vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander was barred from illegal business practices in their recent settlement agreement with the attorney general. My current loan violates those terms. I signed a purchase agreement on XX/XX/20 with my fiance. The original terms were at XXXX percent interest and we both had credit scores in high 600 with no negatives. Twenty days later on XX/XX/20 the dealer XXXX XXXX in XXXX Arizona called to inform us they couldn't obtain financing and we had to sign new loan documents. After they had ran over 19 inquiries causing our credit scores to drop significantly. I was then told to go on the loan myself. The rate changed to XXXX percent. I told the finance manager there is no way I could afford that high of a payment I don't make enough. He stated it was too late the deal was already done. my income and expenses were never verified and I believe my application was altered to make their deal go through in order to profit from this predatory loan. In a matter of months I will end up loosing this vehicle as they intentionally planned which their history reflects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft

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 2020-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received an XXXX  Loan/Grant from the government in XXXX to pay off my employees and myself for our services. I run a XXXX and XXXX  XXXX XXXX, XXXX  XXXX, XXXX, XXXX, and XXXX  XXXX. We provide services for XXXX  XXXX  around XXXX XXXX. 6 months later my account was frozen, after I have paid all of my employees and received a stimulus, several other payments, unemployment and more. I find this to be extremely weird and offensive given I have had this business since 2009 and no one will tell me what is going on. I am being accused of fraud and quite frankly I'm thinking about suing. This is in the middle of a pandemic and I find it to be completely tasteless, bias, discriminatory, and baseless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
In XXXX of these years after 1 payment being late over 30 days, the company tried to intimidate and scare me by sending a letter stating that I had given them a bad check ( NSF ). This tactic was used to scare me into calling them so they could obtain my number to further harass me. They then sent a second letter wanting me to call them with a phone number. I never wrote a bad check. The last payment I made was in XXXX, not XXXX. However this tactic caused great stress to me. The letter did not include a check number, an amount, or a photo copy of the check. It was simple deceit and pressure. The county attorney was never notified of any bad checks either. 

The particular office is MARINER FINANCE, XXXX XXXX XXXX  XXXX, XXXX KY XXXX. Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
To whom it may concern. 
I XXXX XXXX had a loan thru one main financial. On XX/XX/2020 it was transferred on to me ex gfs car that she received from me.recieved a paid and full and lien release on my loan.i have the title and lien release on my truck from one main financial. I work on XXXX XXXX and came home onXXXXXXXX/2020 found my truck to be gone and one main financial repossessed my truck. When I contacted them they said I had a second loan thru them.i have never taken a second loan from one main financial. If so I would not have a clear title to my truck.they require a title to receive a loan.i have only been in one main financial one time ever and they only give loans in person.thank you for looking into this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft

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 2020-12-26 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:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was working with Wells Fargo to get a home loan. Wells Fargo XXXX XXXX branch didn't respond to my inquires on about the process. The lack of communication and their lack of understanding the requirements for a loan on a manufactured home. XXXX XXXX didn't communicate with me after multiple calls, emails and texts. She repeatedly informed me the loan would be approved on multitude occasions. The team had two appraisals scheduled and wasn't aware they both got accepted. XXXX XXXX go involved and was disrespectful in his communication to me and my real estate agent. 
XXXX XXXX called to tell me that Wells Fargo would not provide the loan for the property. He could not give me specific reasons why the loan would not be funded. I asked for the details of why the loan was rejected to be emailed to me and I never got an answer. 
I have since found another lender and asking to have the appraisal released to me and the new lender. Wells Fargo will not release my appraisal i paid for.

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 2020-12-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was made aware XX/XX/XXXX that my ex wife had obtained a credit card in my name with out my consent or knowledge and had been using the card sinceXX/XX/XXXX and had been making payments on the card wit the XXXX XXXX account and in XX/XX/XXXX she made a XXXX dollar payment on it with a joint checking account with mine and her name on the checking account and now the company says that i am responsible of the total debt. Even Though i have never had any knowledge of the card and all the info i have received from citi bank in the last 11 months. I have continuously asked them for there securities services to send me all info on the account. In writing and over the phone they have told me numerous times that they could not because i was a victim of fraud and identity theft. every time i've called them and explain they instantly close the account. But i have been talking with an agent named XXXX in security services he has said that there has been a lot of bad behaviour on this account i've asked for the signatures on the account and he tells me that he can not provide them to me. This account was opened nine months before i moved to the state of oregon. At the time my address was in XXXX  Id. I did not move to the state of oregon so in the last 11 months of talking to citi bank i have found that my ex wife was responsible for using my personal info to obtain and use a card in my name with out my consent or knowledge. Citi bank has told me that she has used XXXX XXXXy and XXXX XXXX  accounts to pay for things on XXXX. Then she did a XXXX dollar transfer that they wont tell me what its for they say they cant tell me anything because i'm the victim of theft but they call continuously and threating that i need to make a payment or they will start legal proceedings. I have told them that i refuse to pay on or for an account that i never opened or used. But because of one payment she made on it with a checking account we shared so they say i'm responsible. What i would like is to have the calls stop and for them to go after the responsible party. The reason i found out about the account was that my ex wife had changed all her contact info for this card from her info to mine. When they called i told them i knew nothing about it and we have going back and forth over this i've given them her info and they still call and threating me

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 2020-12-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have paid XXXX XXXX off in full Its on my credit ewporrs saying I owe I have medical debts that I know nothing about they haven't swnr mw anything or validatwd these debts or showed they have authority to have these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I over paid my credit card by at least {$3300.00}. I've asked for a refund check over a month ago around XX/XX/XXXX and still have not received the check. They said 7-15 business days, it's been way over that time period, I feel the credit card company, Paypal Mastercard by Synchrony Bank, is holding my overpayment as long as possible, making it extremely inconvenient for me to pay my bills. I need this money and they have not paid me back, really messed up when they can hurt my credit score for not paying on time while these crooks have not paid me back in the time they said they would.

