vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
On XX/XX/XXXX, I took out an auto loan on a new vehicle with Santander Consumer USA. I was never given a written copy of my contract and the interest rate ended up being higher than what they initially offered. As it is, in the State of  California, the cap on auto loans is 10 % and I was paying 24.85 %. I was able to make all my payments on time until I lost my job as a result of the COVID-19 pandemic. Once that happened, they kept calling and harassing me up to 10 times a day, and regularly violated FDCPA ( Fair Debt Collection Practices Act XXXX rules. I complained on their XXXX page several times and instead of resolving the issue, they took it personally and blocked me from their XXXX page. I then repeatedly call customer service and I was on hold for several hours and once I was able to get a representative on the phone they repeatedly hung up on me. My loan was charged off as a bad debt on XX/XX/XXXX in the amount of {$22000.00} and I was never sent a right to cure notice or given any opportunity to make my loan current. Two months later, on XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX, again without receiving a right to cure notice from Santander Consumer USA 30 days prior. I inquired about payment deferrals and extensions and was never offered anything, nor was I sent anything in the mail stating their formal positions on the COVID-19 pandemic. I still havent received all the proper documentation after the repossession took place and as a result of their negligence during the worst global health crisis in history, I will be pursuing civil action to the fullest amount allowable, I am seeking the amount I was charged off on in the amount of {$22000.00}, redemption of my vehicle, and 10x the amount of the charge off in damages, in the amount of  {$220000.00}. I may seek further damages if necessary, and I may also pursue criminal charges as well for usury and wrongful repossession, given the fact that this company has put myself and my family in serious danger. I will also be contacting the news media and exposing this company at a time when people are the most vulnerable and many Americans are still financially struggling, especially being that unemployment benefits as a result of the pandemic are running out, businesses are still closed, and jobs are still not being created

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
BarclaycardUSA is not answering their phones during the coronavirus period. I have a scheduled payment reflected in their system that is for on-time payment. The ACH was never requested from my bank. I received notice of non-payment. I can not get through to discuss. This has forced me to initiate a second ACH payment in hopes that this one goes through. The fact I can not speak to anyone - hours long wait time - is not acceptable. I now risk double payment if the first ACH goes through.

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 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
states that i still owe XXXX, however this loan was paid off almost 2 months ago

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 2020-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My name if XXXX XXXX and I am writing to see if you can help me with a Student Loan situation. My niece, XXXX XXXX XXXX, was attending XXXX XXXX XXXX of XXXX in XXXX. I co-signed 2 private loans for her in XXXX & XXXX. XXXX was diagnosed with XXXX XXXX XXXX & XXXX. We submitted the proper forms to Navient to have the loans forgiven due to her health & that she is not able to work & pay for the loans. Navient finally notified her that the loans were forgiven her due to her medical condition. But, they have advised me that I am still responsible to repay the loans. I am a single XXXX yr old retired XXXX XXXX XXXX XXXX & my only income is from Social Security & minimal pension checks from prior employment. My income is barely enough to pay for rent, food, & medications. I am in no way able to pay these loans & feel that since the loans were forgiven XXXX they do not exist any longer & I should not have the burden of paying on them. Please advise if there is anything that you can do to help me resolve this stressful situation. I will provide the loan information on the XXXX loans for your consideration in this matter : Student name : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX # : XXXX in the amount of {$15000.00} & XXXX in the amount of {$7900.00} I am the co-signer : XXXX XXXX XXXX NAVIENT CREDIT FINANCE CORP XXXX. XXXX XXXX XXXX, Pa. XXXX Any help you can give me in this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/2020 a total of {$6300.00} was stolen out of my TCF Checking account. I reported the theft IMMEDIATELY. I reported the theft while it was actually occurring. 

On the same day, I submitted a dispute to TCF. 

On the following day, XX/XX/2020 - XX/XX/2020, I submitted additional details to TCF including a policy report, IP Address logs, phone numbers, etc and explained that the funds were stolen by a person who fraudulently claimed to work for XXXX XXXX 

On XX/XX/2020, TCF informed me that they were unable to assist me in refunding my money because a " third party service '' was involved.

This is incorrect and it shows that TCF did not review the facts of my case. There was no third party service involved. There was only a person claiming to work for a third party involved.

I would like for TCF to refund my {$6300.00} because the funds were stolen. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2020-07-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX claimed that they validated my alleged debts, however : 1. The highest balance on XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. 

Last, but most important - address on the statements ( XXXX, XXXX ) is not my address. My address is in XXXX and previous address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I SEEN THIS NEGATIVE ACCOUNT ON MY REPORT AND SENT LVNV FUNDING LLC A LETTER ON XXXX XXXX ABOUT THIS ALLEGED DEBT THEY SAY THAT I OWE OF XXXX $ .I HAVE ATTACHED MY LETTER TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX gave me paperwork stating my balance was being financed by Ally Auto, however my registration said XXXX XXXX XXXX. The first payment was due on XX/XX/XXXX. I setup autopay. I cancelled the Gap insurance and Maintenance contract from Ally Auto Bank. Ally supposedly sent the Gap payment to the dealer. I had filed a complaint with the XXXX XXXX for the Gap since it 60 days. XX/XX/XXXX I was informed from XXXX XXXX that my autopay was cancelled due to the bounced payment from Ally Bank. So their excuse was that a bounced check voided my autopay with a totally different account. I paid the charges as well as the payment and one additional payment to offset so I can restart the auto pay. I will have to wait to be able to do so. The Ally Bank told me they paid XXXX XXXX XX/XX/XXXX. XXXX XXXX told me they received the payment, however they waited 68 days to inform me that the check received from Ally Bank bounced and ensuing charges were due. They informed me that it's up me to contact Ally Bank. I will not contact them again one blatant lie is unacceptable to me personally. I would have already obtained legal counsel by now I'm at risk XXXX so I'm not making any new face to face contact from unknown entity. XXXX XXXX   has all my personal information I only have the initial billing which I generated the autopay with. No contract from them which I requested. I'm still waiting for that contract so I could take to my credit union to take out a loan at a much lower rate and they are locally based. I gave the dealer XXXX in cash which should have facilitated matters. As of now XXXX is owed to me outstanding for those purchased services and no response from Ally Premier Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
Procollect , Inc keeps calling my home harassing me about some debt that is not even on my name, they are trying to collect from someone that I have never heard on my life and the only way according to one of their reps, Mrs. XXXX is by giving them my personal information.

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 2020-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Cardholder submitted a legitimate merchant dispute due to a merchant not adhering to official terms and conditions. Merchant charged cardholder for services and goods not rendered. Capital One was notified on XX/XX/XXXX and provisional credit was provided on XX/XX/XXXX. On XX/XX/XXXX, documentary evidence was provided to Capital One that the merchant was engaged in unfair and deceptive business practices. 

On XX/XX/XXXX, Capital One provided correspondence that the provisional credit would be reversed to the card. Furthermore, the merchant acted in bad faith providing Capital One with policies that were in place after the date of the transaction in question was conducted. 

I would also like to note the cardholder has disputed a single transaction from XX/XX/XXXX through XX/XX/XXXX. I will also note that the cardholder hold substantial deposit balances with Capital One and never missed a single card payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have oped an account with Chase and deposited my unemployment checks and another check and sum funds to the account. Layer I get a call stating that my account will be closed but couldn't give me a reason not have I gotten back my deposits. Account numbers XXXX. Checks number and amount unemployment {$1200.00}, {$3400.00} number XXXX, and also coin app amount {$13.00}. ( I have photos but my phone won't let me upload for some reason there photos of worker at check cashing with photo copies of Chase check saying " Do not see anything in the system for this cashier check. '' ) Phone number to who she spoke with is XXXX route number XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
I have enough funds on my account and the bank is charging for non sufficient funds. Inclusive the bank sent me a letter indicating that there will be a {$0.00} charge for the ( false ) non sufficient funds on the account. This is a theft from the bank Santander of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am still being affected by covid 19 and I need another payment waiver request.

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 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I NOTICE A NEGATIVE ITEM ON MY REPORT FROM CMRE FINANCIAL SERVICE AND SUBMITTED A LETTER TO THEM ON XX/XX/2020 ABOUT THIS ALLEGED DEBT OF XXXX $ THAT I DONT OWE.I HAVE ATTACHED A COPY OF THE LETTER WITH THIS COMPLAINT OF WHAT I AM ASKING FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2020, I opened a savings account with CitiBank. I had steadily been depositing funds as there were no indications of any issues. When I went to withdraw funds in early XXXX, I was told that the account had been " FROZEN '' for suspicion of fraud. After several hours, I was then told that the Fraud dept. had nothing to do with the hold but servicing department could help. Servicing department also had no idea but " new accounts department '' could help. That department requested I first send in additional identity documents so I did, via XXXX. When I later followed up, I was first told documents were never received. Two days later they admitted to having received but just not reviewed but promised to review. Here we are, XX/XX/XXXX ; I was told the account is " closed '' and when I asked what happens to my over $ XXXX, they said they have some documents and account review to do and will try to get to it by Tuesday and " she thinks they would send a check to my address '' after that but she wasn't being told much else either. The Supervising Rep that called me from a XXXX number also said she urged them to find a way to release my funds so that I could access money and they were nonresponsive to her and she felt she should not push further and wasn't being told much. I've contacted corporate offices and am told they can not help me. They've given me phone numbers that aren't being answered or that auto drop calls no matter how many times I've called. This is the absolute worst time to experience not having access to much needed funds that I entrusted them with. As an Executive Platinum CitiCard holder, I've been in good standing with them for over 5-10 years ... just 5 months in and Citi is being absolutely horrible at trust worthiness.

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 2020-07-17 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: ID Analytics, Inc.
State: FL

Complaint narrative:
SageStream - They are not easy to work with. I did what I could through their website and phone calls to them proves to be fruitless! I Only submitted through CFPB because I Do Not have a printer or fax. I can upload through CFPB. I will submit an ID and Utility Bill for you Again because clearly you do Not have record of what I have Already Sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
I have a hard inquiry on my Experian report from US SM BUS ADMIN ODA. However, I did not authorize this inquiry and the account is not mine. This is false information currently reporting on my Experian credit report. This is deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful.

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 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America I Want to dispute negative information that reporting on my credit file on XXXX  you are reporting date of late payment was XX/XX/2018 I feel this information is in correct I have check my bank account and found no payments made to your bank on XX/XX/2018 could you please send me a copy of a canceled check that you made have cash on that date. If not could you please remove this for Inaccuracies thank you!!

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