vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I will keep this situation as direct as can be ... 

XX/XX/XXXX My XXXX XXXX XXXX was stolen from my apartment complex called XXXX XXXX  XXXX XXXX. And filed a police report with XXXX Sheriffs Office on the same day. My insurance company, XXXX, did not cover the damages due to them dropping me off the insurance plan due to me using my car for XXXX XXXX XXXX ( i.e. XXXX, XXXX  ) XX/XX/XXXX I contacted my Financial company, Santander Consumer USA, to inform them that my car was stolen and they still deem me liable for the payments ( $ XXXX/mth ), claiming that it was in my contract. Yet, they knew the car was stolen and they knew how to track it because they keep a low jack tracker  in the vehicle. 

XX/XX/XXXX The financial company seized my account and implemented a charge off towards my account, despite knowing that the car was stolen, which resulted in me riding in rentals from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I contact Santander Consumer USA to reach settlement and they tried to finesse with paying the full balance of vehicle, yet while KNOWINGLY having the location to the vehicle. 

XX/XX/XXXX I called Santander Consumer USA and gave them my police report, which solidified my case that the financial company knew where the car was located due to them have a low jack tracker  in the vehicle, same device used when a consumer leases a vehicle from a dealership. 

XX/XX/XXXX I received a phone call from the XXXX Sheriffs Office around XXXX about the whereabouts to my XXXX XXXX XXXX. And that resulted in me picking up the vehicle from a subdivision located in XXXX XXXX, FL. 

XX/XX/XXXX, XXXX XXXX, XXXX No communication made between me and Santander Consumer USA about working out a plan to fix this issue of non-payments towards the XXXX XXXX XXXX. 

XX/XX/XXXX I received a phone call from Santander Consumer USA phone client Ms. XXXX ( Emp # XXXX ) about working out a financial settlement to fix this issue, nothing was mentioned of a repossession at all, yet KNOWING about my circumstances-evidences and documented. 

XX/XX/XXXX XXXX XXXX XXXX  was repossessed unbeknownst to me, and I never gave them the address to my new place, which is located in XXXX, FL ( XXXX XXXX ). 

XX/XX/XXXX-XX/XX/2021 Been seeking resolutions and settlements from an incompetent financial service that is Santander Consumer USA, and they claim to only have one settlement which is a payoff. And as a result, the best solution for me is to let them take it to auction and pay the difference, which by that time I can just file a lawsuit and have Santander USA pay the difference for me, since they want to show their incompetence, lack of morale, and XXXX poor customer service, as well as business acumen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
My Mortgage servicer reported my mortgage a rolling 30 days late while I was under a forbearance during Covid. Under the " CARES ACT '' we requested a forbearance since my work was interrupted my Mortgage lender explained to me once I was at least 30 days late the forbearance would take place and I would be under the support of the CARES ACT. They stated if I was not delinquent they would not offer the program. Once I became in default I would have 12 months of protection under the CARES ACT. 

Within 45 days I was back to work, I felt I had not need to accumulate unpaid interest and I continued my payments I did stay 30 days late eventually up but I thought best to continue making my best efforts to make a payment each month in which I did. 

I have recently monitored my credit and I have found that my credit was rated negatively while I was under the CARES ACT. I have tried on more than one occasion to reach out to the Lender with little or no response. The entire time I thought I was doing good by at least making a payment each month and it seems I did nothing to help my situation. I also have found out that I did not need to be in default to get protection the Lender mislead me completely.

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 2021-07-20 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: AL

Complaint narrative:
Experian is the only bureau showing that a mortgage I had, with then XXXX XXXX, as having a late payment. I was never late on a payment and disputed the facts and at the end XXXX  and XXXX  fix the issue on my credit report but Experian did not. This status on my report is showing a negative on my behalf and is very incorrect. 
The problem came from a loan officer at XXXX XXXX  by the name XXXX XXXX telling me that they had a plan for the bank to take ownership along with the equality in the home without any negative to me. I was told that this wouldn't affect my credit or anything negative as long as I made all the payments up until they took ownership back which I did, if I kept insurance on it till that time, and at the end I should have a free and clear title. Me not know exactly what a XXXX was thought I would be ok. This happened in XXXX and now in XXXX I find that I'm unable to purchase a home with out penalty of higher interest rate and down payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
In XXXX, a US treasury note matured and was paid into my checking account. To earn some interest, I opened an online savings account with Citibank and on XX/XX/XXXX transferred {$100000.00} to that account. Several days later I received a debit card in the mail. Not wanting to have a debit card attached to an account with a substantial amount of money in it, I destroyed the card. 

