vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We have been in COVID forbearance since XX/XX/2020 and everything was fine. We called United Wholesale Mortgage to find out about extending our forbearance in late XX/XX/2020. They explained options at the time and we were supposed to call back in XX/XX/2020. Then, I received delinquency notice in the mail and called in XX/XX/2020 to find out why. I was told they removed us from forbearance accidentally due to error in coding. Since XX/XX/2020 I made over 20 calls to UWM to have them rectify the issue. On XX/XX/XXXX, a payment automatically drafted from our checking and we need this to be reversed ASAP as it the last few XXXX dollars we have for food and medical supplies. I made multiple requests for a supervisor callback, and to this date XX/XX/2020 I have not received any calls nor voicemail nor missed calls. Each customer service rep gives me different information and all they can do is send a request for a callback. This is unacceptable and we request immediate attention from UWM to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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.
State: FL

Complaint narrative:
Trying to freeze/unfreeze/refreeze my experian credit history. I had to complain to their customer service department to get my credit unfrozen on more than one occasion. I use there web based solution, and I can't make any changes to my freeze status as their own copy/pasted information they do not recognize within their web site forms. 

On top of that, they make you think you have to buy their services to unlock your credit and/or lock your credit by bringing you to a purchase page first and putting in extremely small font, their " freeze '' page is at experian.com/freeze. Enter your information into their form, and it doesn't recognize your information, and they then tell you you have to send a printed document to an address that will take several days to process. 

THIS IS INEXCUSABLE in today 's world. I am FORCED to use their service. This company is so poor, I would not do business with them with the sole fact I am forced to use their services because THEY have unrestricted control of my credit information. This is CRIMINAL. All I want to do is change my unfrozen information to frozen and here I am filing a complaint against them as they have frustrated me to no end. They deliberately do this to try to force one to buy their worthless products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
My on time payments for XXXX and XXXX have not been reported to the credit bureaus. I have asked them to update but it has not been done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have my home mortgage account with Fifth Third Bank. My payment is made with escrow included. In XXXX my monthly payment including escrow was increased from {$1900.00} to XXXX. My payment are made automatically with {$1900.00} in XXXX, and again in XXXX. However with XXXX being short of {$27.00} the bank placed my account into foreclosure. Ive made the payment differences and full for both XXXX & XXXX on XX/XX/2020. Ive asked the bank to remove this foreclosure on my credit and was told they can not due to not taking partial payment. Again my mortgage payment is made with principle, interest and escrow. 

Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MS

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: IL

Complaint narrative:
My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX an old account from XXXX finally dropped off my credit report. In XX/XX/XXXX it reappeared in my collections causing my credit score for all three bureaus to drop a significant amount. I couldnt find the original paper receipt given in person at the time to dispute it, so I paid off the amount so it wouldnt be an issue again. [ screenshot attached ] I made an ONE TIME payment IN FULL [ screenshot attached ]. The XXXX representative at the time of making the payment stated to submit a dispute with each credit bureau using the receipt I requested to have sent to my email as proof as to having it removed from each credit report. It came off with XXXX  and XXXX. I submitted multiple requests to have the account removed through the dispute center on the experian website as well as on the phone with the experian dispute center representative. In result- its still not removed [ screenshot attached ]. 
XX/XX/XXXX I received a notification that my XXXX  score went down a significant amount of points again [ screenshot attached ]. Experian updated that I had a new late payment in the last 60 days for same the XXXX account in collections [ screenshot attached ]. 
I disputed it several times that it was false ; yet Experian failed to remove that error, they only updated it [ screenshot attached ]. 
On Experian it states that I paid off the account instead of paid in full. I dont see how an account in collections that didnt have monthly payments & having proof of it being paid as a ONE TIME, IN FULL payment had generated late payments and causing my score to drop. [ screenshots attached ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bernhardt and Strawser, P.A.
State: NC

Complaint narrative:
I respectfully ask that the CFPB supervise my dispute with this debt collector. 

On XX/XX/2020 I received a letter from Bernhardt & Strawer regarding an alleged debt. In response, I sent a certified letter ( rec'd/signed for on XX/XX/2020 ) stating no agreement would be considered as my position had been stated clearly in previous communication with their alleged client. However, I presented my position in the same manner and requested evidence that Bernhardt & Strawser, P.A. has legal standing to collect on this alleged debt. In a letter dated XX/XX/2020 they failed to comply with this request, instead sent unauthenticated computerized copied billing statements along with generic terms and conditions. 

On XX/XX/2020 I sent another certified letter ( rec'd/signed for on XX/XX/2020 ) advising how their claim would not be considered because they cant demand monies for an alleged debt for which no proof of ownership has been verified or exhibited. 

In response, Bernhardt & Strawer sent another letter dated XX/XX/2020 with the same information as their XX/XX/2020 letter ; along with the same unauthenticated computerized copied billing statements and generic terms and conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a savings account on line with Citi Bank. On XXXX XXXX XXXX   transfers XXXX from them to Citi Bank. This transfer occurred on XX/XX/XXXX. In the meantime Citi Bank closed the account because I use a XXXX mail store for my address as I have no home mail delivery. They say that I must have a home address. They closed the account. Now on XX/XX/XXXX and after many many calls to both banks neither can tell me where my funds are or accept responsibility for this. I am at my wits end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
The account was opened in XX/XX/12 and I was a co signer in a vehicle purchased. When the veh was returned it was promised the overage in mileage would be taken care of by the dealership. It was not and this account is over 7 years old. It should not be reporting on my account as it has been charged off and no communication has been had with this account. 

I would like this removed as it is out of the statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I originally had a car loan with Gateway Lending XXXX XXXX XXXX  XXXX which closed down in XX/XX/2020 for their shady practices and sold to Santander. Well I had Santander prior, and they are not much better. I had my XXXX XXXX for 6 years and it was a very bad loan. My original cost for the car was {$23000.00}. I still owe $ XXXX and they have repossessed the vehicle. I did not really believe I owed Santander since Gateway posted a balance of {$0.00} on my account and credit in XX/XX/2020. Since they repossessed my vehicle two weeks ago, I have tried to call them to get it back by payment of the past due and fees and either they hang up, tell me I can get it and then the finale was the last yelling guy saying I could not get it back and demanded $ XXXX in two weeks. They are horrible people like Gateway and I can only imagine what others are going thru especially during these times. I want Santander to stop their harassment and horrible tactics to humiliate and degrade consumers. They ( Santander ) do not understand what us consumers have dealt with Gateway Lending prior. They will arbitrable state you were late and put fees on your account even when you were not ( gateway did this ). Many other consumers have echoed these complaints with them. It was hard to take a stand with them because they would just ruin your credit. I tried to inform Santander of these practices and also alert them of the lost of income which occurred this year. They did not care, they just took the vehicle and based my incorrect history with Gateway as leverage to deny me to get my vehicle back. They should know better with all of the class action lawsuits against them and the company they purchased Gateway. I never had a chance with the horrible loan I received and the horrible people I had to endure to try and get my car back. I needed to pay {$3700.00} by XX/XX/2020 and they will not allow me to get my car back! Instead they want a single mother like myself to go into debt with a vehicle that I will not own because they are the company and we are the little consumer. Shame on you Santander! I will let everyone hear the recordings of how your employees spoke to me during this time, during a pandemic and how you denied me the basic human decency to get my car back with a bad loan and bad companies like yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On the Experian for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history 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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
I had a self lender loan and after deciding it was not the right decision for me, I canceled the loan. You pay the fees upfront so they allow you to cancel it. In XXXX of XXXX I reapplied and on XX/XX/XXXX I received an email stating that my loan has not been approved. My credit report shows that my last payment was made on XXXX XXXX XXXX and that the loan was paid in full but it was 30, 60, 90 days late. Ive contacted Self Inc multiple times because that loan wasn't approved and that's why no payment was made. They refuse to change the information on either loan. Oh the first one us also reported late even though I reached out and canceled that loan because it was 3 days late. They responded to my email to them 3 days after I canceled the loan. Late payments are a big deal ive even asked if I start another and pay everything on time will they remove these late payments. They said no but suggested that I start a new loan to maybe balance out the late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation