vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
To Whom It May Concern, As a borrower of Santander Consumer USA, I have reached out to the company with my concerns about the auto loan account that I have open with them. I have addressed the fact that I, as a low income borrower, was not aware of the 27.99 % APR on the auto loan, which exceeds California 's usury rate. In fact, they exceed the rate by 17 %. I've been a borrower of theirs for over two years and have not yet paid half to the principal, and have reached out to them with major issues to break down into detail about where my own money was going towards. I have politely asked for refinancing options as well, but was denied this. I have asked for Extended Payment Plan, which they had charged an additional 5 % without notifying me, and the representative over the phone never clarified to me. I have tried my best to keep up with the payments, but feel that I will need to reach out to those of higher authority to help alleviate some stress. My auto loan borrowed was initially {$12000.00} to finance for 60 months. Beginning XXXX of XXXX, I have only paid less than {$1000.00} towards principal which doesn't make any sense, for I've made payments on time prior to my recent financial struggles in the past year of XXXX. I've closed my credit accounts to pay for this auto loan that is clearly a depreciating asset, but none of my money has gone towards the principal of this car. I've kept in contact with Santander about my situation in hopes that our business could become better, but I honestly feel a deep disrespect from the lender as I've tried my best to be cordial. On XX/XX/XXXX on a Thursday evening, I've called to manage my past due balance to bring my account back to current, and was told by 2 separate representatives an amount of {$620.00} made before XX/XX/XXXX would bring my account back up to current. I was not told of any other late fees that would be charged onto my account. Today, XX/XX/XXXX, I called to confirm this amount and was actually charged an additional {$260.00} onto my account, which was only three business days, and after speaking with a representative and a Supervisior who've clarified the additional charge. I asked to be waived of these extra charges because I was not given this information, and was again denied. If there is a reason for my default, I believe that Santander is in exploit of that. I am not satisfied as a consumer and would like to report this scandal. If Santander strives to be a company of prosperity and respect, they wouldn't dig a deeper threshold for their own consumers. Files will not be included until I receive an e-mail via CFPB. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via XXXX XXXX. 

On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account. 

When i called PHH mortgage i was informed there were issues with the website and or the wording of they payment denial issues. 

I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. 

PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: CA

Complaint narrative:
The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX  account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX  as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: VA

Complaint narrative:
There is inaccurate information on my report. This is a violation of my privacy. As well as a violation of the FCRA rules and regulations. 

{$500.00} XXXX XXXX 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 2020-03-04 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: FL

Complaint narrative:
I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED Equifax, XXXX  and XXXX s. On XX/XX/XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: FL

Complaint narrative:
I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, XXXX  and Experian s. On XX/XX/XXXX, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Had XXXX  for my mortgage company for years, then all of a sudden XXXX of 2017 get a letter saying my new mortgage company was Nationstar, then come to find out they cancelled my insurance gave me a credit for the insurance, got insurance again on the home, then kept doing an analysis on my loan and kept upping my payments saying there was a shortage on escrow, this has been an on going issue, and now this time they cancel my insurance and put force insurance on my loan and only covers enough for my loan which doesnt even give me anything to rebuild, how can they cancel the insurance and put the other insurance on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit International Corporation
State: WA

Complaint narrative:
As far as I can remember, I never owed money from anywhere else, but on XXXX of XXXX, all for sudden and out of blue, I have received mail from collection agency and they are called 'Credit International Corporation ' stating that I have debt that went to their collection agency and stating that there is interest amount as well. but never received any other validation email from those folks prior to receiving this mail today. And I'm pretty sure I never used any service or goods without paying anything or never had a call from anywhere that I had due from them ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: DISCOVER BANK
State: OH

Complaint narrative:
Agreed to complete 12 month payment program to get my account back into good standing without closing the account. Informed by numerous representatives that once I completed the program, my monthly payment would be reduced and my account would no longer be suspended and I would be able to use the card again. Informed by manager XXXX XXXX Id # XXXX on XX/XX/2020 that even though I completed the program, my account could be suspended indefinitely. Discover NEVER mentioned this information to me when I first enrolled in the program nor when I called in and asked about my account being reviewed and unsuspended in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NC

Complaint narrative:
Equifax has allowed XXXX XXXX XXXX continues to report false derogatory information to the credit bureau.. I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided XXXX and equifax with court documents from XXXX County Clerk of the circuit court to validate my claim.Equifax has never investigated my claim regarding XXXX and has allowed them to continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: AR

Complaint narrative:
After recently reviewing a copy of my credit report I noticed some accounts being reporting that were opened without my knowledge or consent. I took action by completing a FTC identity theft report and sending it to all three of the major credit bureaus ( XXXX, XXXX, & Equifax ). I also noticed that my personal information being reported was inaccurate which included fraudulent addresses and incorrect date of birth. It has been 30 days and I have yet to hear from the credit bureaus in regards to receiving any verification or correspondence regarding my dispute. I am aware of the Fair Credit Reporting Act and statues 605b, 609, and 611 which has Equifax violated my consumer rights but not providing any verification within the 30 day allotted investigation time. Equifax must remove the four fraudulent accounts in question or face litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly 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
Consumer complaint received 2020-03-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The following accounts were opened without my knowledge : XXXX   XXXX  XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX  XXXX  XXXX  XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX WELLS FARGO CARD SERVICES XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on XXXX, and Wells Fargo is listed on all three credit reports, XXXX, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.

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 2020-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
i send my docment in so you can see they ripe me off, i did know what i was sign so what can i do they want to collect on the termof the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I open checking account in Citibank in XXXX and when I was opening the account I was told I need to have one direct deposit and one bill so I can avoid monthly XXXX $ fee and so I have setup my direct deposit and my bills. Recently I was reviewing my statements as saw Citibank is charging me monthly XXXX $ fee over a year at least from XX/XX/XXXX. On XX/XX/XXXX I was talking to a representative on Citi Mobile app 's chat and she told me my bill should be and I am quoting " Qualified bill payment is Automated payment services that can be set up at financial institutions. The customer need provide the bank and company with debit information and bill are withdrawn automatically out of a checking account and reported monthly statements '' and I told her that exactly what I did and she said let me check and never responded, so called them and told I have a bill and direct deposit and they told me they have a policy of returning only last 60 day not more and it is my fault because I did not check my statements previously ( which is correct If I check my statements I would have noticed ), but that does not change a fact they charge me incorrectly and they are refusing to return 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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had this Best Buy card a while ago by best buy. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly 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
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: PA

Complaint narrative:
I originally had my mortgage with XXXX XXXX. XXXX sold my mortgage to Amerinat in XXXX 2019. I contacted Amerinat in XXXX to find out why I wasn't able to pay more mortagage. I was told that there was no account information available to me in their system and that I would receive payment information in the mail once it was set up.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a previous complaint in on syncrony bank/care credit card. I wish to add additonal information. Today I received a statment. Upon reviewing the statement I noticed I was charged {$83.00} in fees. I immediately contact sycrony bank to discuss this. I was told that I am past due on my payment. I explained to them that I only made 1 purchase on this card back in XXXX. It is a no interest card if paid in full by XX/XX/XXXX. XXXX. From day 1 monthly payments are {$160.00} However the past few months the monthly payment is going up I explained how can this be if the balance is going down why is the monthly payment going up? On top of this I don't receive a statement every month from them. I call on the due date or 2-3 days prior to make the payment on the phone. They have no right to tell me that I'm not making the full miminum monthly payment that is required. As I stated prior from day 1 the minimum monthly payment is {$160.00}. Now they reported me to the 3 credit reporting agency 's as being 30 days late. This is completely wrong. The customer service rep was unable to go back the prior months to see why this is happening. To me this is not an answer. How can you not view the whole history from when the account was opened? And now i'm being charged late charges. I myself tried to view the account from 8 months ago and the system will not allow me to do so. I've had nothing with problems with this bank.

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 2020-03-04 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: NY

Complaint narrative:
Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.

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 2020-03-04 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: CA

Complaint narrative:
The following accounts were opened without my knowledge : XXXX  XXXX   XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on Experian, and XXXX XXXX is listed on all three credit reports, Experian, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.

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