vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I sent santander a letter on XX/XX/2018 ( letter attached ) and ask for A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.They only sent a copy of a retail sales contract that no one from santander signed. They did not validate the debt.Under the Fair Debt Collection Practices Act, I have the right to request a validation of the debt and prove that I am indeed the interested party who is contractually obligated to pay this debt.I have attached a Certified XXXX information request showing they do not have a lien placed against my name. This is unfair and fraudulent business practices for lack of full disclosure according to regulation z of the Truth in Lending Act. I would like to know how this company is using my social security number. Santander have been calling my phone repeatedly ( 4 times in one day back to back ) and they have not validated this debt. Santander have been know for unfair business practices in the past and this company needs to be put on notice for unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BANK OF AMERICA XXXX I WAS CONTACTED BY PHONE FROM BANK OF AMERICA ON XXXX A RECORDED MESSAGE WAS LEFT ON MY PHONE SAYING TO CONTACT THEM ABOUT A IMPORTANT SERVICING MATTER THEY HAVE AND THE OPPORTUNITIES THAT THEY HAVE AVAILABLE TO ME. 


ON XXXX I filed a consumer complaint with CFPB CONTINUES TO CONTACT ME BY PHONE AFTER I ASKED THEM TO SEIZE FROM CALLING MY PHONE. 

HERE IS MY DOCUMENTS SUPPORTING MY COMPLAINT BELOW

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 2018-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX , BANK IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,

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 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC
State: NV

Complaint narrative:
We were selling property in XXXX, NV in XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXX XXXX to have the tax payment stopped as the payment would be handled through closing. The loan closed on XX/XX/XXXX with the taxes paid through the title company. On XX/XX/XXXX I received a  letter from XXXXXXXX XXXX stating that the tax amount of {$280.00} was disbursed from the escrow account on XX/XX/XXXX and they could not stop the check. Receipt of this letter was after the loan had closed. This resulted in a duplicate payment of the taxes. I was assured that they would receive the funds back when the tax office refunded the money. On XX/XX/XXXXI contacted XXXXXXXX XXXX XXXX XXXX and they told me that had not received the refund and referred me to Corelogic Inc. as the  refund would go to them first as they make the bulk payments for XXXXXXXX XXXX. I called Corelogic Inc. and was told that they had not received the refund from the tax office. I called the tax office and was informed that the refund had not been sent and could take up to 6 weeks. 

OnXX/XX/XXXX, I followed up with XXXXXXXX XXXX and Corelogic and was informed that they had not yet received the refund. I went to the tax office that day and they told me that the refund was going out that day. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX again and again was referred to Corelogic. I spoke with XXXX who told me that the tax office sent the refund to the wrong company which made no sense to me because the tax office told me it would go back to Corelogic. Corelogic told me that the refund went to XXXXXXXX XXXX and they had contacted XXXXXXXX XXXX onXX/XX/XXXX to get them to send the money back but was uncertain how long it would take. I contacted the tax office for verification and the tax office told me that the refund was sent back to Corelogic Refund Department on XX/XX/XXXX. 

My opinion is that Corelogic sent the refund to the wrong Company and they are trying to cover their tracks. I has been over 4 months since this property closed and I am no closer to getting this refund than I was at closing. This is obviously the mistake of Corelogic Inc.

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 2018-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. 

Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. 

This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. 
These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. 

I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. 
My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. 
Both of these deficiency repayments are taking place at the same time as the mortgage payments. 

ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I began disputing this entry with XXXX as it is reflected on my XXXX  credit report. For the last year, this company has denied that they have any account with my information attached to it. This is ludacrous. Why then is there an entry reflected on my report? I have never opened an AMEX nor XXXX 's account. This account is fraudulent and should not be reflected on my credit report. 

Being that XXXX by phone and in writing has stated they have no records with this account information or can't provide any documentation to substantiate what they are reporting, the entry must be DELETED! I am prepared to hire an attorney as it seems that the company does not want to cooperate with my requests and this account is continuing to report on my credit. 

This account does not belong to me, was fraudulently opened and therefore I am demanding that it be deleted!

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/18 Experian has on my credit report XXXX XXXX as a debt owed and should not be showing on my credit report. 

attached is a copy that was file to the consumer financial protection bureau and a letter from XXXX XXXX as to the debt has been requested for removal and should not be showing

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 2018-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
XX/XX/XXXX my bankruptcy was discharged after which Loan Depot quit sending me monthly statements even though I did not include my mortgage in the bankruptcy. 

XX/XX/XXXX, I emailed Loan Depot asking them why they quit sending me statements. No reply. 

XX/XX/XXXX wrote a letter after I talked to one of their agents who told me to email XXXX and include a copy of my Bankruptcy Discharge which I did. No reply. 

XX/XX/XXXX emailed XXXX with same question and no reply. 

