vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX we entered into a purchase agreement for a home. The home was a short sale with 3 lenders involved. 

The 3 lenders are XXXX ( the main lender ), XXXX XXXX ( junior lender ) and Santander ( junior lender ). 

We sold our house in good faith and moved into a hotel on XX/XX/XXXX because we were told the short sale for our purchased home would be closing soon. XXXX, which is the senior lender, has been cooperative, as well as, XXXX XXXX One, one of the junior lenders, throughout the entire process. Santander Bank, however, has been giving us a difficult time, missing deadlines, dragging the process out, resulting in the expiration of approvals given by the other two lenders. 

The law firm which started in XX/XX/XXXX the short sale process for the homeowners has already dropped the case as two of their workers experienced issues with Santander Bank from the beginning. 

Due to Santander Banks failure to act in good faith over the past nine months, we have been living in a hotel since XX/XX/XXXX. All of this occurring during the pandemic, with no resolution nor any end in sight from Santander Bank. Other than duplicative follow-ups, the only response we have received from Santander Bank is we're reviewing it. 
As noted, the failure of Santander Bank to provide timely responses, has caused original approvals to expire, requiring us to restart the entire process. We were told by Santander that a decision would of been reached on XX/XX/XXXX, then XX/XX/XXXX, and the dates have just been moving and changing ever since. Santander Bank is not following any banking and or government guidelines, which results in this process continuing with no end in sight. 

We are without a home during a pandemic. This is causing grave emotional stress and duress to me and my wife. It is interfering with our life and our wellbeing. The actions of Santander Bank make me feel targeted. They have failed to show any good faith and fair dealing during this entire process. Our negotiator has been calling everyday with no positive outcome. The other two lenders have resolved their part of the process in a matter of weeks, while Santander Bank has been stretching this out without any willingness to cooperate.

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 2020-12-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent 3 separate letters each to Equifax, XXXX and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
received repetitive calls from company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has yet to issue me a credit balance check or put money back on my account. It's been one and half month already! {$30.00} is the money invloved.

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 monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like Equifax to sell my information to lenders I dont want to deal with?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
My wife has been incapacitated by a ruptured brain aneurysm and I have paid off her Capital One credit cards, of which she had three. As I am now her guardian per a recent court decision, I have sent all necessary paperwork to Capital One. 

They continue to refuse to close the accounts on the grounds that they do not have her signature. My wife is unable to sign any paperwork. This is a change from Capital Ones original position that they needed the court paperwork listing me as guardian, which I provided. 

They continue to charge monthly rates on cards I have spent four months trying to cancel, I need this resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: NC

Complaint narrative:
I have sent 3 separate letters each to XXXX, XXXX and TransUnion on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-12-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent 3 separate letters each to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
I moved to my new home in XX/XX/2018 and we had XXXX XXXX installed into our home. From day one, the equipment was not working because it was installed incorrectly since we have a smart home and the technician did not connect to the server properly. We called XXXX  and scheduled for a technician to come out 3 different times and they never showed up. After paying about 1.5 years for a service that we were never able to use from day one, and paying about XXXX dollars each and every month, we had them send a box to return the equipment. 

Recently I saw that a collection agency for XXXX XXXX reported on my credit report a collection for about XXXX dollars that was due which brought my credit down over 100 points, right at the time we are in the process of buying a home, and this killed us from being able to qualify for the loan now. 

I contacted XXXX last week and made a complaint and they said they would have someone from the back office look at this and try to fix the problem. I told them the equipment was returned and that I should not have to pay any extra charges for services that I never was able to enjoy. 

Well, today they told me that the equipment was credited and they would update it with the collection company but that XXXX is still outstanding for breaking a 2 year contract. I told them the equipment was never working and 3 times we had an appointment for someone to come out and they never showed up, so if anyone broke the contract, it was them, but yet I continued to pay for 1.5 years. 

This was reported to XXXX XXXX andXX/XX/XXXX. I filed a dispute with both and XXXX  took it off, but XX/XX/XXXX did not. 

I really need to have this off of my credit report as this company is charging for something they never installed properly, and now it is causing me not to get my dream home for their failure to property fix my issue. 

