vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got  into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Called XXXX on XX/XX/2018 to get annual credit reports. XXXX and XXXX sent report right away. Called to request Equifax again in mid XXXX. Called today and finally spoke to a live person at Equifax. Answered bunch of questions and then I had to answer another batch " for security purposes '' which seemed designed to thwart all efforts to get a credit report. I was asked for specific MONTHS that I first got each of my credit cards, even though I have had 2 ( of 3 ) for more than 3 decades. I have been retired for over 20 years, told them who my last employer was, but they wanted to know what my last title was. They asked what MONTH I placed the security freeze on my account. They asked what my last balance on X credit card was. ( all of my bills are paid automatically via my checking account. ) The level of detail they required was exorbitant. Then they told me I had to send them a copy of my drivers license and social security card via fax. Most public fax machines retain the info they scan. Can't see how that was a safe request. 

I have lived at the same address for over 22 years. I just wanted them to send the report that they have sent me every year for the past 10 or 15 years. I don't know what is different this year. The other two agencies had no problem sending me a report. I am over 60 years old and could not possibly remember some of the detail asked of me, especially inconsequential details from so long ago. The entire " confrontation '' seemed designed to discourage to the point of denial of my annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: NY

Complaint narrative:
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2017 from Discover. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
Fifth Third Bank Disputes Department / Regarding reassertion of dispute / Case # XXXX This letter serves as the appeal to Fifth Third Banks decline of my dispute regarding the {$3200.00} charged for XXXX ( XXXX XXXX XXXX XXXX ) doing business as XXXX  XXXX, XXXX  XXXX XXXX XXXX using my credit card ending in # XXXX on XXXX. The reason for the decline, was because my dispute fell outside the window to dispute. 

None of these services were provided, and I did not have a chance to receive them, because the FTC shut them down for defrauding their customers XX/XX/2018. At that time, there was hope that something could have been worked out between XXXX and the FTC. But, in XX/XX/2018, the Judge in the case finalized the shutdown on XX/XX/2018. 

It would have been impossible for me to dispute this charge within the dispute window as for the XXXX XXXX trips and coaching that I purchased, fell past the dispute window afforded to me by Fifth Third. The FTC did not shut them down until XXXX, thus me believing up to that point, that I was going to receive my coachingg. 

Please accept this as my detailed letter describing the services that were expected from the company ( XXXX ) that the FTC without warning, shut down. I purchased XXXX XXXX trips using monies from my Fifth Third Card ending # XXXX Copies of my contracts ( s ) are submitted along with this letter, as proof that XXXX did not provide the services ( XXXX training trips ) that were purchased The three events : 1-3 day/4 night / 1-5 day/6 night / 1-10 day/11 night ; XXXX Training ( Coaching ) Trips The details of the XXXX and Tuition reimbursement, are in the contracts that are with this fax, please note the circled items. Also, faxed is copy of my XXXX   receipt and statement of the charge, as noted Details of FTC actions can be found at : https : XXXX Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Re : Ocwen Loan Servicing. Loan was modified less than a year ago. I was told by several people that committed a lot of fraud. XX/XX/XXXX filed national UCC. Uniform Commercial Code 1 & 3 with state of Colorado. I have a commercial lien and agriculture lien on the property. The note was tendered 3x and accepted. But ocwen continued to bill me. Now Im in foreclosure. I have sense filed XXXX & XXXX to prove that house was paid for. I have changed my name. I went back to my birth name. My givin name. I have. Drivers license and ssn in my name. I gave and submitted to ocwen and XXXX XXXX but they never updated paperwork. They submitted foreclosure in my old name. I am a XXXX XXXX. XXXX. The United States is a profit Ferderal Corporation, is bankrupt and has to pay our bills. XXXX XX/XX/XXXX, a bank emergency was declared by President Roosevelt because of the insolvency bankruptcy of the U.S. Executive order 6073, 6103, 6111, 6260 ;  Senate Report 93-549, pages 187 ; 594 ; XXXX. New money promissory notes is is issued to the banks in return for government obligations, bill of exchange, drafts, notes, acceptance. My birth certificate was registered. Besides I didnt know about mortgage notes sold & securitization.See Senate document No. 43, 73rd Congressional record, 1st Session. XXXX XX/XX/XXXX. Since XX/XX/XXXX we have been in a state of national emergency. Under UCC Im able to discharge debt. I tendered the mortgage 3xs. I have recently learned that their is 2parts to a mortgage. And the note is continuously being sold. And then their securitization that no body tells you about. Your mortgage has a cusip number, your house is being traded on the stock market and they get the money. Everything you thought belongs to you doesnt because they have cusip numbers on everything that you thought you owned. This is all fraud. My name, my all caps letter name, my straw man is a business along with my birth certificate being registered with Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: FL

Complaint narrative:
XXXX  -- I have submitted several letters or XXXX  in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. XXXX  refused to update that my report, simply stating they don't have to reinvestigate a dispute they already investigated. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX  account. The original XXXX account WAS removed by XXXX, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 

This is the third complaint Ive submitted against them. They remove the things only after I submit a complaint. Even after sending in both mailed copied of price report and uploaded online. This has now cost me the ability to refinance my house. 

