vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I asked Santander to validate this fraudulent loan. They responded with my name, address, and contract that I am disputing as well. I have attached the response here. Per 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) Santander has not supplied. Furthermore, I disputed this account with an affidavit. Santander 's response was not an affidavit. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. See Croup v Finletter, 108 F. Santander has violated numerous 15 USC 1692 codes. They go by multiple names which is misleading.15 USC 1692e ( 2 ) ( A ) Also, all debts in contract are shown in the positive, which is very confusing. I have learned that the security interest that they speak of has already been paid for by me the consumer as the original creditor 15 USC 1601. They have violated 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail. All of their mail has a logo on it, outside of the name and mailing address. 15 USC 1692h no payments made to the debt collector may be applied to any debt which is disputed by the consumer, and shall apply such payment in accordance with the consumer 's direction. I have asked Santander to pay me by check for the multiple violations, and payments made that I have disputed. Furthermore, they have violated 15 USC 1692j by furnishing their name on all documents as the original creditor. Including on my credit reports.

The affidavit of Truth was unrefuted so it stands as truth. Please remove this account from all credit bureaus and pay the invoice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021, I went to a BOA ATM at around XXXX XXXX  to make a deposit of {$2900.00} to an ATM, ATM ID XXXX. The ATM took the full amount but provided an error message. The cash was never returned to me. My husband and I intentionally stayed and waived at the camera to make sure the camera captured us. 
I called BOA but couldn't get anyone, so I called again the next day ( XX/XX/XXXX ). BOA submitted a claim for me, claim # XXXX. They gave me conditional credit while investigating the claim On XX/XX/2021, they sent a letter saying " we're unable to approve your recent claim ''. Reason was : " the charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. '' And then, it said " the credit ( s ) for {$2900.00} that was applied to your account will be removed on XX/XX/2021 '' THREE THINGS : 1. The reason BOA gave has nothing to do with my claim of missing cash deposit.

2. There was no documents attached with the letter sent to me. - That means they did not use any document to come to this conclusion.

3. There should be at least 2 evidence to support our claim - 1 is the camera for that ATM. 2 is the cash reconciliation. How can BOA miss both evidence and deny the claim? That's ridiculous.

The way BOA handles this case is crazy. NO clear reason ( see # 1 ) and NO clear documents to substantiate the decision. This is considered stealing.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In an email trail that I have attached that began on XXXX XXXX, XXXX, I asked XXXX for a forbearance and mortgage modification. I been affected by XXXX and had not been able to return to work because I was diagnosed with an autoimmune XXXX and XXXX in XXXX of XXXX. 

In my complaint filed on XX/XX/XXXX XXXX XXXX XXXX, I provided the completed mortgage assistance application and all the required documents. But, Shellpoint was refusing to acknowledge the completed application until I filed a complaint with CFPB.

Shellpoint provided what appears to have been a streamlined modification, which the payment was hirer than the income on the XXXX assistance application. I contacted Shellpoint and informed them that I could pay the {$1000.00} because of the American Rescue Plan as I had started to receive unemployment. But, I expressed concern that after unemployment ended, which is ending early here in Texas, I would have difficulty paying it. I am having a difficult time obtaining a job due to my ongoing medical condition. 

I paid the first trial payment of {$1000.00} in XXXX of XXXX for XX/XX/XXXX. 

Then, on the statement due in XXXX of XXXX, Shellpoint indicated that I was in a trial modification and stated the payment was {$990.00}. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX my Shellpoint designated representative ) if the {$990.00} was correct. I paid the {$990.00}. 

On XX/XX/XXXX, XXXX XXXX said he would have to ask his supervisors and never did give me a response on the correct trial payment amount. 

So, for the third and final trial payment in XXXX, I wrote a check # XXXX for the {$1000.00} plus and additional XXXX. XXXX to make up for the XXXX trial payment since XXXX never responded. 

Now, Shellpoint is trying to act as if they did not receive the final payment and I have not completed a trial modification. 

I have attached the statements which are incorrect. My escrow account is not negative {$3200.00}. Shellpoint overcharged me so much on my escrow account that even without me making all the payments in XXXX, the account had enough money to pay the taxes and insurance. 

The amount of past due payments is incorrect because Shellpoint did not apply all my payments before the modification, is holding trial payments.

Plus, Shellpoint is charging unearned fees for Property inspection disbursement and late fees for partial payments and I was in a modification.

