vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I was trying to do a deferment on my loan with Santander and keep telling me no all i have wanted is to move XXXX missed payments to the end of the loan and was told i couldn't this is not fair to me. I'm working on trying to fix my credit and can't because they keep reporting im XXXX days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: Nelnet, Inc.
State: NC

Complaint narrative:
Around XX/XX/2022, I discovered that Nelnet is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with Nelnet transferred to XXXX in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. Nelnet is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with Nelnet was accurate. I then contacted Nelnet and explained what I was seeing on my dispute report. The Nelnet representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that Nelnet DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with Nelnet. The representative told me she could not send me anything like that through email. I then informed her that Nelnet did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from Nelnet stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from Nelnet. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this Nelnet inaccuracy. I have also reported this to my state 's Consumer Protection Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2022, I decided to open a Discover Bank XXXX Account online. Discover Bank was offering a special bonus of {$150.00} if the savings account was opened with {$15000.00} and held for at least 30 days. Near the 45 day mark, I contacted Discover Bank through their online message system. The customer service agent ( XXXX ) notified me that a promo code was not applied to the account to receive the bonus offer. At origination, Discover did not disclose a promo code. A promo code input field was not available during the application process. The savings account was opened using links on Discover Bank 's online offer site. 

Discover Bank Customer Service stated that they can not provide the bonus unless I provide the promo code for the offer that was on their website at origination. Discover Bank 's website for the savings account did not provide any promo code. I opened the account through the links provided by Discover Bank and abided by the terms of the bonus. I would like Discover Bank to credit my account the {$150.00} bonus and provide the adequate XXXX showing the bonus for 2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
I bought a used car and got loan fraud. 
On XX/XX/XXXX, I bought a used XXXX XXXX XXXX at a used car dealer called XXXX XXXX. The address of this dealership is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. The actual company name is : XXXX XXXX XXXX XXXX, Company Number : XXXX. 

The owner who bought the car was XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX. He agreed that the total price including tax would be US {$16000.00}. He persuaded me to lend me US {$10000.00} at the car dealership, and the loan fee was US {$1000.00}. The other {$6500.00} is composed of {$4300.00} in discounted old cars ( a XXXX XXXX was also bought at the XXXX XXXX in XXXX for {$4800.00} ), {$1700.00} in bank transfers, and {$500.00} in cash ). All the procedures of the loan were handled through the first-stop second-hand car dealer, who asked me for a California driver 's license XXXX a XXXX passport, a US visa, and a US bank address certificate XXXX On XX/XX/XXXX, I saw the email from the loan bank I received on XX/XX/XXXX. The loan bank is Lendbuzz. Through the translation software, I know that the principal of the loan given to me by the first car dealer is {$16000.00}, and the car price is {$21000.00}, which is different from the actual car price. Huge and the loan down payment stated is {$6000.00}. I contacted XXXX XXXX immediately on the same day, but did not give me a satisfactory answer. I rushed to the second-hand car dealer at the first stop on the XXXX, but I didn't get an answer about the car price. I found the loan bank Lendbuzz, on XX/XX/XXXX, the loan customer service XXXX ( XXXX ) XXXX gave me the answer that the car purchase contract with me was a car dealership located in XXXX, XXXX XXXX, Address : XXXX XXXX XXXX, XXXX, CA XXXX, Phone : ( XXXX ) XXXX. I haven't gone through this dealership since I bought this used car and I haven't been to XXXX. 

On XX/XX/XXXX, through verbal communication with the bank, I agreed that no repayment will be required for the time being. 

I disapprove of the {$5500.00} excess on the loan and can not afford it. I propose to return this second-hand car, terminate the total loan, and return my upfront payment of {$6000.00} ( XXXX XXXX has already refunded {$400.00} in cash on XX/XX/XXXX ). 

