vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I have attempted to worked with PENNY MAC to restructure my loan with an affordable loan modification. PENNY MAC refuse to grant me loan mod and forwarded my loan to a lawyer for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MI

Complaint narrative:
Someone opened a XXXX XXXX XXXX credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXX XXXX and never will. I have disputed this with XXXX, XXXX, and TransUnion to no avail.

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 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a certified letter to AWA collections to verify the alleged debt they are reporting on my credit report. Its been more than 30 days and I have not received any response from them. They are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Zions Bank has been calling daily during business hours to collect payment for my closed Amegy checking account. I have repeatedly asked them to email a detailed statement and include who and where to send a payoff check. Yesterday I finally told them to stop calling my cell phone for any reason and only email the requested document to XXXX. I DO NOT WANT ANY MORE CALLS FROM ZION BANK. I'm not avoiding payment only want to see the itemized payments after the account was closed.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In early XXXX XXXX a fraud account was opened under my name, I came to know this after I received a letter from citizens bank to activate a new debit card I called the bank directly on XX/XX/XXXX I informed this is a fraud account, but it seems the fraudulent people were faster they opened 5 accounts under my name and start to issue fake cheques to my name all the cheques were bounced back unpaid, I called the bank 4 times every time I receive a letter from the bank. Because bank refuse to take action and close the accounts fast claiming they need more time for investigation, the result of their ignorance on XX/XX/XXXX I received a call and letter from XXXX collection company asking me to pay XXXX $ debt for a XXXX XXXX XXXX XXXX. please I need your help I don't know how to protect my identity after my personable information was breached by scam email on the internet, and these people could still open fraudulent accounts even if your credit report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: AZ

Complaint narrative:
I have disputed this issue numerous of times with XXXX and Equifax only to be told that they verified the information by computer with the creditor. XXXX stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both Equifax and XXXX. This account was previously blocked for identity theft but was placed back on my credit report by Equifax and XXXX without notifying me in writing that it had done so or as to why. XXXX and Equifax have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into Equifax to check dispute information. XXXX website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several letters to experian/XXXX ... ... Experian through the XXXX scoring system is displaying that I have 116 late payments. I have gone through my consumer report and have noticed that they are reporting lates as far back as 16 years ago. 
It is my understanding that lates, old accounts fall off in seven years therefore it clearly shows the experian is bias and prejudice toward and is purposely trying to hold my score down.

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 2021-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Hello, how are you going to send me a medical bill if my son has XXXX and has XXXX what bill are you going to charge me, XXXX covers everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pull my credit report because I was denied a XXXX loan. On my report it shows the company that is reporting the negative information and I call they said they was supposed to report it and received the information from the state. When I called the state, they said they do not give the information out to anyone. I called the CRA again, and they stated that the information came from another agency. I want the information deleted. I do not give them permission to report the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
On about XX/XX/XXXX I noticed several unauthorized charges made on XX/XX/XXXX, XXXX, & XXXX. On The same day I had my card canceled and submitted disputes for all 49 charges. The Current customer support team member asked had my card been stolen I advised him, No that I still had my card. So I received an email about each of the disputes on XX/XX/XXXX stating that the disputes had been completed and based on the facts of the investigation, they concluded no error occurred, therefore no credit would be issued, and that this matter is considered closed. I emailed them back letting them know that I didnt make those purchases, have no idea who could have, and that I was already in a bind on money and could barely make ends meet as it was and now {$2200.00} was just took from me by some place Ive never even been to, nor heard of. That money was needed and I was counting on it to pay my rent and bills that were due. Im a single mother of 4 children and work my tail off everyday trying to keep a roof over our heads, so for this to happen and nothing I could do about it, it really hurt me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Someone opened a XXXX XXXX XXXX  credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXXXXXX XXXX  and never will. I have disputed this with XXXX, Experian, and XXXX to no avail.

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was contacted by " XXXX XXXX XXXX  '' regarding an old debt from 2008 in my name with XXXX XXXX. They said they attempted to serve me at an address I haven not resided at in 7-8 years and that they are attempting to file a judgement with XXXX for {$3000.00} ( including legal costs ). I was told the attorneys name was XXXX XXXX and to expect a XXXX  agreement which I did and screenshotted. Since they failed to know my current address I looked up the company and attorney name. That name is NOT a legal attorney in California. I also called XXXXXXXX XXXX They stated they DO NOT contract out collections and do not have any account in my name open, closed, or in collections. Also I was living in XXXX  when that debt was signed for but also resided in XXXX since. Both states statue of limitations have been not only exceeded but almost doubled XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: TN

Complaint narrative:
I have told this company more than 10 times to stop sending junk mail and loan offers. I marked refused. I have called American Financial Network and told them and I have registered with the postal service as well. This is wasting trees and I do not want or need anything from them.

I want this these letters and offers to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: SC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: SLM CORPORATION
State: NC

Complaint narrative:
We have a Mastercard through SallieMae and have paid much more than the minimum payment well before the due date. Our credit limit on this card is {$3500.00}. We last used the card on Monday, XX/XX/2021 for {$38.00}. Shortly after we tried to use the card for a {$9.00} purchase and the card was declined. I immediately logged on and saw there should have been over {$600.00} available. I tried calling the company and received messages that they were closed until XX/XX/2021. 

Our account not only showed an available balance of over {$600.00}, but it also showed two recent payments : {$400.00} posted on XX/XX/2021, and {$200.00} posted on XX/XX/2021. Both of these payments cleared our bank immediately. 

When I finally was able to reach a human at SallieMae, he clearly saw the payments and said although they showed " posted '' they would not actually be applied to our account for 7 days!!! Is this so they can capture the float on those funds??? Each day I have been checking the account for any activity by SallieMae and finally this morning, XX/XX/2021, the {$400.00} payment was processed. The {$200.00} payment has not been processed at the writing of this complaint. I never received an explanation why the card was frozen when it clearly showed available funds on the account. 

We find this process absolutely unacceptable for the consumer. It would be understandable if this was an old-fashioned process of checks being written and mailed and SallieMae needed to hold the posting to the account until the checks cleared, but this is all electronic bank-to-bank transactions!!!

I would like a full explanation why this bank requires 7 full days to process a bank-to-bank transaction yet posts the payments to the account while still holding the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: State Home Mortgage
State: GA

Complaint narrative:
Am behind on my mortage but my ex wife was on the mortage we got a divorce i got the house she didn't want it but sold her na, e on loam for XXXX that's after i paid over 20 years i almost got paid off i need financial help please i'm behind my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I originated a loan with Mariner Finance for approximately {$4500.00}. After a few months I borrowed more money for a total of about {$8500.00} dollars. The last week of XXXX, I consolidated my debts with XXXX XXXX XXXX in XXXX XXXX. In all, there were about 5 institutions that were sent out a check to be paid off. These institutions included Mariner Finance. Of all the institutions, Mariner Finance in XXXX XXXX XXXX, FL ( Closest in proximity to XXXX XXXX XXXX XXXX ) supposedly did not received their check. I have waited 3 months while still making a {$260.00} payment on the Mariner Finance loan. I stopped payment because they were supposed to get the check 3 months ago. A second attempt was made to pay the loan and there was still problems with executing the payment. loan originated at approximately 34 % APR. The loan now sits at about 28 % APR. I contacted a regional manager who said, well if we have not received the payments, theres nothing we can do. I called and spoke to him on Tuesday, XX/XX/XXXX. I am still making payments on this loan since it was supposed to be paid off in XXXX. My credit has been ruined more from this loan. visited the XXXX dealership to trade in my XXXX  XXXX for a newer model. However, because Mariner Finance has a lien on the car, I can not trade my car in for the newer one. It has been three months since my initial attempt to pay this loan to no avail. I called Mariner Finance and told them I had the cash, a bank account, or a personal check to pay off the loan. However, This was supposed to be a quick emergency loan to get out of an immediate financial obligation. This was not supposed to be a loan where I would have to call the corporate office in Maryland to try and get someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I spoke to XXXX on XX/XX/2021 with regards to an open misapplied payment by SPS back in XX/XX/2021. I have called numerous times to and spoken to both SPS representatives along with Management to resolve this misapplication of my payment every time both the representative on the phone and the management assured my that they saw the misapplication of the payment and not to worry that it would be resolved shortly some representative would say within 5 days some managers would say 45 days. I waited patiently relying on SPS to rectify this situation. I was told that there would be no 30 day late on my mortgage and my credit report would not be affected. It is now XXXX XXXX at XXXX pst and I still have no resolution. I had no date that anyone can give me with a date certain on the resolution of my issue. I look forward to having this addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Once again XXXX is in violation of my rights as a federally protected consumer. On XX/XX/21 XXXX hired a towing company and gave them my personal home address to come and repossess my car. I did not give my authorization to share my personal information and repossession is illegal pursuant to 15 USC 1692e ( 4 ).

Company response to consumer: Closed with explanation