vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
Dear Sir or Madam, I am writing you today as a formal notice that my account with Santander Consumer USA is being challenged as to recent legal proceedings where Santander Consumer USA was found negligent of violating the Truth in Lending Act and the Consumer Financial Protection Act. For the past five years I have been a victim of Santanders abusive lending practices. I have tried countless of times to discuss this matter with Santander requesting that my account be reviewed as the deceptive and predatory practices have let me to a debt which I can not pay back, and which I believe the company knew prior to their approval of my loan. The interest rate on my account is fixed at 19.6 % with a balance due of approximately {$15000.00}. 
Recently, Santander was involved in a class-action lawsuit where Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 
It is my belief that my employment was never verified for the loan amount and that information in my application may have been falsified or negligently unevaluated, in order to qualify me for a loan I am expected to default upon. Furthermore, fees are being added to my account daily, increasing the probability that a default will occur, ruining my credit and placing an unfair financial burden on me for years to come. 
Santander informed me that I do not qualify for this settlement, however, based on the initial reasoning why Santander was sued it was because of consumers like me who were robbed and taken advantage of. 
My car should nearly be paid off because I paid over {$21000.00} in the past five years of having the vehicle. Santander continues to call me aggressively every single day harassing me for form of payment. Santander agreed to waive off this month of XXXX for me due to XXXX related circumstances, however, they never followed through with their end of the agreement and now they are not only harassing me for payment for that month but every day they are adding ridiculous amount of fees. 
I truly do believe I qualify for loan forgiveness and restitution considering the circumstances surrounding the situation. 
I have tried to communicating with Santander requesting that either my account be adjusted to reflect the removal of these illegal fees and charges, the interest be re-established at a rate befitting my financial standing or that a monetary award be provided to me. 
I am requesting for my account to reviewed and this situation to be resolved because it has been an extreme nightmare dealing with Santander. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
I took out a small loan and the process said the the interest would be reduced for early payment. I paid it of early after the first of four payments. At that time there was only a few dollar reduction which seemed odd because there was about {$80.00} in interest. 

I asked them and they sent me this schedule of interest : Here 's the breakdown of the interest and fees charged for this loan. 

1st Payment Finance charge : {$1.00} Interest : {$70.00} Principal amount : {$42.00} Total : {$110.00} 2nd Payment Finance charge : {$1.00} Interest : {$1.00} Principal amount : {$110.00} Total : {$110.00} 3rd Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$110.00} Total : {$110.00} 4th Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$100.00} Total : {$100.00} This looks like a finance fee and not actually interest. Is it legal for them to structure interest payments like this and then claim there is a savings in paying off early ( technically true but misleading at best ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: GA

Complaint narrative:
I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.

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 2021-04-21 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: GA

Complaint narrative:
I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Received a debt collection from Jefferson capital saying I owed money to XXXX on the amount of {$1200.00}. Culprit used my name and number but after calling XXXX I realized they used a different email. XXXX. XXXX collection says that the account was closed in XX/XX/2019. I received no mail from XXXX before it went to Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX attempted to collect on a debt through XXXX. I did not know anything about this debt and disputed it with all 3 CB. It was DELETED. XXXX XXXX then sold the debt to XXXX. I called XXXX XXXX  directly to get the original date they placed the debt on my credit report and they wanted a pass code ( I do not have it, bc this is not my debt! ). They refused to give me the information. They are placing information on MY credit report, then refuse to give me copies of the information ( allegedly about me XXXX regarding the debt. I can not dispute something I have no knowledge of or information on. When I asked XXXX if THEY had the original date from XXXX the answer was NO. If a creditor posts information on your credit report, you should be able to contact that company and get ALL the information available, yet they want passcodes etc to hide information. There is alot of fraud going on and XXXX XXXXs not being responsible.

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 2021-04-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Credit Card : CitiBank, Date of Transaction : XX/XX/2021, Amount : {$260.00} ( deposit on puppy ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Opened Citibank Dispute ID : XXXX XX/XX/2021 Confirmed in Writing to CitiBank that merchandise not received. 

XX/XX/2021 Provide documentation from merchant letter that states : " If for any reason you are not satisfied with the pup we have selected for you at the time of pickup your deposit can be refunded ''. Merchant refused to allow pickup of puppy and refused to refund deposit. 

XX/XX/2021, Citibank ruled in favor of merchant stating : " We are unable to intervene on your behalf regarding this dispute. Merchants are not required to give credit if they have a no refund policy. Any further attempts to resolve this dispute will need to be directed to the merchant. We now consider this investigation complete. '' The justification for ruling in favor of the merchant XXXX no refund policy ) is directly contradicted by the letter provided to Citibank from the merchant ( " If you are not satisfied ... your deposit can be refunded '' ). It's as if Citibank never received documentation of the letter. However, Citibank Customer Service Dispute Center confirmed on XX/XX/2021 that they did receive letter attached to email.

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 2021-04-21 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T charged me a fee ( Service Assessment Fee ) on transaction that was voided a few days later, I tried many times to get a fee refund, but they have managed to dodge my petition. Attached letter explain in detail what happened. Also I'm attaching papers supporting my claim.

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 2021-04-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$28000.00}, {$0.00}, {$0.00}, {$1500.00}. 
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 ) -- OPEN ACCOUNT XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I made a agreement with Comenity credit XXXX XXXX credit card ) for a final amount to pay and close the account. Next month they add a fee and late fees on top of the unknown fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Mediation Service
State: OH

Complaint narrative:
Received a voicemail from southwest mediation service regarding a civil action suit against me on XX/XX/XXXX, called them back immediately and they stated that i owed them money for a magazine subscription service from XXXX which they claimed was largely unpaid. I never signed up nor received any magazines from anyone or anywhere during that time. They stated that i would have to pay a larger sum of money if i did not settle the civil action suit against me today. When asked to speak to a higher up they stated that we could not speak to a higher up and when asked about the company address and other information so i could verify the legitimacy of the civil action suit they stated that they could not give out that information. On the XXXX XXXX XXXX website, they have a XXXX XXXX XXXX, When on the call with the company i asked them to send me an email regarding the civil suit and the XXXX XXXX listed on the email i received was not the same as the one listed on the XXXX  website. The individual who i spoke to was highly unprofessional and used vulgar/inappropriate language. They claimed to be someone named XXXX and said they were the only person we could talk to. However on the XXXX site, there's several names mentioned and none of which XXXX, They claimed to be the only " Mediator '' that worked for the company and that the only other worker was the front desk secretary. When further asked regarding the legitimacy of the civil suit, they stopped responding altogether and began breathing heavily. The business 's XXXX XXXX are located in Nevada however there is no registered company in the state of Nevada with the name stated above. The " Mediator '' also refused to show the contract i supposedly breached and claimed i would only get to see it if it went to the courts and/or " Legal '' as the " Mediator '' referred to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony bank, as usual, gave interest {$790.00} instead of {$800.00} for a traditional IRA CD ( one year term at 2 % APY ), for principal amount of {$40000.00}. This is going on for years. Just calculate the amount of money synchrony is pocketing ( illegally ) for years, involving millions of us account holders for regular CDS, and for traditional IRA CDS. 
The US government is a silent spectator. 
Synchrony bank must immediately refund {$1.00}.

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 monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
In XX/XX/2000 I had XXXX security installed due to a XXXX XXXX. Immediately every sensor faulted And the system was bypassed allowing my XXXX and his friends access in my home. Somehow they hack the system my garage was robbed my grandson seen them in the home. I called XXXX several times explaining this to them telling them I didnt want to service it wasnt doing what it was supposed to do which was protect me my XXXX is a XXXX XXXX. Finally in XXXX they agreed to remove the equipment that I had been making installment payments on and refund what I had paid for the equipment. Three supervisors promised me a refund. In XXXX I received a voice message saying I would not receive any money so they retrieved the equipment and kept my money. They did refund me the monitoring fees. I contacted PNC within days of that voice message trying to get them to dispute the charges to get my money back we were in the pandemic I couldnt get into the bank so I was doing it virtually but apparently none of their employees actually filed the dispute. So when I finally got through to somebody else they said it it was beyond their timeframe for disputes which was either 60 or 90 days. So PNC will do nothing either. Bottom line is Im out almost {$1800.00} I have XXXX I have been XXXX XXXX and XXXX XXXX damage has been done to my home I have suffered over gear a continual XXXX and being XXXX on top of what I live through for XXXX years. Every account I have it he has access to because he has access to my phone which is another complaint I will be filing against XXXX. He is determined to XXXX XXXX XXXX and he is getting away with itI have to leave my home of XXXX years the home I raise my children in from when they were born.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Back in XXXX, I started the dispute process with the three credit bureaus after identifying a couple of items on my credit report that were incorrect. After not having much success and feeling hopless, a representative of one of three bureau mention that I need to file Identitfy Report if I felt that this was a fraudulent account. I've have since filed a FTC and a police report and sent the information to the major bureau. Thinking this was going to help my situation I find out that that FCO still remains on my credit report. I spent over three weeks trying to get answers, just to find out that FCO is still reporting verified as accurate. 

I then sent an certified letter on XX/XX/21 to Fair Collection and Out ( FCO ) XXXX XXXX XXXX XXXX, XXXX, MD XXXX asking if they could provide me with a copy of signature on application with my name, proof I gave them permission to report to the credit bureau, payment history where I made payments to them. So I truly find out if some one actually stole my identity. As of XX/XX/21 I still have not gotten any response back. I'm at a lost of words and I have no idea what to do. This is my attempt to see if any of my rights are being violated. I sure hope that it don't take another 45 days before I here any word back. I've attached the letter that was certified over a month ago with still no response,

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 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc.
State: TX

Complaint narrative:
I was working with my mortgage company to do a cash out refi on our existing home. We signed documents on XX/XX/XXXX at a title company locally as required by Texas law. On XX/XX/XXXX the loan still had not funded, even though we had passed our 3 day right of recision period. At that time we received an email from Solidifi Title asking for new signatures on a closing disclosure that we had already signed at the in person closing. They wanted original signatures which werent possible since we dont have a printer/scanner. I asked for guidance on another solution and did not receive response until the following day. On XX/XX/XXXX, I received an email asking for wiring and bank account numbers for the funding account as the account had a different set of wiring instructions than what is on the check. I tried calling the individual, and the phone was not working. I responded via email that I would not provide account information via email as its not secure. I called the mortgage broker at XXXXXXXX XXXX to also inform them of the problem. XXXX was very helpful and worked to get my updated information to the closer. The loan did not fund my account until the following Monday XX/XX/XXXX. My payoff of the old mortgage should have occurred on XX/XX/XXXX, but did not occur until XX/XX/XXXX. This cost delay cost me 5 days worth of per diem on the old mortgage which should have been returned to me, interest on my cash out that would have been sitting in an interest bearing account, and I believe extra days on per diem on my new mortgage. I am beyond frustrated with the actions of this title company and their incompetence.

Company response to consumer: Closed with monetary relief