vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I went to XXXX XXXX XXXX to purchase a truck per their advertisement of great deals. My wife and I drove from XXXX XXXX XXXX. When we got their we met with salesman XXXX. We chatted and then he showed me a vehicles ( trucks but then ultimately the XXXX XXXX ). He pulled credit and said that the only way we could trade in my Truck is to trade in my wifes XXXX XXXX as well ( now I am realizing very high sales and pressure tactics ). Well we did and walked about with XXXX XXXX XXXX XXXX. I could not get funded immediately and was given the run around for two months. All the while they are telling me that all is ok. XX/XX/XXXX is when we purchased the vehicles. I kept calling and calling weekly and daily to find out what's going on and if I am approved. It was not till about XXXX or XXXX that I get a bill from Santander Consumer USA stating that I owe them 2 months. I immediately called and spoke with Santander agents and was given the attitude of like " oh well who cares now pay your bill. The bill was XXXX a month and I could not afford that. Long story short they repossessed the vehicle in early XXXX. The whole thing from beginning was unethical and unfair leading ultimately to a repossession in which Santander knew it would happen. Now as you are aware that Santander is in a class action lawsuit in which I KNOW i am a victim of their unethical business practices. I was advised to call my local Attorney Generals office to see if I am on the " list '' of people whom the loan would be bought back if it was repossessed. I did and the Attorney General just referred me back to the multi state website and to monitor it daily. I am getting the run around as usual from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have unemployment card with US Bank Reliacard and they randomly lock my card I sent them my ID Ive been calling every day every time I call I get different stories no help they very rude I wrote down every conversation and recorded every conversation they unprofessional bad enough I have to wait to get approved for my unemployment and now my card locked im behind on bills I have a 15 day evection notice they dont care I cant get no help sincerely unhappy 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
This is what I put on the XXXX  complaint I do not have a signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX and XXXX. I am not responsible for this debt with National Credit Adjusters. Accounts have been re-aged illegally. 


Additionally, XXXX  has removed their collection on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
ON XXXX XXXX, I notice a alleged debt of {$11000.00} from NCB Management services that i do not owe, and i sent a letter asking for information related to the alleged account and hasn't received anything thus far .I am asking that for the validity of the debt, along with other documents to support the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: AL

Complaint narrative:
The Total Card from XXXX XXXX XXXX is a good card, but due to a financial hard ship I have a few late payments on the account. I would like a XXXX removal of late fee in lue of my payment of all credit card debt owe on my account. After payment of balance I will keep my card limit below 30 % of the credit limit. I have attempted to call the company be have had extended hold times or drop calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I sent LVNV FUNDING LLC,2 letters disputing the alleged debts of ( {$450000.00} ) on XXXX XXXX that i do not owe. i have requested the validity of the debts along with other information that i have not received, also attached copies of the letters below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
I notice 3 negative items from Jefferson Capital System LLC on XX/XX/2020, each was for some alleged debts of :XXXX, and XXXX.These are debts that i do not owe or recall having.I sent them letters concerning the negative items that i have not received certified mail with return receipt for proof that they received the letters in case of legal issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: LEXISNEXIS
State: IN

Complaint narrative:
Lexis Nexis is making it impossible for me to obtain my consumer file. I tried two times on line and they keep telling me they can not validate the pin they send me and by phone the automated system keeps cutting me off. I can not reach someone in person. 

Lexis Nexis Consumer Service Center XXXX. XXXX XXXX XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
After a reviewing a most recent copy of my credit report, I found a derogatory remark placed there by MEDICREDIT collecting for 2 medical bill that I have no knowledge of and NEVER received any notice from this agency written or otherwise. I was never given the opportunity pursuant to Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act to dispute or request validation of these alleged debts, they just without validating this information place these negative accounts on my credit reports which is a violation of my rights as a consumer. 

They are attempting to collect for : XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$2200.00}

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Paycheck credited to account and showing as over {$3500.00} in checking account Monday XX/XX/2020, as of XXXX XXXX. I was told by my employer I would see the check credit to my account that day or that evening. I check the mobile app and I see I have been paid. I buy a gift for a friend, and I go to get food since I know I HAVE MONEY IN MY ACCOUNT NOW. it is Tuesday XX/XX/2020, and I wake up at XXXX XXXX. to receive an email saying my account has been over drawn. I check the mobile app and now I am negative - {$95.00}! If I didnt have the money in my account THEN WHY WOULD THEY APPROVE THE TRANSACTIONS WITH MY DEBIT CARD? I SHOULD HAVE BEEN DENIED AT XXXX XXXX, AND ONLINE WITH THAT GIFT FOR A FRIEND. This is a shady malpractice with the intent of collecting overdraft fees! I even have overdraft protection on for this purpose! And now because of their error I will be paying over {$70.00} in fees? Im done banking with this capitalistic XXXX  pig. I will not forgive this error to one of the many oppressed in this shady country. Now I have to go bank with chase. Edit : its actually {$140.00} on fees now. Its XXXX in the morning and the account is now - {$120.00} and some change. Get your programming in order bank of thieves. It is not that hard.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My bank account was closed with chase bank and I had deposited a check for {$47000.00} and it waa deposited into my account # XXXX and {$520.00} was taken to cover a balance that i had owed into a different account and then both accounts had been closed and this was XX/XX/XXXX that it was credited into my account and then XX/XX/XXXXmy account was closed and we have been trying for months to get this money back. We have been told twice that the check has been sent and this last week we had been told the check has not been sent at all, what? That makes no sense we have {$46000.00} missing and the bank has it cashed it and will not send back the funds? The check waa in my bfs nams he signed it and is fine if I get the funds of if they issue him the check but we keep going into chase bank with no real answer as when we will get our money! This is our money and we cant get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX & XXXX XXXX  HAVE BEEN DISCHARGED IN BANKRUPTCY AND NEED TO BE REMOVED FROM 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 explanation