vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX received call from XXXX from XXXX XXXX XXXX. Robocall Trying to collect on an alleged auto debt from 2011 that was either put in a bankruptcy or is just time-barred from collection as 5-yr statute of limitations had passed. I called the number they told me to call : XXXX. The rep on the phone said his company is trying to serve me with papers for court from Santander over a supposed debt from XXXX. I told him about the bankruptcy. He said good luck in court and hung up. 

XXXX got another call from XXXX and told them the same thing. He said the robocaller is going to keep calling till my info is removed ; and Im still getting served papers for court. No court case info or anything. I called the XXXX County Clerk of Courts. They have nothing at all for my name. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: LEXISNEXIS
State: OH

Complaint narrative:
I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: NY

Complaint narrative:
I completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent 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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2020-05-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In early XXXX of 2020, we called Carrington Mortgage and requested a CARES Act forbearance on our FHA mortgage loan. We were told that it was granted for 3 months, and the Carrington employee then cancelled the automatic payment that we had set up. The Carrington employee also told us that we would be able to move the missed payments to the end of the loan, and that the mortgage loan term would be extended accordingly. 

Despite this XXXX conversation with Carrington, we received a " Notice of Intent to Foreclose, '' dated XX/XX/2020 from Carrington. We understand this to be a direct violation of the CARES Act. We want to make sure the Carrington Mortgage complies with the CARES Act, and does not take any action to harm our credit scores or to foreclose on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXXXXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX XXXX {$530.00} XXXX XXXX {$700.00} EQUIFAXXXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AR

Complaint narrative:
XXXX XX/XX/XXXX went to the u.s. bank on XXXX and Arkansas put my card into the ATM machine the machine kept my card waited an hour to speak to a representative through the door to advise them of the problem they brushed me off I had to force them to take my name and phone number to recover my card out the machine call the branch manager XXXX XXXX and she threatened me not to approach her XXXX man who showed up while I was in line trying to make a withdrawal with a withdrawal slip instead of the ATM and she threatened to call the police on me because I knocked on the door to get her representative XXXX and XXXX 's attention to let them know of the situation I was having with my ATM card stuck in their machine I have to wait for days which is Friday to get my card back I'm appalled I've had my account for three years this was my first time having a problem with using it ate my card at the ATM machine and I thought it was very unnecessary for them to have to call the police and make threats to me not to approach their XXXX man with my ID to get my card because he was servicing the machine at that time and I do have pictures to show proof of what I experienced today

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have two main complaints regarding Home Depot and Citibank : Home Depot CC # XXXX XXXX XXXX XXXX Canceled by me : 1. I was checking out a purchase at self help area of Home Depot in XXXX XXXX, NY. The attendant at that station came up while I was in the process. She asked if i wanted a Home Depot Credit Card ; I said no. She continued as if i did not exist, removed the credit card I was using, took information from that card, filled out forms putting the charge on a new Home Depot credit card, she said, finished the purchase, and handed me several Home Depot forms and told me I could pay for the purchase on the bill which would come to my house. Several times I told her I did not want the card. Again no response from her about my complaints. I left frustrated and annoyed but it was near XXXX 2019 and I had no time for this matter. I waited and waited for Home Depot bill or card to arrive. Didn't notice any bills or cards from Home Depot. Finally someone called asking me to pay. which brings me to complaint 2. 
2. The lady on the phone was just as obnoxious as the one in the store. She accused me of trying to get away without paying my bill. She said I had two bills and hadn't paid either one. I told her I did not receive anything from Home Depot but I was happy to pay the bill for the amount of the purchase and not for any overage charges since I did not receive any bill from Home Depot. I told her my record with credit card payments was excellent. Why didn't she believe me? She ignored me about not having received a bill, just like the lady who stuck this mess on me at home depot. I paid the amount of the " bill '' I owed for my purchased and canceled my Home Depot card. 
Since then I have tried to call Home Depot credit card complaint line but have not even been able to patch through to speak to a human person about my complaint. So, I have been reduced to making my complaint through CFPB!

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 monetary relief
Consumer complaint received 2020-05-18 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: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
This account max delinquency date is from sometime in XXXX. The account itself was charged off on XX/XX/XXXX. XXXX  is still reporting SLS 's account as XXXX verified in XX/XX/XXXX per a conversation with SLS that the account max delinquency date was in XXXX! This is incorrect and inaccurate information. I need a letter from SLS to provide XXXX that clearly states that this account was charged off on XX/XX/XXXX. I have spoken to my point of contact XXXX at SLS several times and he has been more than helpful but there is only so much information he can provide. The payment history he has given does show the charge off on XX/XX/XXXX but it is not clear enough for 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 2020-05-18 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}

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 2020-05-18 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: NC

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX  XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}

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 2020-05-18 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: TX

