vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I went to look at my checking accounts on my banks ( USAA ) website. I was unable to login and received a message to call the fraud department. When I called the number provided on the message, I was informed that I was speaking with the fraud department and my account had been compromised. I was told I needed to allow USAA to wire the funds ( {$18000.00} ) to another account. The person had all of my personal information. While I was speaking to the person I thought was USAA i received a text asking if I authorized a wire and to call them. I did NOT respond to the text with a yes, but instead called USAA to which I found out I was the victim of a scam/fraud. I was initially told that a request was sent to the fraud department for investigation to get the money returned. I was told it would take 2-5 business days to complete. I have called and followed up multiple times and continue to get the run around. I ask to speak a supervisor and I cant get one on the line. Each customer rep tells me that they dont see notes about my fraud case. It is now XX/XX/XXXX and nothing has been resolved nor have I received correspondence/communication from USAA on the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: ND

Complaint narrative:
In XXXX - I was new to the USA with no credit history. Santander Consumer USA offered me a loan at an APR of 27 % for a {$14000.00} XXXX XXXX. I was paying on the car, never missed a payment. In XXXX I had to move out of the country full time due to a family emergency which had me living overseas for 3 years. I voluntary surrendered the car in XXXX and the car was sold for {$8000.00}. I also up until then had paid almost {$5000.00} which was primarily in interest fees with a 27 % APR. In total they had made over {$13000.00} on a XXXX XXXX XXXX. 

I am currently back in the USA and am looking into purchasing a new car and was denied due to Santander Consumer USA 's charge off on my credit report. I then read that they are in a XXXX dollar settlement and are required to remove and forgive all debts from consumer 's credit reports. I sent a letter to have the debt validated and they did not validate the debt, I sent a letter trying to settle the account and did not receive a response and yet they still continue to report a balance to the credit bureaus on an account that has been charged off since XXXX. I resided in a state that is included in the settlement and have yet to receive any documentation regarding the removal of the account from my credit report. 

I have called Santander executive offices and have just been passed around, I have sent letters to the credit bureaus requesting to have the debt validated and to no avail. 

This is my last resort in getting Santander Consumer USA to make a move. I live in a state with extremely harsh winters and I do not have a reliable car. I do not have the luxury of waiting on Santander to make a move. Santander has literally financially scarred me and I am just now realizing how inhumane a 27 % interest rate is. 
I have offered to settle this alleged debt and they neither denied or accepted the offer. Not even a response validating this debt. 

I would like this removed from my credit report on the sole basis of what was agreed upon in the settlement offer. I am not asking for money from the settlement, I am simply wanting this removed from my credit report and the alleged debt forgiven due to their unfair credit practices. 

You have made money on this XXXX car. Why do you insist on keep punishing me?? Why do you insist on practicing unfair business practices despite having a lawsuit against you? The market is saturated why do you insist on collecting on a charged off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I ordered hair salon equipment that was four double sided stations and eight styling chairs from a company called XXXX XXXX on XX/XX/20. XXXX XXXX called me to set up a delivery date of XX/XX/20. He and I had emailed back and forth discussing my order. I still have not received any of my purchased order from the company as of XX/XX/20. A company called XXXX XXXX XXXX took the money from my account on XX/XX/20 but I never had any dealings with this company. I had only spoken to a man named XXXX XXXX from XXXX XXXX who claimed to be their sales executive phone number XXXX. I reached out to the company XXXX XXXX on XX/XX/20 through XX/XX/20 trying to inquire about my delivery date and had no contact then at all while emailing, calling, and leaving messages. 
I contacted my bank Suntrust now Truist on XX/XX/20 to inform them that I thought I had been scammed by XXXX XXXX. I gave info to start investigation and on XX/XX/20 they sent me an email stating no error had occurred. I reached back out to them by phone to appeal and was told i would need to fill out a rebuttal form. I also asked for proof of why they made their decision which I also have not received. I received that on XX/XX/20. I printed it and filled it out. I had gathered information from XXXX about is this company real? I googled the address to XXXX XXXX and found it was a vacant building. I reached out to businesses near that address and companies confirmed it was vacant and had been for years. I filed a police report, talked with other stylist and received emails with some of their stories. I Had received emails from a business near the address XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I had discovered that a company XXXX XXXX is using the same address. Again no business in the actual building. I sent my rebuttal form in on XX/XX/20. since then I reached out to the Illinois Secretary Of State and enetered XXXX XXXX  and XXXX XXXX A Person with the name of XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Illinois is the contact person for XXXX XXXX. The contact person for XXXX XXXX is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Illinois. I was told it could take up the 45 days to decide to open my case back up. I need a resolutions. I understand that I used my debit card to purchase but Never with XXXX XXXX and I have never received my goods purchased from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-08-18 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: CA

Complaint narrative:
I have no idea who XXXX XXXX XXXX  is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...