Please have this taken off of my XX/XX/XXXX credit report so that I can finally get my home. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
My account from the University of XXXX XXXX ( the original creditor ) was sent to GLA by mistake on XX/XX/2020. I contacted the original creditor and they took the debt back from GLA on XX/XX/2020. GLA never contacted me about the debt, gave me the chance to dispute, or made any attempts to collect, however in XX/XX/2020 they reported three collections accounts to my credit report in the amounts of {$62.00}, {$95.00}, and {$47.00}. I contacted the original creditor and they confirmed that they did, in fact, take the debt back in XXXX. However, GLA refuses to admit that the debt was taken back and they will not remove it from my credit report. I even contacted GLA on XX/XX/2020, during which call the representative admitted to me that they did not own the debt, yet insisted that they would not remove it from my credit unless the original creditor contacted them again because " they did not have any record of the debt being taken back. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services placed a debt on my report erroneously. I had an account with XXXX XXXX for renter 's insurance that started in XX/XX/2020 in should have ended bin XXXX. After the Covid 19 guidelines were lifted the company charged me for coverage I didn't know I had. I received notice about the debt on XX/XX/2020 regarding the debt and plans to report it to the credit bureaus if not paid. I then called them and settled the debt on XXXX the XXXX. After paying the debt before ten business days of being notified about it the company placed it on my credit report. I contacted the company and the supervisor stated that since me and the agent hadn't discussed anything about the debt going on my credit report he can't do anything about it. The original amount was {$170.00} and I settled it for half of that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have been disputing inquires on my credit report with Equifax for the past 7+ months. I've submitted 1 complaint in XXXX and it ended up closed. All I received from Equifax was my current credit report. Nothing more and no help. This company by far has been the hardest company to get help with as a consumer. I had spoke with a gentleman by the name of XXXX in XXXX with Equifax and was told to file a complaint through the CFPB. When I called XX/XX/XXXX, I spoke with XXXX. I was told that I needed to file a police report, which I've spoke with the XXXXPD numerous times and was told that they were unable to file a report. I explained that to him as well as my previous complaint. XXXX then told me that in my previous CFPB report i never included that companies and dates. Once I submit he told told me that they would be removed. XXXX  XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Auto XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX # XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. Thank you for your help in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello. I need help getting an accurate figure from Capital One for payments on my auto loan please. I financed a XXXX XXXX XXXX on XX/XX/XXXX2019 for {$17000.00}. The main reason for my complaint is that after investigating my accounts I found that my personal checking account, capitalone.com, and my pdf/paper statements from Capital One all total different paid sums to Capital One. I only have one account with Capital One, my auto loan. I made a spreadsheet comparing the accounts side by side and downloaded all my pdf statements. My personal checking shows that I have paid {$5700.00} to Capital One Auto Loan. On Capital One 's website, and in my paper transactions, there are two different total paid sums : {$4000.00} and {$5000.00}. I am unable to resolve these discrepancies on my own, and other consumer reviews I found on a XXXX  search commented that Capital One damaged their credit scores after they contacted them trying to resolve similar discrepancies. I am past due on this auto loan at the moment and I am unable to follow the path of my past due amount in my accounts with Capital One too. After reviewing the paper work from my auto loan, I believe that the XXXX Dealer in XXXX, CA charged me for a car I traded in instead of applying the value to my loan. The dealer tried to sell me a second car over the phone last XXXX XXXX XXXX XXXX. They helped me get the loan financed through Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: AZ

Complaint narrative:
I sent a dispute against XXXX  which is using fraudulent documentation. Experian obviously does not take disputes seriously as they did not look at the documentation or did not even require XXXX  to submit documentation. The documents I received from XXXX clearly shows in the right margin that it was created on XX/XX/08 long after the loan. Also an electronic signature was used. If you look at the document itself there is clearly not enough information to obtain an electronic signature. The documents appear to have been done on a computer with signature typed in. Under law the documents have too meet strict criteria in their information and the how the electronic signature is done. The electronic consent must accompany the documents to validate the signature or the documents are invalid. Bottom line I did not sign the promissory note and the fraud note has the interest changed to more than triple. The documents themselves are incomplete. XXXX is being sued by California and New York. Tens of thousands if not hundreds of thousands of borrowers are being defrauded by XXXX so why would Experian just take their word. CFPB does not have oversite over XXXX but does over the credit bureaus. So the CFPB should make the credit bureaus triple check anything from XXXX and make them submit legal documentation.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MO

Complaint narrative:
My minor child received an unsolicited Netspend Prepaid Mastercard in the mail.

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 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: AZ

Complaint narrative:
They say they are calling from Omnipoint Management, but the caller id has shown XXXX XXXX and XXXX XXXX XXXX. I have asked them to stop calling and to stop calling my work. They have refused. They have also threatened legal action. 

The numbers they have called from are XXXX, XXXX, XXXX. They have called twice today XX/XX/XXXX. They called twice on XX/XX/XXXX. 

I've asked them to provide me with proof that I owe the debt. They have produced nothing to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation