vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to purchase a car at XXXX XXXX XXXX in XXXX Tx. I was pre approved for financing under XXXX/ Santander and decided to use one of their prefer vendors. My deal was approved for financing up to {$34000.00} with an LTV up to 125 % of the deal. I went to the lot on XX/XX/XXXX to inquire regarding a 2013 XXXX XXXX that was price at XXXX $ that was over the XXXX  value of XXXX $ ..Of course, the car was over the LTV of the loan, which then the sales rep needed permission to lower the cost in order for the deal to work. The final cost ended up being XXXX . Upon looking at my sales contract, i notice my interest rate was higher than my original approval. I originally contacted the dealership and was told that it was the right deal and that Santander approved this deal ; there was nothing they can do about it and my only option was to either talk to them about the terms or bring the car back to the lot. Upon calling up XXXX/Santander and receiving a screenshot of my deal from my sales rep that work my deal..I ask the XXXX  rep if they could pull up the approval to my deal that was worked into a contract.To sum it up..there was two applications under my name in XXXX. My original deal ( which was approve ) was scrap in favor of a new deal being created that was more aligned to the dealership profit.There was no permission being given to recreate a new deal or even a need to create another app. I was already approved for a car loan with the terms being given to me by XXXX/Santander. Overall, i will be bringing back the car and unwinding the deal which i told my sales rep. I'm highly upset that even with XXXX/Santander being offer an approval on a deal, would allow dealerships to recreate deals that are favorable for them to bypass the fees attached to the deal in which the dealership has to pay or to front load the deal that would cause a consumer to be very upside down on a car loan. Who knows how many other consumers are affected by this process. Even though my deal is being trash, something has to be done. Consumers are not aware that some dealerships will recreate an entire new deal rather than using the approval deal with that same exact finance company. It's not right, it's not ethical and something needs to be done. This was a complete financial markup/ dealer reserve deal ; a 6 % interest rate markup.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL

Complaint narrative:
hello, as a reply to your response left on my last complaint : if aspire removed ALL of my information, where can i obtain it? i need records of ALL transactions regarding this student loan. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
This is in reference to complaint XXXX which was CLOSED after the company, HSBC, sent me a letter telling me to send copies of my Driver 's license or passport and utility bills through the mail to authenticate me. I spent over three hours on the phone giving DL numbers, date of birth, mother 's maiden name, addresses- old and new, etc.. The credit card account I closed has {$160.00} credit that HSBC is stealing from me ( they will not send a check ). If MY money is not returned to me in a reasonable time I will be contacting the police and sheriffs in both XXXX ( previous address ) and XXXX ( present address ) to have this credit card fraud investigated. The HSBC reference number is ID # XXXX. 
The original complaint was opened XX/XX/XXXX and today is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
This complaint is in regards to an illegal foreclosure suit that XXXX XX/XX/XXXX XXXX has filed for the second time. The judge dismissed the first illegal foreclosure they filed on XXXX because they failed to submit the mandatory papers to prove standing. Then in XXXX they decided to file another illegal foreclosure suit against me and my wife. 

However, this time, they have not only failed to provide proof of the promissory note ( that we made with XXXX XXXX in XXXX ) They have fraudulently signed a bogus assignment of mortgage, signing as power of attorney for HUD. They have ignored the judges demand to state the date that they supposedly ( after six years being lost ) found the note. 

But the main reason for this complaint is to alert CFPB about the illegal use of the title of " trustee '' for what I believe, is a made up trust. In XXXX they filed as trustee for XXXX title trust! .Now they have filed as trustee for XXXX trust Series XX/XX/XXXX-CTT. 

Through my attorney I have requested numerous times the PROOF that this new trust even exists. If my mortgage was originally securitized, Then how can it be re-securitized. I request that CFPB investigate as to the veracity of the trust because I sincerely believe that is a lie.They have never submitted : 1- A copy of the COMPLETE RMAC trust, Series XX/XX/XXXX-CTT INSTRUMENT, LISTING THE TRUSTOR, BENEFICIARIES/ INVESTORS AND PROPERTY and date of registration. 

2- Documents showing that trustee is active, owning the debt that empowers XXXX XX/XX/XXXX to be a trustee pertaining to my loan. 

3- All documents showing physical existence of the trust, including details concerning XX/XX/XXXX XX/XX/XXXX as an actual trustee or the powers it has over the trust property ( including the mortgage ) 4-Documents showing business records of XXXX XX/XX/XXXX Trust Dept. , and who maintains these records, including bank account transactions in the name of the trust that XX/XX/XXXXXX/XX/XXXX has stated has standing to foreclose on my loan. 
5- Power of attorney from HUD to XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) on assignment of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
My situation pertains to multiple collections being placed into my Consumer Credit Files by Phoenix Financial Services Collections, without verification/validation or requested documentation or investigation as requested. 

In some case items are removed due to failure to provide such documentation and are then reinserted in duplicate, again with no notification as required under law. In this manner Phoenix Financial has glutted my credit files, duplicated entries and driven me to desperation. They have yet to comply with any request at validation under FDCPA or even FCRA guidelines. They ignore my requests and provide invoices ( their bills ),  but no tangible proof that the debts are accurate at all. I challenged the veracity of their claims, and to date no such proof has been forthcoming. It is my belief that they do not hold such data, and are cramming and trying to bully me into paying something which as I have stated multiple times, is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: CA

Complaint narrative:
On several occasions I have asked Equifax Information Services LLC. ( EQ ) to investigate the accuracy of the information in my credit file, to wit account XXXX XXXX ( PL ) XXXX. EQ response to me is the same. On XX/XX/2019 and again on XX/XX/2019 ( via certified mail XXXX ) I sent EQ a SECOND REQUEST to have EQ remove the inaccurate information from being reported on my credit file within EQ database. 
On XX/XX/2019 EQ sent me a reply of We are currently processing your previously submitted dispute for this account ( s ) ; we will not be conducting further investigation into this particular account ( s ) at this time. ( Ref : XXXX  ) I am not asking EQ to process and or to conduct further investigation the  inaccurate information on my credit file. I am asking EQ to Remove the inaccurate information from my credit file that is being reported. 
I have already investigated the inaccurate information with XXXX XXXX and requested XXXX XXXX to remove the inaccurate information from my credit file, and to date, I have not received a response from XXXX XXXX. All of my communications with EQ and XXXX XXXX are documented via Certified Mail Receipt ; I have proof the information being reported is not accurate and I presented the evidence to XXXX XXXX and EQ that the information is not accurate ; and to remove the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I selected an on-line option to have the balance of my XXXX Comenity credit card account automatically paid off each month on XX/XX/XXXX. I had a balance of {$280.00} due XX/XX/XXXX. When I received my XXXX statement it showed no payment had been applied, began accruing finance charges on the outstanding balance and charged by a {$28.00} late fee. I made an inquiry of Comenity Bank as to why they did not automatically deduct the payment of my balance on XX/XX/XXXX as selected. Their original response was that the on-line selection I made on XX/XX/XXXX took 11 days to process and so it wasn't reflected in time. I then inquired as to why it would take 11 days to process an on-line automatic payment selection and where was that disclosed to me as a consumer, as I assumed it would have been processed in time to post a XX/XX/XXXX payment. Then I received a response that did not address my inquiry, but rather told me I selected a {$0.00} recurring monthly payment and that is why a payment wasn't processed. I provided them a screen shot that reflects the selection was the balance of my account. I attempted to speak to a representative, but their system does not allow this to occur. It is fully automated. I closed my account as I would not do business with an establishment that intentionally attempts to defraud consumers. In closing an account with them it should be noted that that only way to receive a confirmation is through fax. I have to believe this is not legal as how many people own a fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: CA

Complaint narrative:
On XX/XX/2018 XXXX I reported identity theft to my local police department due to inquiries that were not made by me I submit it to all 3 credit bureaus and only XXXX handled my problem and erased fraudulent inquiries XXXX and TransUnion did investigation and did not make any changes.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
from the begin of XX/XX/XXXX we contacted Kimballtirey- a collection agency posing a lawyers- after noticing that they had posted inaccurate information that continues to affect our credit score. 

we were very firm and advised them to fix it. we forwarded some paperwork to their company (   kimballtirey ) to substantiate that their collection was in error. 

This problem stems from a previous apartment rental by XXXX XXXX XXXX . My family also got in touch with XXXX management and XXXX. The management company did their own investigation and advised Kimballtirey to remove the erroneous information. XXXX management in conjunction with XXXX management contacted me right away to let me know about their instructions to Kimballtirey. 

This Kimballtirey collection agency is not forthright with their conversations over the phone. they also refused to send me a letter stating that they had corrected the mistaken entry that keeps affecting my credit score until now as it is being reported as a late payment on a monthly basis. 

Please see attached paperwork. I currently do not live in XXXX apartments. Kimballtirey removed the original debt collection from the credit report but are fanning ignorance to the erroneous reporting of monthly payments due when i do not owe them any money. And they are also saying that they are not the ones reporting it as late every month bit on the other hand the credit companies- XXXX, XXXX , and XXXX -says and shows Kimballtirey as the company reporting this error. 

Consumerfinace.gov has my full permission- to contact/ call XXXX management to inquire about my standing as they clearly state that I do not owe any money to XXXX apartments. Please see below XXXX XXXX operations support coordinator XXXX apartment communities XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Direct/fax My name is XXXX XXXX I used to rent XXXX apartment from XX/XX/XXXX to XX/XX/XXXX XXXX - cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX  has put a remark on my XXXX report account abuse and i paid XXXX thats not mines. They also have several address that i never lived address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX phone number XXXX-XXXX-XXXX  i never had this account with XXXX XXXX and these addesses are not mines someone mustve used my information but it wasnt me. i attached pictures of the report and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
here is the XXXX case : XXXX : XXXX This is the same complaint I posted against PayPal Inc on the XXXX XXXX XXXX : I made a transaction with a business in XXXX using PAypal because Paypal promises 100 % refund, but now will not give me my refund, tho i have proof. 
We wanted to purchase tooling to make tires in quantity from XXXX at XXXX XXXX XXXX XXXX via Paypal payment, because Paypal guarantees 100 % money back. XXXX at XXXX XXXX XXXX XXXX did not hold his end of the bargain and wasted a lot of our time, so we tried to get the money back from paypal ( {$1200.00} ) because XXXX never provided a product according to the agreed specifications and time. We have emails of these specifications and XXXX agreeing that he would give us a full refund if he was unable to produce the product before any transaction to paypal ever occurred. I called paypal 3 times prior ) to transaction. The only reason I took the risk with XXXX was because paypal protected my risk The issue is that Paypal will not give us our money back, despite full evidence provided. I called paypal over 15 times in total, spending about 8 hours across a few different days, first calling on XX/XX/XXXX and opening a case with paypal in which I was told to send the evidence via their website upload, which i did. I received an email 3 days later saying I hadn't sent them the evidence and that the case was denied because of this. So I called again, re-opened the case, and this time made certain the paypal employee had received the files and read them/viewed them and confirmed they had them. A day later, I got an email saying my case was denied because I hadn't sent the evidence ... So I called again, confirmed they had the files again, and again my case was denied a day later for the same reason. I did this about 4 times across XX/XX/XXXX to XX/XX/XXXX, each time trying to get a manager/supervisor who could promise me they would handle it, to which they would all tell me that I can not speak to the people who actually make decisions on the cases. I asked to speak to the employee who previously promised me they would handle it, and the paypal employees all say " I'm sorry we do not have the technology to connect to a specific employee. It is random sir. '' Every single employee said they can resolve this case and get my refund, but then my case is denied. It is very obvious by the emails that the seller promised me a refund as well. This should be an open close case in my favor. During all the time on hold, paypal 's waiting commercials kept reminding me that they guarantee protection for 100 % refunds as well, but they keep denying my simple and straight forward case, seemingly without even looking at the glaring evidence. 

So how am I supposed to hold anyone accountable/be sure that anyone will do anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: CA

Complaint narrative:
On XX/XX/2018 XXXX I reported identity theft to my local police department due to inquiries that were not made by me I submit it to all 3 credit bureaus and only XXXX handled my problem and erased fraudulent inquiries Equifax and XXXX did investigation and did not make any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XXXX. XXXX, 2015 I need this 90 day removed from my credit history!

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XX/XX/2015 I need this 90 day removed from my credit history!

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XX/XX/2015 I need this 90 day removed from my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
XX/XX/19 letter from reverse mortgage company that they need wind/hurricane coverage for our property. They already have a copy of the homeowner 's insurance as part of the loan process, which covers this. 

XX/XX/19 letter from reverse mortgage company they will charge us {$5600.00} for wind and hurricane coverage. 

XX/XX/19 XXXX 's XXXX sends another copy of our homeowner insurance with confirmation that it covers wind and hurricane damage. 

Finance of America has not sent confirmation that they received the insurance information and that it is acceptable, so we do not know if we are going to be charged {$5600.00}. My concern is this is a scam to charge a horrendous amount for coverage that already exists. They are taking advantage of old people who might not be fully able to wade through all of the details, and bing, {$5600.00} gets charged!! The entire homeowner insurance only costs us {$3600.00} and that covers much more than wind and hurricane damage.

Company response to consumer: Closed with explanation