Plus, Shellpoint took {$270.00} that XXXX advanced to Ditech on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$4900.00}, {$4500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX = XXXX XXXX XXXX I received a letter in XX/XX/XXXX that the debt collector XXXX XXXX XXXX, that has bought a debt from Fifth Third Bank, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by Fifth Third Bank without any written notification or phone calls. I previously verified the debt was owned by XXXX XXXX XXXX by mail. I did not receive any documentation by Fifth Third about the debt. 

My local Fifth Third branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from XXXX verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with XXXX. Based on the FCRA laws and how I only received documentation about this debt. Fifth Third Bank sold the debt to XXXX without notifying me. When XXXX notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

Fifth Third Bank would have had to repurchase the debt. Fifth Thirds banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from XXXX in XX/XX/XXXX. I need for Fifth Third Bank to explain when the debt for {$450.00} to their bank was repurchased by their bank. XXXX needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have send numerous of letters to this company and have not gotten any response.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
XXXX, XXXX, and payments ... 

I have sent payment after payment to the XXXX XXXX XXXX time after time for them to keep sending the payment back to me because they claim a payment was returned for insufficient funds ( which is not the case ). Nevertheless, they have sent each payment back to me for no reason and now I am getting nervous because they are making me behind I have the funds, but they will not apply it to my mortgage ... which is making me think they want me to lose my house. I have sent cashiers checks and money orders and they keep sending those back to me as well ... I have the proof. What is there for me to do??? Any help is greatly appreciated. 

One of the customer service reps stated they were not in the business of returning payments ... I said ... '' you could have fooled 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 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Their system treats me horrible their fraud prevention its not fair it says Im a highe risk without even checking my credit and I cant get anything approved this way it wont even see if I qualify but they day itd normal so I cant have an account why cant they process and help manually or fix the problem they have with me Its not fair it doesnt even check mt credir it just says the samethinf high risk app when Im Not Thank you for applying for a BP credit card. You will receive a decision on your application by mail within 7-10 days. If you have provided us with a valid email address, you may receive a response by email within 3-4 days. 
Return Your request reference number is : 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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare , LLC did not take care in handling my insurance premium. 

Around XX/XX/21, I received a copy of my homeowner 's premium and annual renewal bill from XXXX. I immediately uploaded a copy for LoanCare using their online portal. It took them a while to get the new premium reflected. The premium was due on XX/XX/21. As we approached the month of XXXX, I called LoanCare to inquire on when they would pay my premium. They assured me they would pay at least 3 weeks prior to the due date. In this case, three weeks prior is XX/XX/21. On XX/XX/21, I called LoanCare to inquire why my premium still had not been paid. According to the online portal, they had no issued a payment to XXXX from my escrow. The lady on the call also confirmed that. At that point, I demanded she issue a check. She agreed. My online portal account reflected a payment for {$1800.00}. Unfortunately, I waited about 2-3 weeks and XXXX had not received the payment. On XX/XX/21, my premium remained unpaid. XXXX said I either need to make payment on my own or face cancellation of my policy. In this case, I had to make my own payment as LoanCare was unable to pay the bill. On XX/XX/21, I call LoanCare to inquire on what happened to my payment. They pretty much explained to me " you happen to fall through the cracks and are an extremely rare exception ''. So they admitted they were guilty for not paying. I was pretty frustrated, so XXXX ( insurance supervisor ) said I could drop my escrow account if I would rather I make timely payments. I filled out the online form per his advice. I submitted the online escrow cancellation form on XX/XX/21. Never received any updates via email. So I called on XX/XX/21 to inquire. They said it was being processed and a decision would be rendered on XX/XX/21. On XX/XX/21, LoanCare made no attempt to call or email me. I called them on that date and the customer service reps along with the supervisor said " they can not tell me what happened '' but a letter is being mailed via XXXX. Agent tried to spin it as the letter would be there in 2-3 days. Letter arrived on XX/XX/21. Letter stated that escrow account would be closed on XX/XX/21. As of XX/XX/21, escrow account remains still open with a balance. I called LoanCare on XX/XX/21 and they said they may start the processing on XX/XX/21, which contradicts the letter sent. In summary, a ) LoanCare does not make timely escrow payments and maintain accurate records of insurance payees b ) LoanCare fails to communicate status of a ticket opened via the online forms c ) LoanCare does not process requests on dates promised.

