vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Recently received a credit report from XXXX which reflected a Santander XXXX account opened in XX/XX/2013. I have disputed this account in the past to no avail. It is my belief that the creditor is now taking steps further to intentionally report false information about me in order to keep this zombie debt on my credit file. The delinquency dates and repossession dates are being fraudulently changed by the creditor!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: MI

Complaint narrative:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} WXXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXD Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.

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 2022-02-12 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: PA

Complaint narrative:
I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing is attempting to carry out an illegal foreclosure sale against my homestead residence without any right to do so. Below, I will highlight the reasons this is a wrongful foreclosure action in XXXX XXXX Florida. 

1. This wrongful foreclosure case began on XX/XX/XXXX, more than 13 years ago. 
2. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Docket # XXXX ) 3. Discovery was compelled to Plaintiff to prove Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Dockets # XXXX, XXXX, XXXX, XXXX, XXXX ) 4. Eight days later, Plaintiff filed notice of dismissal on XX/XX/XXXX, since they would not respond to compelled discovery to prove Standing. The effect was the Plaintiff admitted a Lack of Standing. ( XXXX Docket # XXXX ) 5. The requirement that a Plaintiff must have the right to foreclose has never been proven by this Plaintiff, which is unlawful. 
6. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX XXXX, XXXX ( XXXX Docket # XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: NH

Complaint narrative:
To whom it may concern, On XX/XX/2022, I received an Experian Alert, indicating that my credit balance for one of my accounts was decreased, but I was unable to login without providing my social security number. I'm also unable to reset my password. Please see attached. 

The alert relates to an issue whereby I was charged the wrong amount by a vendor ( where I am living ), on XX/XX/2022, which appears to have raised a fraud alert. The vendor may have reported the issue to XXXX XXXX XXXX XXXX ( affiliated of the XXXX ). Then the erroneous charge from the vendor on XX/XX/2022, went through on XX/XX/2022. 

On XX/XX/2022, I reported fraudulent activity to credit card company ( XXXX ) for a charge on XX/XX/2022, from the same vendor where I am living. I also reached out to to XXXX  XXXX XXXX XXXX directly, but they left early for the weekend and insisted on proceeding with unusual billing practices. I have also informed the XXXX Corporate Headquarters ( see case number XXXX ). 

Regards, 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 2022-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I called SpotLoan around XXXX the XXXX cause my mommy passed suddenly on XXXX the XXXX. She had no life insurance. After my mother died I was trying to pay for funeral and struggling financially. I called Spotloan and tried to work out an affordable payment plan and was denied a payment plan. Was told I wasn't behind on my payments and they couldn't help me until my account defaulted, I at that time revoked ACH authorizations by Spot Loan that issues loans through bank BlueChip Financial. When my account defaulted they added late fees and interest to the loan. I borrowed {$800.00} on XXXX the XXXX of 2021 made XXXX payments of {$150.00}. 
I am now aware that SpotLoan could be issuing loans in Georgia illegally and have faced class action lawsuit for high interest rates in other state. BlueChip Financial agreed to pay {$18.00} XXXX to resolve claims that Spotloan interest rates and loan terms were illegal, and class action also claimed that the companies lacked the proper state licensing to provide loans in various states. 
SPOTlOAN now has turned my account over to a collection agency XXXX XXXX  stating I owe {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( TTY XXXX ). 

SpotLoan charges a annual interest rate of 490 %. Annual percentage rate 490 % finance charge {$2500.00} amount financed {$800.00} after all payments I would of paid {$3300.00} for {$800.00} can view class action settlement here XXXX XXXX XXXX/lawsuit-settlements/closed-settlements/spotloan-high-interest-rates-class-action-settlement/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried months to get this fraudulently address off my report experian refuse to remove 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 2022-02-12 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
My account with CB INDIGO, account number is XXXX, should have no 30 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early XXXX XXXX  has not call back they dont respond I have problem with XXXX  XXXX XXXX that was fraudulent I have a ftc report and police report they did not co operate or abide by the rule of the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
XXXX XXXX gave a legitimate claim to Helvy & Associates on XXXX from a electric utility invoice associated with a investment property sale. They claim 2 notices were sent along with a VM left for a {$110.00} invoice. 

Helvy & AssociateXXXX made no reasonable attempt to collect this debt in good conscience. They pinged my credit for collection of a {$110.00} debt without attempting to collect. When I was made aware of this on on XXXX, I immediately sufficed the debt and asked them to remove this collection due to the nature of circumstances. This was not done. This has severely adversely, effected my ability to gain credit in a matter of days, dropped my score by XXXX points, and without cause. 

