for calling and rudely hung up. Her agent id # XXXX. With my unemployment and the pandemic stimulus payments it does not come near to what I was making while employed. My wife has been out on FMLA due to an unexpected XXXX. I am not looking to not make my payments, just a little assistance with the due date change or the late fee waved, as I have tried to explain this to the credit company. Given we are in the mist of a pandemic I don't know how they can continue to charge late fees and then raise the late charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I bill was created by XXXX XXXXXXXX in XXXX. The hospital claims to have tried to contact via mail. However, I never received information on this. In XX/XX/XXXX I was contacted by a debt collector. I immediately called my insurance company and they said I was billed for a private room which I never requested. The insurance company contacted the hospital which was to remove the excessive cost and contact their debt collector to correct the information. On XXXX XXXX. Phoenix financial placed a collection on my account with the inaccurate information. Myself along with the hospital has contacted the company to make them aware of the error. XXXX XXXX went as far as to ask Phoenix financial to remove the negative mark on my report to give me time to pay the bill with the corrected amount. Myself and the hospital called the company on three way and they continue to stated they have not received anything even with the hospital representative on the phone. At this point I dont know what to do. I tried addressing this wrong information in XXXX before it was placed on my report. They hospital has tried correcting the mistakes however the company refused to receive the erroneous information. Please note this was an issue that was being discussed and attempted to be fixed in XXXX before it was placed on my report in XXXX of XXXX. The hospital admits to their mistakes of not getting the information updated before it was placed on my report and has sent many emails to have the company remove the information but continue to refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.

Complaint narrative:
Using the Experian website, I'm unable to lift a security freeze on credit reporting about me by Experian, despite entering the PIN Experian gave me when I placed the freeze. The website demands a bunch of other information, including my SSN, birthdate, and address, and it presumes my address is in the USA - it demands a state and ZIP code - which it was when I placed the freeze but isn't anymore - I now live in XXXX. When I submit the form, the website declares that it can not lift the freeze and advises me to send paper mail to an address in Texas, including a stack of documentation to prove I am who I say I am. Calling Experian on the phone leads to a phone tree ending in a recording of the same advice. ( No possibility of talking with an actual human is ever offered. ) WHAT THE XXXX?! I have the PIN. That should be enough. It's outrageous to demand that I spend a bunch of time gathering and sending documentation on paper and then wait who knows how long for a reply ( which like as not would be, " We're sorry, but ... '' ). This is flatly unacceptable. 

I've encountered no such problems lifting freezes at XXXX and XXXX. 

*Entering my address when I placed the freeze or my last address in the USA does no good. And as far as I can tell, Experian has no presence in 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 2021-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Texas Guaranteed
State: FL

Complaint narrative:
Currently I continue to received threatening and harassing letters from the company Trellis, who currently has my student loans. They had agreed to take out money out of my wages to remove any negative credit reporting and bring my account to good standings. Not only did I have wages garnishment, but they also didnt bring my account to good standing as promised. They also have not been willing to work with me in the process until recent. They continue to send letters even though the Cares act was implemented into Law to prevent creditors such as these from any type of wage garnishment and payments until XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: UT

Complaint narrative:
I am a veteran trying to refinance my property. I was working with Loan Depot to try and lower my interest rate and take some money out of my property, and was told I needed an appraisal. I paid for a VA appraisal of {$600.00} and had the appraiser come as scheduled. After my appraisal was complete, I suddenly stopped getting communication from Loan Depot. Three weeks went by since the time of the appraisal, and still nothing.

I tried to call and ask the appraisal company, who had called me to schedule the appraisal, if I could get a copy of it. They told me that Loan Depot had the appraisal and that it would be up to Loan Depot if they were going to release the appraisal, which I paid for, to me! 
I reached out to XXXX XXXX at Loan Depot, the individual who was selling me the loan, and I was told that I could not get a copy of the appraisal until I closed the loan with Loan Depot. I am effectively being held in limbo because they have since cancelled my loan but still refuse to give me, or any other company I try to have help me, a copy of my appraisal. 
I have spoken to many individuals, both at the appraisal company, and Loan Depot. I have been given conflicting stories about where my appraisal is. On one hand, they are telling me that once completed, they are contracted to deliver the appraisal in 7 days, and the next person I speak to at Loan Depot is telling me they have never received it. I am extremely frustrated and feel as though my money is being held over my head in the form of an appraisal to coerce me into doing business with Loan Depot. 
XXXX XXXX and XXXX XXXX and XXXX XXXX have all been involved and are refusing to help me get this appraisal.

Company response to consumer: Closed with explanation