Complaint narrative:
ftc vilations In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I have a Mortgage with Home Point Financial and have been trying to get my escrow account corrected and overpayments refunded.. I am a XXXX XXXX XXXX veteran and exempt from property taxes. Home Point Mortgage continues to bill me excessive amounts which include property taxes. After many attempts to contact them and have this corrected and get refunds for the amounts over billed they are refusing to correct the issue and continue to bill me. They have also applied escrow payments to my monthly payments instead of escrow as clearly noted on my checks. I am in need of refunds for the excess I have been forced to pay. I have also requested a reconciliation report of the escrow funds and Home Point Financial will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo ( brazen ) abuse of clients, as well as lack of respect for the finical sector, to which such brazen criminal activities, gives this sector a bad name. I Have been having this problem with wells fargo, but it became blatant when I got injured on the job and was placed on XXXX since XXXX. Whenever i pay cash, this money would disappear and they literally tell you the money disappeared and was not applied to my principal. Wells fargo has been trying to take my car from me even though, they have been paid. Here is how brazen, shameless, dishonest, they are : So if on XX/XX/XXXX they stated that amount due to pay off entire loan, was $ XXXX.and payment due date is XX/XX/XXXX. Here they made no mention of payment received on XX/XX/XXXX in the amount of {$360.00} which was paid on XX/XX/XXXX. AT which time the overall balance owed to them, they stated was {$850.00} to pay off /or satisfy total amount due for car loan. 
The XXXX XX/XX/XXXX payment of {$360.00}, should have been subtracted from the total owed of {$850.00}, but was not. Even that {$850.00} is questionable due to their history of dishonesty. Since the XX/XX/XXXX statement of a balance of {$850.00} : The Following payment has been paid by me. 


1. On XX/XX/XXXX : a payment of {$360.00} was made to wellfargo so $ XXXX {$360.00} = {$480.00} 2. On XX/XX/XXXX : A payment of {$300.00} was made to wellfargo So $ XXXX {$300.00} = {$180.00} 3. On XX/XX/XXXX : A Payment of {$400.00} was made to wells fargo So {$180.00} owed, and i paid {$400.00} $ XXXX XXXX [ overpaid by me ] 4. On XXXX XXXX : A payment of {$300.00} was made to Wells Fargo . 
So XXXX = {$510.00} so a total of {$510.00} was overpaid by me unknowingly to wellfargo. I didnt realize I was overpaying because of their dishonesty, Yet they keep coming at me for more money, and if they had there way they would take my car. This is shameful. wells fargo needs to do the right thing. 
stop harassing me and return my {$510.00} .00 I overpaid Send me the necessary paperwork stating my car is fully paid for. 
pay me for the stress they put me though over the years [ well this will nt be worked out here, this part will be dealt with by the right entity. 
Stop!!!! stop sending me harassing statements that i owe them money. 
develop some conscience and integrity

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 2020-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
( BANKRUPTCY ACCOUNT ) To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached copy of my court documents which lists the creditors included in my bankruptcy. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, Florida. XXXX SSN : 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 2020-05-18 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: TX

Complaint narrative:
Attempted to place credit security freeze with all three credit reporting agencies online. XXXX and XXXX went successfully without any hiccups. Both companies websites were straight forward and went without a hitch. Experian, on the other hand, has been a nightmare. They try to upsell you at every turn and the option to place a freeze is obscured. Eventually, did find the link to place a freeze. After inputting all the required information, just as I had done with the other two agencies, the system stated that I could not do so online and that I would have to mail in the request via mail. The problem is they want sensitive information in the mail and do not feel comfortable doing so. Also when I called, it states that I have a freeze currently, but the website states differently. Can not believe how shady their operation is.

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 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
On Saturday, XXXX XXXX I was a victim of fraud on my Iberia Bank debit card. I had the card with me while I was reporting the fraudulent charges. I immediately contacted the customer service line and reported the three charges ( total {$1100.00} ). It appears that Iberia bank sent me a new card in the mail and somehow the new card was intercepted in the mail. The representative told me that I would get a call from the bank within 48 hours. I never received a call from the bank so I contacted the bank and was told that I would get a call from the Fraud department. On Thursday, XX/XX/2020 I called again and was told that they did not have in their file my report of fraud from Saturday. They claim they only blocked my card on Saturday for any future use but did not have any information about the 3 fraudulent charges. At that time, I reported the 3 charges to the bank representative and I also immediately responded to a Fraud text that I received ( see attached fraud text ). He later sent me a form I had to sign reflecting the disputed charges and said I would hear back from the bank after their investigation. The very next day, I received an email stating that the bank denied my claim for fraud because they claim that my PIN number was used. I have never given my PIN number to anyone. How can they deny the claim without conducting a thorough investigation? I don't understand how they can deny this claim as fraud was definitely committed! I did everything I could to report the fraud immediately and stop my card from further use. I did not make these charges!! Do they know who did? Where are the videotapes of the transactions? What do I need to do to get my funds back in my account? I believe the bank has been unfair and is entirely responsible for this fraud as I never received the new card they sent me and this is the card that was somehow intercepted in the mail. Your assistance in this matter is appreciated.

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