Equifax -- I have submitted several letters or Equifax in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. Equifax refused to update that my report. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX not my account. Result of identity theft from someone who opened an account. Police report provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by XXXX, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 


XXXX  -- XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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:
Equifax is allowing these companies to continue to report fraud info on my credit profile, totally willfully disregarding my rights with the 605 ( b ) fcra law. I have sent in all the necessary documents to have these fraud items blocked from my report. They have had my documents far longer than the 4 business days of receipt stated in the 605b law. I call and they say they are still allowing creditors to pend their investigation, they will not block accounts, this is despicable. Willfully abusing a consumers rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
My husband passed away, the title of the house has been transferred to me as the surviving joint tenant. I was told by Lender to apply for the Loan Modification - Loan Assumption process to get the loan on my name. I have sufficient income and submitted all required documents in the timely fashion following Lender 's Instructions. First Lender was keep asking for the same documents when even the Relationship Manager has to apologize to us for inconvenience. Now on XX/XX/2018 Lender executed the BPO that supported by the similar value of the Lender 's the Interior Appraisal of $ XXXX instead of completing the Loan Modification - Loan Assumption process for the widow, Lender orders another BPO on XX/XX/2018 and denies widow for Loan Modification - Loan Assumption process using the $ XXXX value for NPV Test. My understanding and according to the same Lender only one BPO or Appraisal can be ordered every 90 days. The same NPV test also showed that my gross income three times less than showed on all submitted supporting income documentation. The Lender keeps playing with the value of the property. I hope this all a simply accidental issue and not the staged circumstances to victimize the widow by inflammation of the property price opinion and ignoring valid Interior Appraised value of the property done by certified appraiser hired by the Lender itself. I am requesting to postpone the foreclosure sale for the subject property and review the circumstances listed above to complete Loan Modification - Assumption processed for the widow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MO

Complaint narrative:
Vanderbilt Mortgage & Financing sold my mortgage prior to completion of an ongoing insurance claim of which they were withholding pmt from the insurance. XXXX XXXX, who is the purchaser of the mortgage claims that they did not receive any of the interest generated while V.M.F. held funds V.M.F. is refusing to provide any record that the interest was in fact sent to the new mortgage co. Additionally it is unclear what documentation pertaining to the insurance claim was sent to XXXX XXXX. XXXX XXXX is unable to give me access to there digital file to confirm that they do infact have all if the documentation needed. This results in a significant amount of my time and expense recopying and mailing every piece of paper related to this claim to XXXX 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 2018-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Dear Sir : I wish to bring a matter concerning Synchrony Bank to your attention. Over a year ago I opened a credit account with Snynchrony Bank for {$1200.00} in Dental expenses. The account offered 0 percent interest if the amount was paid in full within 18 months and punitive interest rates on the whole amount if not paid in full. I understood that. Synchrony never sent me any statements, instead they sent monthly emails listing my balance and a " Total minimum payment due. '' The email offered a link to my statement if I wanted to take the trouble to go to their site log in, password etc which I recognize I should have done. In fact in spite of my knowing that this was designed as a snare for the unwary, I allowed the period the grace period to expire. My fault, they won. 
Except : every email stated a minimum payment due which I was always careful to meet and usually paid more than the minimum. 
From XXXX : The minimum monthly payment is the lowest amount a customer can pay on their revolving credit account per month to remain in good standing with the credit card company. Making the monthly minimum payment on time is the least a consumer needs to do to avoid late fees and to have a good repayment history on his credit report. 
I call your attention to the part of the definition of minimum payment above that says : " the least a customer needs to do to avoid late fees. '' I say that including a minimum payment amount in the email and no other information is misleading. 
If they had not listed a minimum payment in their emails, I would have had to seek out the statement and realized the situation. Or if they had mailed paper statements, I would have caught it. I admit it, I was lazy and too trusting. Whether they were deliberately misleading to the point of crossing the line from merely unethical to actively fraudulent I leave to you as a disinterested observer. 
Thank your for your time, XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX email : XXXX phone:XXXX extracts from 2 Snychrony emails for reference : From Synchrony ; XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$580.00} Total Minimum Payment Due : {$27.00} Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details. 
XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$34.00} balance {$580.00} interest {$460.00}

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 2018-12-26 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: NC

Complaint narrative:
This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir.  XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 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 2018-12-26 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:
This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
See my complaint under feedback from another complaint. U.S.Bank result are unexceptionable.My closed complaint XXXX result are unexceptionable.

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 2018-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
We received a Letter in the mail addressed to XXXX XXXX at our home address. It said that synchrony bank received the request for credit for a credit program with Walmart. It stated that unfortunately they were unable to approve the request at that time because of prior application has been submitted too recently. XXXX XXXX does not live at our address and we do not know this person. We believe this is a case of fraud. Synchrony bank told me to send the letter to them and they would investigate it. The back of the letter also said to contact the consumer financial protection agency.

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 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened my checking and savings accounts with Citibank on XX/XX/XXXX, signing up to receive a bonus of {$400.00} if {$15000.00} in funds are deposited in the account. I have confirmed with Citibank customer service multiple times that the bonus was attached to my account. The bonus was supposed to post to my account within 90 days after requirements are met. I deposited the full amount of {$15000.00} on XX/XX/XXXX, and to this date ( XX/XX/XXXX ) over 180 days later I still have not received the bonus.

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