In short, they are illegally placing items on credit collections, without attempting to collect the debt. This is my only collection and has no jeopardized a XXXX XXXX dollar commercial loan obligation. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We were informed by BBVA ( now PNC Bank ) that our mortgage loan would mature on XX/XX/XXXX, per a letter from the bank dated XX/XX/XXXX. To our surprise the amount due on XX/XX/XXXX was not our required last payment of XXXX, but we were informed that it was XXXX. 
We paid the XXXX in fear of foreclosure on XX/XX/XXXX. 
We have requested an explanation or payment record supporting the XXXX discrepancy from BBVA on XX/XX/XXXX and PNC Bank on XX/XX/XXXX. 
While we did receive a request for more information from PNC Bank which we provided on XX/XX/XXXX, we have yet to receive any information to support the balance we feel we were forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chex system has not complied with me or responded Im trying to remove a fraudulent account from my report.

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 2022-02-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: All Reverse Mortgage, Inc.
State: NC

Complaint narrative:
Yesterday we were researching All Reverse Mortgage about Reverse Mortgage financing so we went online to the calculator ARLO to see what our property value is. Today I get an email from XXXX XXXX at All Reverse stating that they did not make loans in my state of North Carolina and referring me to another company. This is false information because they do make loans in North Carolina. When I responded to the email I asked XXXX XXXX why he lied to me about making loans in North Carolina? His response was " we do plenty of loans in North Carolina but because you have a XXXX XXXX  they could not make me a loan ''. This too is a lie because about two years ago they were going to make me a reverse Mortgage loan and payoff the XXXX XXXX we got all the way to scheduling the closing when we backed out because All Reverse wanted to take over {$50000.00} and hold it in escrow for what they told me at the time was property taxes, I explained to them that I pay my property taxes every year and there was no need to hold out that much money! They insisted that they had to hold out the money which would have given us basically nothing while owing them over {$100000.00} dollars, at that point we backed out of the loan. They told us to wait until the XXXX XXXX  was paid off and re-apply which is why we were checking into the property 's value now for a possible re application in the fall after the XXXX XXXX XXXXs paid off in XXXX of 2022, three months from now. The bottom line is that this lender is not reputable and should not be designated as a government endorsed lender, they are dishonest and corrupt and should have their credentials pulled, I'm sure we aren't the only ones that they have misled!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: NJ

Complaint narrative:
Equifax send me a report of a Dispute item indicating that this account is accurate but they fail to send me VALID DOCUMENTATION between me and this collection agancy.. NO SIGNED CONTRACTS OR AGREEEMNTS .... NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My account with CAPITAL ONE, account number is XXXX and XXXX, should have no 60 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX system has not complied with me or responded Im trying to remove a fraudulent account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My mortgage holder is XXXX XXXX  XXXX I have been making the required payments to them on time and have been making payments in the correct amount as shown on the monthly payment slips. I have copies of all of them including the checks all paid in the amount showing on the payment slips. 

For the first time last month, I checked my account on line. It indicated my payment was ONE CENT short. I then increased last month payment by one cent. I thought it was a one time occurrence. No, this time on line, the amount showed I was again one cent short, but this time the previous one cent disappeared. I have read a home can be foreclosed if the payment is one cent short for several months. If for some reason, if there was a error shown on my monthly payment slips, new slips should have been sent. I have no idea how long this has been going on. 

This is the second time they tried to pull a fast one. Unknown to me, they purchased a second XXXX  Policy, one from XXXX and one from XXXX using my escrow in hope that I could not pay the additional escrow and they could foreclose. Had to straighten that mess out myself. My home is valued at about {$390.00} and owe about {$120000.00}. 

Does this indicate financial abuse of the elderly? I am 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 2022-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Due to the pandemic, we were a couple of months behind on our mortgage due to a lack of full-time work. This eventually led to late payments and an accumulation of late fees that were overwhelming to pay off to FlagStar. After multiple attempts in refinancing our mortgage we were turned down and left to simply suffer the consequences of handling the burdening monthly payments to the best of our ability. At the moment, we still currently remain XXXX  months behind on the mortgage as we continue to climb back towards some degree of stability.

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 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022 I applied for the XXXX XXXX XXXX. I received a message that they were unable to verify my identity. The email said to call customer Service. I called and explained that I am an existing XXXX customer with an investment account. The rep said she could see that I was a customer in good standing. I was told to try the application again. I got the same message that XXXX could not verify my identity. I was told that I would get a call in 1 to 3 days from someone in their back office. I waited 4 days and did not get a call or email. I called back to customer service on XX/XX/2022. I was told to reapply and wait 1 to 3 days for a call back. They said the issue is not my credit. The problem is they can not verify me. This is insane. In order to have the XXXX XXXX account they had to verify my identity. The US Patriot Act required that. Obviously, they are not following the US Patriot Act. If they were then they would have verified my identity when they opened the Investment account and would not be having this issue now. I want to know what the issue is? If they can't verify my identity then there must be an issue that I need to address.

Company response to consumer: Closed with explanation