vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
First I would say Santander is a loan shark company as I have been paying over 20 % interest on a lemon a car I havent even been driving. They blocked me out of my account online forcing me to pay over the phone but when I pay over the phone my payment is posted 24-48 hrs later they made a mistake on a previous ACH payment. Im NOT working Im A XXXX veteran and Im Not even driving the car because Ive had to pay all kinds of maintenance fees in repairs. My son who is serving overseas left me his car. In the meantime I am expecting a payment from my former employer because I was wrongfully terminated in 2014 ended up homeless lost my house and needed a car. My case was in litigation at the XXXX for more than 5 years and I just got a decision on XXXX XXXX but they still had not paid me as I was declared a federal whistle blower for reporting patient neglect. I was expecting a payout so I called Santander to request the payoff amount noting they are supposed to have programs for people with financial problems! I asked the rep to take off the late payments she then says I have good payment history and then turned around and retroactively posted the late payments that are posted late because of their system to my credit after the fact! Noting this only occurs AFTER I called to get the payoff so In addition to being a crooked loan Sharking company they decided to try and sabotage my credit only AFTER I called to get the pay off amount. 

I didnt pay off the car yet. But now I see just how calculated this loan sharking company is! 

Dont ever do business with Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: RI

Complaint narrative:
Email dated XX/XX/XXXX from Williams & Fudge , Inc. agent XXXX XXXX that I owe them a debt for {$18000.00}. The Original Creditor was XXXX XXXX. I have no contract with Williams & Fudge , Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ).

The communication between Williams & Fudge , Inc. and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974. If XXXX XXXX did not violate my rights under the Privacy Act, then how did Williams & Fudge , Inc get my private email information. I have attached correspondence that shows tender of payment ( RI Gen Law 6A-3-603 ) to XXXX XXXX was received via certified mail XXXX XXXX on XX/XX/XXXX. Even the amount stated by the Debt Collector XXXX Williams & Fudge XXXX Inc., doesnt match! 

Also, pursuant to 15 USC 1666d if there is a credit of account balance with surplus of over {$1.00} dollar in accordance to the journal and ledger entries described in IRS Pub 583, the amount balance should be credited and the remaining balance must be directed to the consumer. ( {$18000.00} ) the documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence which involves books of account in accordance with 15 USC 44 to resolve this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-11 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: TX

Complaint narrative:
When I reviewed my credit report, I noticed that there was information that was erroneous on my Transunion report so I reached out to them about this issue. They claim to have updated some of the information, which they did not and they never investigated the information that I actually disputed. They never validated the information and they failed to remove the items. They are violating my rights to an investigation and my right to have the erroneous information removed from my credit report. The FCRA says that I have the right to dispute it and they must remove anything that is inaccurate.

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 2023-05-11 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: MOHELA
State: MD

Complaint narrative:
On XX/XX/2023, MOHELA fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, MOHELA has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I took out a XXXX loan from empower on the XXXX of XX/XX/2023. I received check on the XXXX of XX/XX/2023. The check was place on hold due to it being confirmed fraudulent. This is not true. In talking to 3 dif agents over the phone for wells fargo and my XXXX providers, empower, I was told that check couldn't be verified over the phone between the 2 entities. I took out this loan to keep my vehicle from getting repossessed which wells fargo is the auto financing company as well. I received an email from wells fargo immediately after filing complaint about misdirected funds stating my account will now be closed due to fraudulent check. All of this is incorrect information and I feel wells fargo is intentionally misdirecting my funds. They have caused me a repo on my credit now, over XXXX XXXX dollars I can't access and a lot of pain and suffering. Not even mentioning the time I'm having to take off of work to try and fix wells fargos incompetence. I am truly upset and very disappointed that as bad as our economy is, a national bank can take retaliatory actions against me from filing a complaint and calling them out for THEIR fraudulent activities.