( All the above content is translated from XXXX by 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Illegal eviction. XXXX and bank of America account freeze

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 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I agreed for a solar company, XXXX XXXX XXXX XXXX XXXX, to install solar panels on my roof. XXXX put me in touch with Mosaic for the financing of the project in the amount of {$42000.00}. It took me until XX/XX/XXXX to finally get all of the panels installed. My electric provider ( XXXX ) notified me on XX/XX/XXXX that XXXX had not responded back to their requests for the interconnection. So I called XXXX on XX/XX/XXXX to inquire about this. They sent a person out to my house the next day to acquire some information which they said would be submitted to XXXX. Two weeks went by and XXXX contacted me again saying they had not heard anything. So I started trying to call every XXXX  phone number that I had and got no answers or callbacks. This was on XX/XX/XXXX. The next day I called XXXX and asked them what I needed to do to allow a connection to be made. They gave me a list of 3 things that needed to be submitted. So I gathered that information and emailed it to XXXX. On XX/XX/XXXX, a XXXX meter technician came to my house and installed a new electric meter which would measure power coming in from the solar panels. We threw the breaker switch for the panels and, unfortunately, nothing happened. In speaking with others about this company, they all have had the same experience. Panels installed that are not operational! I called another solar company and they were nice enough to advise me to cancel my loan financing agreement. I have had two payments already withdrawn from my account. So, I contacted Mosaic on XX/XX/XXXX and filed a complaint with them asking them to cancel our agreement. They sent me an email and said they would contact XXXX to get them to come to my house and finish the project. They also supplied a phone number for XXXX to me. I called the number for a solid week and never received an answer. I left messages but never have received any callbacks. I called Mosaic again on XX/XX/XXXX to check on the status and they said they were still awaiting a response from XXXX. I called Mosaic again today ( XX/XX/XXXX ) and they said they were still awaiting a response. I told them they would never get a response because this whole thing was a scam and I wanted this loan canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/2022 the email states : This is a notification that you won't be able to use your online service until you confirm your information. We've taken this step to ensure the security of your account. 

Simply click " Confirm Now '' button and you'll be taken to a Bank Of America online validation page. 
PRIVACY STATEMENT | UPDATE YOUR EMAIL Confirm Now We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2022 Bank Of America is federally insured by XXXX. All rights reserved. 

XXXX I had a checking account for almost a year with Bank of America in XXXX XXXX. It was a regular checking account with direct deposit setup. I closed the account after resigning from employment at the time. I did close the account in person at the XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States That was XXXX months ago. Without employment I have no income. The monthly fee for a checking account was {$12.00} XXXX. I have applied for XXXX & XXXX last year. I am awaiting a determination discussion. I had to close the checking account to avoid going into debt from the monthly charge. I do not have any income to have a bank account. The account should not be a active account. I will contact the branch office in person when I am able to confirm the account was closed. To have my information safe I consider reporting this appropriate. I did have my identity possibly stolen this year. I received a notice from the IRS.gov requiring me to confirm my identity with XXXX because of possible other IRS tax fillings for my SSN. I have confirmed my identity with the SSA.gov & IRS.gov & id.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 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost {>= $1,000,000} to a wire scam. A group of people impersonated XXXX and XXXX police, they reached out to me and claimed that my identity has been used to create several accounts ( that I am not aware of ) for money laundering and I was pressured to wire money to their accounts so that they can investigate. I fell into the trap because they provided very detailed information about me and my family ( to get my trust ) and they also stalked me ( to make me fear ). 

They pressured me to wire {>= $1,000,000} to Bank of America on XX/XX/XXXX and the suspect confirmed that they received them on the same day. 