Several days after that, I received a letter dated XX/XX/XXXX saying that Citi would not open the account because of a previous banking experience. ( I have no recollection of ever having had a bank account at Citi. ) I called the help line, spoke to a woman with a XXXX American accent, and asked her to return the money to the account from which it had been withdrawn. XXXX XXXX XXXX XXXX online. ) She said they couldn't do that but would have to mail a check to the address on record, and that I would receive it in three to five business days. ( With some difficulty, we established my identity after she had texted me a code. ) I waited a week, then another week, each day expecting that the envelope would arrive. When it didn't, I called the help number again and this time spoke to a man with an XXXX accent, very hard to understand. We went through the story again and he asked me a variety of identity questions ( which address associated with, what corporation associated with, the age of an individual connected to me ), all of which I answered correctly. But he said he couldn't find the account. I asked for his supervisor, which was done, and again we went through the process with the same result : nothing could be done. 

I then called the NH consumer fraud division of the state attorney general, which advised me to file a complaint through the New Hampshire banking commission ( which I have done ) and through you. I have also written directly to Ms XXXX XXXX, Citi 's CEO.

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 2021-07-20 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 previously submitted a complete Identity theft report # XXXX and XXXX, XXXX and Transunion have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.

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 2021-07-20 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 previously submitted a complete Identity theft report # XXXX and XXXX, Equifax and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have spent the last month trying to get Experian to correct all the incorrect information being reported on my credit report. My name, address, phone number, employment, date of birth are all inaccurate. I was told all information in my credit report is attached to a name that is not mine but even with submission of license, social security card, utility bill, DMV report, mail from XXXX they refuse to delete inaccurate information and update my credit report. Multiple representatives have told me all accounts on my credit report are attached to a name that is not my name or never been my name. Experian refuses to update my credit report and delete all negative items it is reporting even though it is all inaccurate and I have provided all requested documentation. I am unable to access my Experian credit report through XXXX or Experian directly. I am unable to lock my credit profile until this issue is resolved. I am unable to do anything and they have not fixed anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$790.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$740.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$980.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX charges appear on my account for many months I had plenty of money in my account and I have been sick a lot so I really Hadnt noticed the constant withdrawals I called in on XX/XX/XXXX to report the unauthorized charges on my checking account. They took the report and would be deciding on putting a temporary credit I few days later that happened then when I was out of town I notice my card being denied and I look into it and the bank reversed all of credits I called them snd they said that some time in XXXX I okd all those charges there is no way possible that they spoke to me snd these charges arent mine I keep getting s run around snd they say someone will call me but not one single person has followed through How could they remove the temporary credit a couple days after they gave it to me when it takes XXXX for the 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 explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient calls every night. I have never had a student loan. I need them to quit calling. When you try to speak to them they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Transunion on XX/XX/2021. The 1st account is from XXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Transunion within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to dispute these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2021-07-20 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: FL

Complaint narrative:
I sent a letter to Transunion on XX/XX/2021 regarding fraudulent inquiries. According to XXXX5 USC 1681c-2 they have refused to block this information from my report within 4 business days of the receipt of my identity theft report. Transunion is also violating 15 USC 6801 as they are violating my privacy and causing substantial harm and inconvenience to me as a consumer.

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 2021-07-20 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: Chime Financial Inc
State: TN

Complaint narrative:
I noticed numerous duplicate charges from XXXX XXXX XXXX on my bank account. I disputed the duplicate charges on my account with my bank. I received an email asking me to cancel the dispute with my bank and was told that disputes are a breach of their terms and conditions and can affect the status of my account permanently. ( attached ) I responded and let them know that I would cancel the dispute with my bank if they would do the right thing and give me my money back for the duplicate charges. When I tried to login, my account was deactivated. I then received emails from their sister companies but the emails came from XXXX ( attached ) telling me that I have violated their terms and conditions and they have permanently banned my account. 

At XXXX XXXX XXXX  you purchase gold coins ( I suppose it would be a service because it is not a product that you can actually touch ) and then you play games with those gold coins. Because I submitted a valid dispute for duplicate charges on my account, XXXX XXXX XXXX has now deactivated and banned me. I no longer have access to the XXXX XXXX  ( services ) that I purchased. I want my money back for the billions of gold coins that I have sitting in my account and have no access to use them. I paid for something and I do not have access and can not use their service. 

I have tried to explain this numerous times but Chime does not understand or have any questions, please let me know and I will do my best to explain it better. 

They denied my claim and stated that I did not give them enough information to move forward with my claim, they asked for the purchases that I made vs the duplicate charges - I send this to them numerous times. All I receive is a blanket response that I should submit a rebuttal and every time that I do they say they don't have the information they requested which they clearly do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Equifax on XX/XX/2021. The 1st account is from XXXX XXXX  and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Equifax within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

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