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 2023-05-11 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: FL

Complaint narrative:
this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account must be deleted pursuant these laws

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 2023-05-11 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: FL

Complaint narrative:
this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account must be deleted pursuant these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NJ

Complaint narrative:
Incorrect information reported in 2023. No information was 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 2023-05-11 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: OH

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
When we refinanced our mortgage. A man came to our home and talked to my husband about the mortgage. He was from Village Capitol, we previously had XXXX, I believe. He promised our rate would never go up. He gave us an interest rate of 2.25 or something like that. My husband passed away in 2019 and my interest rate has gone up the past 2 years. I tried calling them and they said our interest rate was only locked in for 3 years. I am a surviving spouse whose income has dramatically reduced since my husbands passing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: MO

Complaint narrative:
never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furning an account without my written instruction.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for and received two credit cards ( one for personal, one for business ) from United Airlines ( United Explorer card and United Business card ). I decided on these cards largely because each card offered two United Club one time passes. Recently, when flying United, I have tried try to use these one time passes only to be denied access. The Club in XXXX and in Washington ( two recent examples ) have a sign saying, " No One Time Passes at this time. '' Terms and conditions say that access is based on availability -- it does not say other members or that first class passengers will be given priority. I've been unable to use at least two of my passes and now they are expiring. The cards each cost {$95.00} per year. I feel deceived. United 's claim that card holder receive " Two United Club Passes '' is misleading and false. I called Chase and they referred me to United. I called United and they referred me to Chase. Chase then referred me back to United. No solution offered. I'd like my money back or other proper compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX I deposited a check of {$2900.00} to my Capitol One checking account online. I then got an email stating it was being processed. A few moments later I got an email saying it was successful and that the amount will be available in full on XX/XX/XXXX. Then on the same day, I received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' I was not made aware of the reason. The next day XX/XX/XXXX I called the bank in order to ask questions and was immediately sent to voicemail. I was not too worried about it as this was a small amount of money. I tried calling a couple more times only to receive the same response. Sent straight to voicemail. 

On XX/XX/XXXX the check was reversed without any notification I noticed this on XX/XX/XXXX and tried to call the bank still sent to voicemail due to my account status. 

XX/XX/XXXX I called the bank that morning after noticing my savings account was closed. I was not made aware of why. Then received a call saying they couldn't verify the check and that the bank was " no longer doing business with me. '' My accounts would be closed and my money will be coming in through a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I noticed significant drops in my credit score ( XXXX XXXX, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX to Capital One without my explicit consent. The account transfer resulted in autopay settings being reset, and two subscription charges ( XXXX and XXXX ) went unpaid. I contacted Capital One on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to Capital One 's credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. Capital One responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge Capital One to review all reported payment delinquencies during the transfer of accounts from XXXXXXXX XXXX to Capital One. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not get my Gap insurance back when I paid off the loan

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 2023-05-11 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: NY

Complaint narrative:
I was victim of identity theft as well as information over 8 years old is still showing on my report incorrect address incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam : I am writing to complain about the fact that Capital One is trying to charge a residual interest fee to my account after I was finally able to pay off the entire balance of {$3300.00} on XX/XX/. I made two payments in XXXX, one in the amount of {$110.00} on XX/XX/XXXX  and then a second payment on XX/XX/XXXX  in the amount of {$120.00}. This left me with a balance of {$3300.00} which I successfully paid off on XX/XX/XXXX giving me a {$0.00} balance. 
On XX/XX/XXXX, I received an email from Capital One notifying me that I am being charged {$62.00} for interest fees. When I contacted Customer Service, I was told by a supervisor that I am being charged a residual interest fee and can be charged a second residual interest fee next month as well, which makes absolutely no sense because the whole point of paying off a credit card bill is so you dont have to pay interest. I have always paid this bill on time as I was signed up for automatic payments to ensure that I wouldnt miss a payment and the fact that I made not one, but two payments in XXXX is absolutely ludicrous that now I'm being charged an residual interest fee. When does paying off a credit card stop?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief