vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/2019, my vehicle was declared a total loss. On XX/XX/2019, XXXX sent out a total loss statement. On XX/XX/2019, XXXX reported that check had cleared for {$6.00}, XXXX. However, Santander USA Consumer reported that they had no knowledge of check being received. I, XXXX XXXX, had taken it upon myself to three way call Santander USA representative along with XXXX agent and finally, Santander stated that they had received the check but could not process it for 10 days. 


XXXX, asked what was the reason for them to hold check, cash and not process until a week later, Santander responded that they had procedures to follow. XXXX ask Santander where they in receipt of Gap payment from XXXX XXXX, XXXX? 


Santander representative acknowledge payment, however, again they were unable to apply payment. 


For the next couple of weeks, XXXX, attempted to contact Santander regarding payment ; however ; Santander stated to XXXX that in order to apply payment, that Santander would need to take two of XXXX, past payments of XXXX and XXXX, delete them ( although funds where deducted out of XXXX bank account previously. 


Santander USA Consumer stated that this was required in order for payments of XXXX and XXXX XXXX to be paid. 


About a week later, XXXX received a letter from Santander stating that loan was under default for missing two payments. XXXX contacted Santander and ask how would loan be under default when over {$12000.00} was received. The agent research and stated it was an error and that the reason was because payments were deleted in order for insurance payments to be processed but for XXXX to ignore issue. 


On XX/XX/2019, XXXX was notified by credit monitoring agency that two payments were missed for XXXX and XX/XX/2019? When XXXX contacted Santander and asked for an explanation, agent and manager stated that it was incorrect. 


XXXX explained to Santander that there closing for a home is less than 30 days and the false credit reporting is jeopardizing XXXX future home. 


The manager at Santander stated that in order to remove report, that XXXX would need to dispute claim. XXXX did not know why it was required since no payments were missed and large insurance funds received. 


When XXXX replied of obtaining an attorney, Santander Manager stated that there Executive Manager would contact me within 24 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC
State: CA

Complaint narrative:
Advanced Portfolio Group ( aka APG ) first called me on XX/XX/2019 informing me that they were attempting to contact me to mediate a " business '' matter. Upon speaking with a representative at the firm, they are attempting to collect on an installment loan debt without ever notifying me via written mail. I asked the representative to mail me the appropriate information per the Fair Debt Collection Act, in which he verified my home address. I indicated to them that I would be disputing the debt. 

The company called again on XX/XX/2019 and left a VM saying I had plenty of time to review the email they sent on Tuesday and wanted to know if I would prefer to settle the account or go to mediation. I called back and spoke with another representative to inform them I still had not received the notification via mail. The representative indicated that they already mailed something 30-days ago and sent an email on Tuesday. I informed them that I had not received both, per law, and would again need to validate the debt. The representative became very angry saying they could verify a letter was sent, which I indicated unless you certified it, I have no record receiving it. 

It is my belief that Adavnced Portfiol Group ( APG ) is not following the Fair Debt Collection Act laws and have mailed them a cease and desist letter via certified mail. It is my expectation that all further communication be mailed via USPS per law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My daughter was scammed by someone and sent the money via PayPal. Paypal allows these people to take money from unsuspecting people and doesnt offer help just lets these people steal their money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My sister sent me funds from her checking account through XXXX and the transaction failed according to XXXX and the funds were sent back to my sisters bank account ( Wells Fargo ) however Wells Fargo never received the returned funds. Multiple calls have been made to XXXX and Wells Fargo and investigations go no where. I also filled an investigation with my bank confirming transaction was never received. These transactions, equaling {$400.00} have yet to be resolved and no monies have been received by myself nor my sister.