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 2020-08-18 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: Lendmark Financial Services
State: PA

Complaint narrative:
I took out a loan with Lenmark financial and I defaulted on the loan Lendmark financial then sold the debt to XXXX XXXX XXXX XXXX. I settled the deck with XXXX XXXX XXXX XXXX and they gave me a settlement letter the account on my credit report is still showing derogatory and charged off I filed a complaint with consumer finance. XXXX XXXX replied that they reported the status of my account to the creditor. Lendmark has not updated my credit report to show settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have held a Citi Mastercard Credit Card since XXXX, back in XX/XX/XXXX, I signed up for Auto Pay for both the minimum payment plus an additional {$2500.00} to budget my account, I was under the assumption that first Auto Pay in the amount of {$2500.00} would be in XX/XX/XXXX. At the end of XXXX I made an over the phone payment in the amount of {$3000.00}, reviewing my bank statement, I noticed Citi had withdrawn already the {$2500.00} ( Auto-Pay ), so I decided to make a stop payment with my bank for the {$3000.00} - there was no need to credit my credit card account for {$5500.00} since I had met my obligation in the amount of {$230.00} ( monthly Auto Pay ) .. Now, on XXXX XXXX, they notified me that my account was closed due to the fact that I had placed a stop payment on the {$3000.00}. ..I feel it is unfair since I had met my monthly payment obligation per our contract and on top of that an additional payment in the amount of {$2500.00} They have been unwilling to resolve this issue and have been forced to seek Legal Aid.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have already disputed this with XXXX and was sent a certified letter that collection efforts would be ceased on this account. I want collection efforts to cease and this account with Southwest Credit be closed. Per the response from my previous dispute : " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Contrary to Mr. XXXX concerns, we have no record of receiving any request for validation from him. Notwithstanding, we have closed the account with our office in accordance with Mr. XXXX request to cease collections. Furthermore, the Credit Reporting Agencies ( CRAs ) are being instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and we recommend giving them at least thirty ( 30 ) days to update their records. We trust this resolves your concerns. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no idea who XXXX XXXX XXXX  is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...

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 2020-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no idea who XXXX XXXX XXXX is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Contacted sequoia financial in XXXX XXXX, ca to settle a debt. On the phone, the agent told me that if I pay XXXX $ they would decrease the amount from XXXX to XXXX including the XXXX $ and a payment plan of XXXX till I paid off about XXXX $ remaining. I agreeed, paid and asked for receipt but no receipt was sent as promised. They stalled for weeks sending me a contract stating that it will come and its just going through a process and that my credit report has been cleared of any debt from their company. On XXXX XXXX, I received the email that I wasnt able to read until XXXX, and it states the same amount of XXXX $ with no mention of the XXXX $ they have taken from me. I called them the next day. The woman who took my money told me that I am mistaken and that they are going to replay the recording. She raised her voice in annoyance stating that she will send me the receipt within the hour. She did not send the email receipt. Again. I contacted my bank to try to report fraud but they told me that it was a scam not fraud. I am left with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter of Garnishment from my employer XXXX in regards to a company called XXXX XXXX ( Apex Servicing ) XXXX. This was a personal loan in the amount of {$1500.00}, and I never received any documents of collection or court order for them to garnish my wages. I reside in a state where court orders are required to file for a garnishment from these types of creditors. Also, upon review Apex is not licensed to apply wage assignments to the state in which I reside. The loan was taken out on XX/XX/2020 and they started garnishment on XX/XX/2020, and they are garnishing 15 % of my wages as if they are a student loan collector. Per the letter from my employer, the 15 % correlates to student loan debt. I did not get any notice or attempts of collection and the actions took place less than 90 days of the loan. I feel I was not given adequate notice or time to respond. The company refused to tell me the times they attempted to collect anything from. I would like for the garnishments to stop and the funds they took to be reimbursed to me. I would like to pay the loan directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've updated my current address with XXXX, XXXX, and Equifax and requested all incorrect addresses and phones be removed and it keeps being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've updated my current address with XXXX, Experian, and XXXX  and requested all incorrect addresses and phones be removed and it keeps being denied.

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 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Case Number : XXXX Merchant : XXXX Transaction Date XX/XX/2020 Amount {$100.00} The remote control I purchased on XXXX was defective. I contacted XXXX and they told me to return it and provided return label. I returned the product 0n XX/XX/2020 via XXXX Tracking Number : XXXX. Since then XXXX refused to issue a refund. 
I opened dispute with Capital One and was told to provide proof of return and letter that explains the situation. Capital One received all requested documents on XX/XX/2020 hence refused to resolve my dispute. 
The Consumer Rights Act gives me the statutory right to return something and get my money back if it's faulty. I provided proof of return and Capital One still refused to resolve my dispute. I called multiple times and agents are rude and not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a disagreement with Bank Manager regarding, transactions and overdraft fees that were charged to me incorrectly. I had available funds and bank switch order of processing charging me unreasonable amount of overdraft fees that I was not responsible for. Also was a unauthorized transactions that I did dispute so I shouldn't have been charged by bank. The branch Manager in XXXX, IA refused to return my money back and I then later got a call from customer service, I did miss the call. I then later realized that my funds were returned. Then I receive a letter in the mail stating the branch Manager was closing my account, without reason. I believe she did this out of retaliation, which goes against the Banking law.

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 2020-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
I believe the steps taken to ensure a timely close were severely mis-handled by my lender, Veterans United. 

The targeted closing date of XX/XX/XXXX was decided on XX/XX/XXXX ( an attached email shows this ), a Saturday. Communication of the closing date was given to Veterans United on XX/XX/XXXX, a Monday. Prior to this, Veterans United had the credit report, employment verification, rent verification, salary information, and alternate tradeline information of both myself and co-purchaser for over 1 month. 

As of XX/XX/XXXX, we are unsure if we will be able to close due to the length of time it has taken the title company ( XXXX XXXX ) to return the title clearance. ( Various attached emails show this. ) Our loan file must go to the Veterans Administration for a final review before we may close. This could take up to 10 business days. This leaves a large possibility for our close deal to fail. 

I am filing this complaint because I feel Veterans United waited much too long to get the procedure started with the title company. 

Veterans United did not tell me of this uncertainty until I asked about it specifically on XX/XX/XXXX via phone call.

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