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 2021-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo fraudulently withdrawn amount from Home equity line of credit. They are able to hide this fraudulent act by not sending monthly statement during transaction period or hide that transaction completely from monthly statement. I believe that they are successfully managed and hide this fraudulent act for the following reasons : Reason 1 : They force home owners to give bank authorization to withdraw payments directly from bank. 
Reason 2 : Being a variable interest loan, consumers do not suspect if there is any increase in withdrawn amount. 
Reason 3 : There are transactions happened in the amount of more than XXXX and I do not remember seeing any transactions in the amount of more than XXXX. 
Reason 4 : Usually consumers do not check their statement regularly if it is an online statements. 
Reason 5 : They never reported to account holder or verified with Account holder if there are unusually high transactional amount. They never reported even though account never had any other transaction other than regular payments. 
Reason 6 : I also suspect that they may not have reported to IRS or federal government about these large transactions ( i.e greater than {$10000.00} as well one in more than {$50000.00} ) Reason 7 : During my conversation with Wells Fargo agents, they said that they have records up to seven years only and they wont be having any transaction details older than seven years. But I got transactions report copy from their Mortgage refinance agent that are more than 12years old transaction history that are available with them. 
Reason 8 : Wells Fargo withdrawn amount exactly to the maximum credit line and there is no overdraft happened at all Reason 9 : I filled a criminal case in my Local Town, Wells Fargo never responded to Citation issued by XXXX Judge Reason 10 : Their conversational tone during Initial contact vs after checking transaction internally changed completely. 
Reason 11 : They increased my home equity line of credit with out my knowledge Important Note : I received a letter stating that there is a settlement between Wells Fargo and Consumer Financial Protection Bureau. I called the number that they provided. I confirmed with the third party agent that issue was not resolved by Wells Fargo. They connected me with Wells Fargo and again they are not resolving the fraudulently withdrawn amount, but they are assigning from department to another. Finally, they said that all their agents are gone for day and will call back next day. It is more than three business days and I am still waiting and more over none of them want to share their ids.

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 2021-06-29 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:
I recently was in the hospital and missed a payment to XXXX. When the next bill arrived I saw I had been charged a {$40.00} late fee. I realized I had missed the payment and because the fee was so high, I paid the entire amount owed on the credit card.. The current months bill arrived and it said I owed {$48.00}. I was shocked because I had paid the card off the month before so I called Comenity Bank which handles XXXX store charge. They charged me another {$40.00} late fee, and a {$2.00} service fee because they said I had not paid {$13.00} from the month before. I had paid the entire amount the month before because I did not want to do business with them any longer after receiving a {$40.00} late fee. I have paid the entire bill again and have requested that the account be closed. I was curious to see if this had happened to anyone else and to my surprise, found there are numerous complaints against Comenity for holding payments until after the due date. Is there any way this can be investigated? I am tired of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a mortgage with Suntrust. It originated with BB & T, but is now serviced by Suntrust ( Truist ). Originally, my wife and I were co-borrowers. Several years ago, my wife and I divorced. She relinquished all ownership rights to me in the divorce and now the title/deed is in my name exclusively. Earlier this year, my former wife filed bankruptcy and included this mortgage. I continued to pay the mortgage just as I always had. I called Suntrust 's bankruptcy department on three occasions as the bankruptcy was in process. On all three occasions, the representatives told me to simply continue making the payments and once my ex-wife 's bankruptcy was discharged, Suntrust would remove her name from the account if I would call and request it. The bankruptcy was discharged in XXXX. In late XXXX, I called to make this request. The bankruptcy department told me that a different department would have to make that change. They transferred me to the " appropriate '' department. The representative in that department first told me that it was impossible to remove her name from the account. After arguing with me about it for 10 minutes, he finally told me that I must refinance or assume the loan. He transferred me to someone else that could explain the assumption process to me. This third person went on to tell me yet again that the only way Suntrust would remove my ex-wife 's name from the account is through a refinance or an assumption. She recommended that I do an assumption, but I would have to pay closing costs. At that point I stopped her and reminded her that with my ex-wife 's bankruptcy being discharged, it is now impossible for Suntrust to attempt to collect from her. So in essence, I had already assumed the loan and I was not going to pay to have the name of a " collection-proof '' individual removed from the account. And moreover, there is no " closing '' to be done since the title/deed is 100 % in my name now. The representative went on to say that Suntrust would not proceed without me paying these closing costs. 

This is in direct contradiction to what all three of the representatives working in the bankruptcy department told me, and in direct conflict with logic and reason. 

Also, the way they are reporting this debt on my credit report recently has lowered my credit score materially in spite of the fact that the bankruptcy has nothing to do with me and absolutely no payments have been late. 

I want Suntrust to do what I was told they would do and remove my ex-wife 's name from this account. I also want Suntrust to change the way they are reporting this account to the credit bureau ( s ) to return my score to what it was prior to Suntrust taking over this loan from BB & T.

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