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 2020-12-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 I withdrew XXXX from bofa and the atm only gave me XXXX I called files a claim and bofa froze my card and is shifting blame onto edd

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 2020-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I transferred XXXX to my XXXX via discover bank. The funds have gone missing as the recipient bank has not received the funds. My bank is not taking action to give me my funds back. They keep repeating that it was sent and not their fault. It has been a month and I have a significant amount of money missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
Back in 2015 I was found unconscious and rushed to the hospital. I had an XXXX that had XXXX  causing my XXXX XXXX XXXX XXXX XXXX. I was in a XXXX for a bit and it took a while to get out of the hospital. It took even longer before I could get back to work as the injury had caused such severe memory issues that kept me from being able to hold a conversation or remember something for more than 2 minuets, at best, at a time. We immediately met my max out of pocket amount from my insurance company. My parent was advised that due to my circumstances she should draw up a letter of financial hardship to request help from the hospitals charity which was approved. The hospital 's charity took care of my out of pocket liabilities and my insurance company covered the rest. I was informed by my mother, who was handling all of this in my diminished capacity, that XXXX had sent a bill which she forwarded to the insurance company which reviewed the bill and told her they had already paid them their negotiated rate so do not pay this bill or anything they send you in the future as we were not liable for any other charges. Five years later I have had multiple collections companies try to collect on this same debt I was told by my insurer I didn't owe. I have had medical issues I've tried to get funding to resolve, that because of these collections agencies, I couldn't and still can't get funding for and have still yet to get fully resolved. Because of my time out of work, my diminished mental functioning at the time and getting laid off this caused us to lose my mother 's car, our apartment and caused massive amounts of financial struggle. XXXX of XXXX XXXX XXXX is the initial issuer of debt and the newest collection agency to acquire this undue debt is PHNX FINAN according to my credit monitoring tool. Please help get this resolved as this has caused extreme amounts of stress and further health issues not directly tied to a very traumatic period of my life half a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Around the end of XX/XX/2019, I applied for American Express Delta Skymiles platinum card which they advertised that if I spent {$3000.00} during the first three months, I would get introductory bonus miles of XXXX. I paid {$190.00} annual membership fee on the 1st statement. 

Because of the COVID 19, I didn't get a chance till today and found that I didn't receive any of the above mentioned bonus points at all. After I called Amex card customer services, they did agree that I did spend more than {$3000.00} during the first three months, however, the reason I didn't received the bonus miles is that I was not eligible. 

But I never received such a notice this and why I was not eligible, and my whole point of paying {$190.00} fee was based on the XXXX miles. I would never get such a card with {$190.00} membership ship without the introductory bonus miles. 

When I asked if/when/how they sent me a notice about my not being eligible, they couldn't find any information, saying it was a while ago. 

When I asked to cancel my membership and get my {$190.00} back that I paid initially, they said they can't do. 

I think it's deceptive for a credit card company to try to lure people into applying a card, deciding not to give the advertised bonus miles, and keep the consumer in the dark about it the whole time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: GA

Complaint narrative:
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

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 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
In 2014 I purchased my car financing it though Santander Consumer. With the paperwork I had signed and the terms were for 72 months and the financed amount. I have paid the 72 months and the agreed amount to Santander. They are trying to charge me an additional over {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have spoke with convergent outsourcing in reference to a XXXX that is on my Credit Report. I have never had a XXXX account the amount is {$560.00}

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 2020-12-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Unresolved Chargeback dispute between Citi and a merchant ( XXXX ) regarding the original transaction date of XX/XX/2020 in the amount of {$1700.00}. This was a deposit for an out-of-state apartment lease who required a merchant transaction through XXXX. 

On XX/XX/2020, I was forced to put a temporary hold with Citi on this transaction due to Covid-19 travel restrictions, but two days later I cancelled the hold when the landlord agreed to hold my deposit until Covid travel restrictions were lifted. 

Citi sent a " Dispute Detail report '' that this transaction amount of {$1800.00} was canceled and applied a permanent credit to my Citicard. Later, Citicard rescinded this credit claiming they made a mistake and the charge remained on my Citicard. 

The merchant nor the landlord received the funds after I cancelled the hold with Citi. 
I used other funds to pay the amount again to the landlord, while Citi showed that I still owed it on my Citicard

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 2020-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I discovered that my online bill pay scheduled recurring payments were showing up as 'cancelled ' 7 days after showing as 'completed '. 
I requested assistance with this issue from SunTrust several times, and to this date I have not only NOT received any help, but I have discovered several more problems with my account, caused by XXXX, difficult, and nasty CSR 's.

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 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I CALLED TO HAVE THE FRAUD ALERT REMOVED FROM MY CREDIT FILE AND THE CREDIT BUREAUS CLAIMED THEY NEVER GOT MY PAPERWORK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I CALLED TO HAVE THE FRAUD ALERT REMOVED FROM MY CREDIT FILE AND THE CREDIT BUREAUS CLAIMED THEY NEVER GOT MY PAPERWORK

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