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 2019-10-10 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Every time I apply for a low to fair credit score credit card, I get denied. The last card that I applied to, they said that there was suspicion of some sort of fraud. Would you be able to look into that please?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: TX

Complaint narrative:
Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to 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 2019-10-10 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: MN

Complaint narrative:
I am a victim of ID Theft and have contacted Equifax 's fraud department as well as it's consumer relations and provided them with a police report as well as an FTC affidavit for credit inquires that are as a result of ID theft. Equifax is asking me to contact the creditors who inquired, however when I contacted the creditors, they are referring me back to Equifax. This fraud inquiries are severely hurting my credit. 

XXXX XXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Complete Dept. Stores Inquiry date : XX/XX/XXXX XXXX XXXX Furniture, Etc. 
Inquiry date : XX/XX/XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX  when checking my email account I noticed a email from my credit monitor service ( XXXX XXXX ). It said there was a new inquiry. I opened the XXXX XXXX app and review my credit report to find that someone opened a new Kohl's/Capone charge card under my name which I didn't do. I spoke with Kohls fraud department and they shut the card done and labeled it as fraud. The incident number is XXXX. I made a report to my police department and to XXXX XXXX credit beuerWrite to XXXX. We've created a letter for you based on the information you've already provided.u for a fraud alert. The amount spent on the charge card was {$15.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
In or around XX/XX/2015 I had an auto accident due to the fault of another driver. My vehicle was a complete total loss. The party at fault insurance company booked a rental for me at XXXX XXXX XXXX XXXX. However, after several days into the auto rental XXXX XXXX XXXX XXXX told me to return the auto in which I did. The other party 's insurance company that was responsible for the billing did not cover the amount due as stated to me. I was not responsible for the booking of this rental. XXXX XXXX XXXX XXXX has attempted to collect debts from me that I was not responsible for. I have explained in calls and letters many times it is not my responsibility. XXXX then retained a collection agency and I have also sent letters and faxes about this debt. I ultimately have had no choice but to file with the CFPB with my complaint. They have reported to this account to the credit bureaus causing irreversible damage to my credit scores, interest rates an inflicted financial losses due to erroneous reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
hi to whom it may concern bank of america closed 2 of my credit cards for no apparent reason on or about XX/XX/2019. i had both of these credit cards with bank of america . i have perfect history with them and they gave me no indication as to why they closed my accounts. all i was told was i was a high risk, but did not specify why i was a high risk. al tho they didn't inform me or indicate this was a reason my credit report reported high balances. i told them of this and asked if this was the reason but recieved no response. i formed them that some cards had been fully paid and that the report was not accurate. this was a within couple days of account closing. only thing they offered was to try in dispute this and i agreed but no luck. i fried in few times within the week and same result. once my cards had reflected they had been paid off on or about XX/XX/XXXX i tried again but i received the same result. this is the only thing that had changed on my report. i was using both of my cards within terms and conditions, i always paid on time. they gave me no explanation or reasoning for there actions. i believe bank of America is negatively profiling me as they have no reading and can not come up with a just reasoning for there bias decision. i would greatly appricate any help the resolve this

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 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
Loan was sold to Rushmore Loan Management Services. During the change of loan management I received a letter from the original loan service company telling me the loan would be changed to Rushmore Loan Management Services and they gave me a new account number and address to send the payments to. I use bill pay on XXXX and did just that. Got an automated call today XXXX from Rushmore Loan Management Services telling me to contact them. I did. The person asked if I planned to keep the home and then asked for the payment information. I provided the info I was given and was told the account number had been changed. Rushmore Loan Management Services rep said my check would be mailed back to me and I would have to submit a new payment with the correct account info. I have no issue with that except that they said I would be charged late and other fees since the loan would be considered late after the XXXX. There is no way I will get the check, bill pay another one and have it posted by the XXXX, that is only 5 days. I asked them why I would have to pay fees on a new loan and asked if they could not be charged or waived since this is a new loan in transition. They were unwilling to discuss or work with me on it. What options do I have, if any to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
This is in regards to a Target RED card.I called and spoke to 4 different people trying to cancel this card. 