XX/XX/XXXX called twice and the second time an agent told me to email again requesting that my statements be mailed. Of course no reply. 

I have been mailing my monthly statements even though no statement received to a special address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. 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
Consumer complaint received 2018-06-18 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:
In XXXX I made a voluntary delivery of a car due to illness and I moved to XXXX to the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX. The bank after the property was delivered sold the car in a month. There was a difference of {$8500.00} and agree to pay in payment plans to a company hired by the Bank. I paid for 2 years and fulfilled as agreed. In XX/XX/XXXX, I received the balance due because the wrong balance was affecting me, since XXXX XXXX XXXX did not report the payments. I asked the Bank to indicate when I had to pay to get the account at XXXX. They told me that I had to pay {$2600.00} and thus achieve the account at XXXX and it would be removed from the Experian Report Agency, since for XXXX and XXXX the Bank determined for XXXX, determined delete. I have made several arrangements with XXXX XXXX XXXX and with Experian and I have not been able to delete the account from my credit report. The Law that protects the consumer in relation to credit information is clear and states that failure to report information correctly in 45 days will be delete. The XXXX XXXX XXXX indicated that due to internal processes they did not sell the account, but that the client made his payments to a collector company, XXXXXXXX XXXX. He requested that the process that has harmed my credit history and the violations of the Law that protects the consumer be investigated. He was asked to remove the account from my Experian credit report, for violations of the Law and that currently damages me in the Experian 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 2018-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My daughter has some private student loans with NAVIENT and we need assistance please. Im sure youll find this ridiculous and thats okay but we are petitioning to have her loans reduced, partially forgiven or ANYTHING that will get these ABSURD balances down. Ive checked the original amount of the loans and then looked at what the balances are now she isnt making ANY HEADWAY at all and has been making payments for EIGHT years. And your folks are telling her that her monthly payment will eventually need to be around {$1200.00} AND that she needs to make payments for another 28 YEARS!!! That is the most absurd thing Ive ever heard. Its like paying off a house! She only brings home just over that amount and she cant even live out on her own BECAUSE of THIS! 
Shes been working with your company IN GOOD FAITH she stays in touch ALWAYS makes her payments. Shes qualified for interest rate reduction in the past and has to requalify again and again - then as soon as the qualification runs out you people raise her payment AGAIN! Its ridiculous. I want to know WHO can get this rectified. As XXXX  Mother I WILL NOT STOP until we get this to a reasonable and manageable point for her. She is MOST willing to pay you but you make it IMPOSSIBLE and its  just nuts. Youre predatory and I know you have MANY pending lawsuits against you right now with the CFPB for for systematically and illegally failing borrowers at every stage of repayment. And I fully understand this You are STEALING money from young folks who are trying to have a LIFE. My child wants a LIFE she wants to be able to buy a house even LIVE IN AN APARTMENT on her own but because of Navient shes held back. And I just will not stand for it anymore. MY CHILD DESERVES A GOOD LIFE without the PAIN and FEAR of these ridiculous loans staring her in the face. Think about how YOU would feel if this were your child. She went to college to better herself and make a life for herself - NOT to be dunned and dogged by the likes of Navient for the next 30 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. 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
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I attempted to open a business account in XX/XX/XXXX and was declined by several financial institutions. In addition my personal accounts were also shut down after several years of banking by personal banking institution, XXXX, as something from EWS popped up in conjunction with the opening of a business account. 

It was a nightmare, and occurred at what was meant to be a happy time - starting a business. 

I was advised by XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX  XXXX, NC XXXX in XX/XX/XXXX that I needed to clear the item before they would open the account. I disputed the XXXX item ( CFPB ref XXXX ) and it was cleared. 

During this time I was also advised by another financial institution that there was an adverse XXXX  reporting from XXXX  XXXX XXXX. 
I was advised by XXXX  XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, NC XXXX that as long as I paid {$300.00} that " the item would be removed and I should have no issue opening a new account as long as everything else was cleared ''. This was after the branch supervisor/manager reached out to collections/recovery to provide an understanding of what the item was for. I paid the {$300.00} on XX/XX/XXXX and was then able to new accounts with XXXX XXXX XXXX XXXX XXXX. 

My small business has been expanding over the last 5 months and I have a need to work with a larger bank who offers expanded business banking products. I just attempted to open a new business account with XXXX  XXXX XXXX and XXXX XXXX on XX/XX/XXXX and was once again declined. 

This is getting ridiculous at this point. 
1. This nonsense is crippling a small business owner from starting out on the right foot. 
2. The transparency around EWS and banking decisions to close and not open accounts is horrendous. 
3. The lack of consumer knowledge around who and what EWS does is very evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Around XX/XX/2018 I had my credit report run for a rental application. Equifax stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called equifax they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with Equifax ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that Equifax provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is equifax that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).

Company response to consumer: Closed with explanation