I realized it was a fraud on XX/XX/XXXX and contacted XXXX ( victim bank ). They helped me initiated wire recall on XX/XX/XXXX and also created new accounts for me. They said the wire recall would take XXXX business days.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I was double charged at XXXX for {$180.00}, I returned the item I purchased to try to get my money back and they only returned one of the charges and the other charge was never returned. I contacted cash app and XXXX and at the time both were telling me there was nothing they could do. I disputed the charge and was denied, I continued to dispute the charge with cash app and was denied every time so I decided to call XXXX executive office and was finally notified that they had started a refund for my double charge on XX/XX/2022. I waited the 10 business days and still had not received my money back so I then called cash app again and they stated that they didnt have a pending refund coming to my account, so I called XXXX again to make sure they refunded the money when they said they did and the executive office confirmed they had. I requested the documents from which cash app used the determine my denied dispute and they merely sent me a purchase summary, with nothing more than the store name and the amount I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has unlawfully kept {$9500.00} of my money. The most recent attempt to resolve this matter was thru phone with Citibank 's Executive Office on XX/XX/XXXX. They confirmed my checking account had been closed on XX/XX/22 and the balance was {$0.00} at the time of closing. Citibank has been unable to provide an explanation as to the destination of the money or whether this amount is ever going to be repaid to me. 

I opened a checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 was {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank more than XXXX times and spoken to more than XXXX employees in their customer service and fraud departments, and executive office, visited their retail branch, spoken to one of their bankers and the manager at their branch.

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We had a loan with us bank on an apartment building in XXXX XXXX. 
There was only one of the partner on the loan at the time of purchase. 
We notified us bank that we would like to add the 2 more partner on the loan so instead of having one person they will have 3 partners on the loan docs. 
US Bank ask from all 3 partners lots of documents which we provided. 
the one partner whom his name was on the original loan, provided his tax returns and profit and lost as he was asked. He didn't send docs related to his business as he said I am already on the loan. How ever I discussed with us bank Representative who was handling the process XXXX XXXX XXXX who assured me that he has all the info needed .i would like to note that this loan was never even 1 day late. 
and the home has a huge equity. 2 weeks later we get a letter of default from us bank. 
Saying they are defaulting the loan and we need to pay it of with another bank. 
they increased the interest rate and will not give us a chance to provide the document needed .pay or we will foreclose the property. we had no choice but to get hard money loan with hi interest and points in order to pay off the building .I feel that they are treating us wrong and cause us to loose a lot of money with out the right reason .I would like to be compensated by the us bank

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 2022-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received my reinvestigation results back from Experian and XXXX. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.

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 2022-12-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I called XXXX XXXX for the past XXXX months trying to get a paper copy of my report because I was told when I try to get insurance that theyre reporting other peoples names at my address I continue to ask them not to do that to please remove it besides that I navigate the permission to give my information to anyone which they are doing. I try to get a report so that I can see everything they doing wrong. Ive called over XXXX times, they keep telling me theyre going to send that wait XXXX  days and it has not been sent as of yet I just called again and every time I call they make me stay on the phone like XXXX minutes asking me the same questions about my home address, my cell phone and my drivers license number then they tell me now that my license number is incorrect. I know my license number I have it in front of me so somethings happening. Im not sure what it is but I need help to resolve the situation. I need my report and paper form and I need them to not give out my information without my permission and when I get my report, I see all the incorrect information for them to fix it as well in a timely matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I called XXXX XXXX for the past XXXX months trying to get a paper copy of my report because I was told when I try to get insurance that theyre reporting other peoples names at my address I continue to ask them not to do that to please remove it besides that I navigate the permission to give my information to anyone which they are doing. I try to get a report so that I can see everything they doing wrong. Ive called over XXXX times, they keep telling me theyre going to send that wait XXXX days and it has not been sent as of yet I just called again and every time I call they make me stay on the phone like XXXX minutes asking me the same questions about my home address, my cell phone and my drivers license number then they tell me now that my license number is incorrect. I know my license number I have it in front of me so somethings happening. Im not sure what it is but I need help to resolve the situation. I need my report and paper form and I need them to not give out my information without my permission and when I get my report, I see all the incorrect information for them to fix it as well in a timely matter thank you.

Company response to consumer: Closed with explanation