In XX/XX/2019, I went online and paid the balance off for the credit card and asked to close the account. I had a flood in my condo and was not able to live there for two months. I had my mail held and paid off my debts while displaced. Now we have returned and I have a statement from Target that although I paid the balance there was a late fee that has compounded from {$7.00} to {$150.00} ( three months time ). 

Today, XX/XX/2019, I called customer service asked to cancel the card, clearly it had not been back in XX/XX/XXXX, and asked who I could speak to about these additional fees unrelated to any merchandise purchase. I was bounced to four different phone reps - all who said they can't cancel the card. I repeated the same request to cancel this card ( to stop the fees accumulating ) and to speak to someone about the fees. Each time they said no to closing the account and they would not be able to cancel the fees. Mostly I thought it was unethical for them to refuse to cancel the card to stop the accumulation of NEW fees while I dispute the old fees. 
The last persons name I was given as a " manager '' I could call back because no managers were " on the floor '' was XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Have a fraudulent inquiry from XXXX on my credit report the inquiry date is XX/XX/2019 2019

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 2019-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
Aloha, After having an abnormally hard time getting a digital copy of my closing docs for my records, and after just receiving my property tax notice in the mail- I saw quite a significant disparity from what my appraisal came back as and what my property assessment value is. 

On XX/XX/2018- I proceeded with closing on a VA home loan for my current condo. For a VA loan approval, and any mortgage loan, an appraisal is done to verify the value of the property. USAA requires, as part of the loan process to disclose the contract price of the loan prior to them requesting an appraisal. In compliance, I sent them a copy of the purchase agreement for an offer made of {$320000.00}, and in return an appraisal was conducted. 

Within a week or so, I got back my appraisal and it came in for the exact amount of my offer, {$320000.00}, no more, no less. I found it odd, but was assured this could happen. As I mentioned earlier, I did not know that the property value was indeed lower until I received my property tax assessment form which so happened at the same time I was trying to request electronic documents from USAA and the request for some reason was forwarded all the way up to the Office of the CEO. Now, that I found to be a bit odd.

Something told me to take a deeper look since I was getting so much push back and it took about 3 weeks to get a simple electronic copy. I went back through my docs, and also saw in the mail my tax assessment form. 

It pangs me to know that my lender, who is in business primarily for the military is doing us a huge disservice. After doing research on appraisals I later learned that this is a common practice for lenders to accept high appraisals due to higher interest rates, PMI, and more money in their pockets. It's reported on average appraisals can cost consumers an increase of up to 4 % on their real home value. 

I find it no mistake why it took so long to receive my records, nor that my appraisal is incorrect. It is at this time, I am seeking remedy from USAA, who was the loan originator, to review my records and make a fair adjustment. I am a 100 % XXXX veteran, and this oversight / practice is not only costing me my time, but taxpayer 's money, and great hardship since I put down {$10000.00} of my savings for a reasonable monthly payment. 

Thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Florida department of revenue XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/2014 I was ordered to pay child support, due to unemployment over the years I was unable to pay for months at a time, florida department of revenue is stating I owe XXXX, I never borrowed money from them to be an obligor, and financial and securities companies are constantly telling me I have to get the child support debt down before they can hire me. This is effecting my ability to advance my career and gain more income to provide for my family. 

Experian has this debt on file acct # XXXX as well

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 2019-10-10 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: CA

Complaint narrative:
XX/XX/19 - I went to XXXX to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not Equfax or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
Eagle loan is charging me fees I didn't realize. They are also calling the loan secured but I didn't give them collateral. 
I have made 5 payments of {$190.00} which totals {$970.00}. I only borrowed {$1400.00} and they told me to pay it off would cost {$1200.00}. Is that legal in the state of Ohio?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Yes i open a checking account and saving account threw this company. I pick my debit card. They sent all my info to me and card. But they closed account due to my ip being know fraud they say. Which is XXXX. i check my ip and had tech check my ip and it is clear as day. So they lying. Didn't let me do anything with this account. They should just deny me from beginning. Bad business and not recommended.

Company response to consumer: Closed with explanation