vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My husband and I knew this was a simple loan with a high interest rate when we signed the contract. What we didn't know, is that we would be paying such unexplained, extensive fees that don't allow us to get ahead and payoff this loan. According, to our math, we estimate a balance of roughly {$5000.00} not {$13000.00}. We have had some health hardships and we have stayed in contact with Santander through this. The worst has been this last year when I was diagnosed with pericarditis, which resulted in a pericardial effussion ( my cardiologist believes from Covid, due to the timing and symptoms ). Unfortunately, I had to be out of work and again I was in contact with Santander, but apparently they continued to charge outrageous extra fees. 
XX/XX/XXXX - I spoke with XXXX in regard to a payoff amount. My husband and I figured we would be close since we had just paid off our truck for {$18000.00} that we had bought XX/XX/XXXX. XXXX informed me that we still have a payoff of {$13000.00}. He informed me of the extra fees, but was unable to specify exactly for what. I had asked for a detailed payment statement and have yet to receive it. XXXX was very kind and informed me of the Santander settlement and that is what is bringing me here. 
XX/XX/XXXX - My husband and I spoke with a Santander employee who was not so kind and very difficult to work with and once again, he also was unable to specify the exact reason and amounts of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MI

Complaint narrative:
On XX/XX/2021 there was an inquiry that appeared on my TransUnion credit report that I did not initiate. The company name on the report was XXXX XXXX. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.

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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my TransUnion Report I have unauthorized inquiries besides XXXX  XXXX and XXXX  XXXX XXXX and XXXX XXXX I do not authorize

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 2021-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

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 2021-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/XXXXI applied for PSLF to Fedloan Servicing after making 122 payments under a qualifying employer. After calling Fedloan a few days later to check on any progress, I was told that I needed to use a PSLF help tool application to " speed up the process '' from the FSA/Dept of Ed website. On XX/XX/XXXX, I submitted the help tool application to Fedloan Servicing. On XX/XX/XXXX I received notification from Fedloan servicing that I had qualified 120 payments under a qualified employer for Public Service Loan Forgiveness, and had received the " trophies '' and congratulations for making 120 payments.

According to a Fedloan servicing representative, my loans are supposed to be at the final stage of approval with FSA/DOE. 
On XX/XX/XXXX, I contacted a Representative named XXXX at FSA/DOE through their online chat, who then transferred me to StudentAide.gov to check on the progress of my PSLF. In this chat the Representative " L '' ( they did not identify themself with a name or ID #, just " L '' ) told me that the " the approval process is done thru Fed Loans '', and " Fed Loans works internally with the Dept of Education, we can't see this process ''.

After this information, I contacted a Fedloan Chat Representative ( XXXX XXXX who stated that both Fedloan and FSA/DOE " both complete one and set no time frame due to the complexity ''.

My complaint is : I am not being given clear information from either my servicer or the FSA/Dept. of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp

Complaint narrative:
The company is purposefully practicing illegally in order to charge as many extra payments as possible. 
I reached out in the fall of XXXX bc I was having trouble making payments. 
The rep told me I could go on a payment plan, NOT to make a payment now, that the past due amount would be tacked onto the end of my loan ( I have the screenshots ). 
This didn't happen. A few months later, my account was marked as late, every month as I continued to pay, and I was told that the payment in the fall was late. I showed another rep the screenshot proving that I had been told not to make a payment, and he refused to help me. 
I made a payment on XX/XX/XXXX, the payments are due on the XXXX. Now I am being told my XXXX payment is late. The rep confirmed this was a mistake. but he didn't know how to fix it, no one could call me back, and I " better make time to call in. '' So they repeatedly make mistakes they refuse to fix, but I have to spend my worktime and money calling ( I am in another country, its min {$50.00} each call ). SO if they insist on this, they will have to credit my account for each call. This XXXX, they know how to use email. In fact ALL of the XXXX banks I do business with have managers that email me, XXXX, XXXX. So really this is an excuse. 

Also, when I reached out a few weeks ago, I was told I'd get a call back. The call back never came, nor did an email. But it just so happens that now Im out of the grace period. Which seems like the company does this on purpose. : Contact us if you are having problems but we will waste your time leaving you waiting to make sure you accrue late fees. '' The rep I spoke with today accidentally told me the last rep marked in the notes while we were talking that no one would call me, but you can see on my messages he told me they would. I have all of this in screenshots. 
Also when I called in before the loan was late, the rep wouldn't talk to me about the upcoming payment. He kept going back to the late payment in XXXX or XXXX XXXX it wasnt really late BTW and all of the sudden they fixed it and decided a new month is late ). But the point is, he used the error the company made as a way to change the conversation and refuse to help me. This company is breaking the law. 

Lastly, I signed up for a Covid relief program through Lending Club, there was no mention of this extending the life of my loan for a year. And now, mysteriously, my loan is a year longer, and one can explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Prior to moving out of an apartment the office demanded that all payments be made to settle the account while making the monthly payment. I PAID more for the last month of the lease than I did any other month while living at that complex. After moving out of apartment complex I was charged for fees totalling almost XXXX dollars. Innitially I contacted several team members regarding this error. Explaining that all fees were settled while making monthly payment as demanded. The office refused to accept the rent check unless these fees were included with the final monthly payment. 10 days after move out i recieved a phone call from the office stating they had not recieved the rent. Explained that I had moved out please check your records and maintenance logs proving move out inspection completed. Two months later recieved phone calls stating balance remained. Each time someone said they would look into the charges, nothing was done. When directly asked to explain the charges, no one could definitively explain how the charges were assessed after move out. I have multiple emails detailing inquiries and non follow up from the office staff. 

Further this was a joint lease with a roommate. I am being assessed 100 % of the cost not 50 % through a collection agency. Upon inquiring with roommate he is also being assessed for 100 % of cost not 50 % through the same collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Since XX/XX/XXXX, I reached out to the My Fed Loan program to find out what the latest information is on my Public Service Loan Forgiveness Program number of payments made to date. I reached out to My Fed Loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I uploaded new documents as they requested to show the Government Employer information. From XX/XX/XXXX to XX/XX/XXXX, I worked for the same employer, the City and County of XXXX XXXX, with the same FED EIN. My Fed Loan has processed 60 of the payments with the last update in XX/XX/XXXX, but I am seeking an update for the years XXXX and XXXX. As My Fed Loan requested, I submitted my W-2 's for XXXX and XXXX to show that I worked for the City and County of XXXX XXXX. I checked off the box that for this most recent period of XXXX and XXXX, I was unable to have the employer sign for the period XX/XX/XXXX to XX/XX/XXXX, but I was told that W-2s for XXXX and XXXX would be acceptable proof. Given how difficult it is to complete the Public Service Loan Forgiveness Program, I would like assistance from the CFPB please for streamlining this process and providing me with a current update on my status in the program. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, OnXX/XX/XXXX at around XXXX EDT, I received a call from Citibank asking me to verify a recent debit card transaction. I denied the transaction, but moments later wire transfers were being sent from my account. I called the bank immediately to notify them that these were fraudulent activities and to stop whomever was draining my account. They were courteous, respectful and professional at all times and once they verified me they were helpful in trying to understand and deal with the problem. It has been nearly 24 hours and i have not received any notification from the bank as to the details as to what happened and whether or not I will regain my access to my account, disposition of funds, and details as to what happened. Thank you. 

regards, 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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Nelnet is reporting to XXXX  that I made 5 late payments ( bright bold red print ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with NELNET and XXXX  with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact NELNET and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when NELNET bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

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 2021-05-19 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: MD

Complaint narrative:
I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
My Identity was stolen by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX or " XXXX  '' in XXXX. This is the subject of the property located at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. ( Two Counterfeit XXXX  Mortgages were REGISTERED in the XXXX  Database on the property address which is the subject of both SEC XXXX and XXXX XXXX XXXX Claim # XXXX. ) Additionally, I have recently been sued by Debt Collector, Attorney XXXX XXXX ( XXXX ). After he filed suit against me for a XXXX XXXX XXXX XXXX, XXXX sent me a " XXXX Early Warning Letter ' notifying me of " suspicious activity '' on my closed account ending in XXXX. After speaking with XXXX at XXXX XXXX Department ( XXXX - reference # XXXX ) and verifying that the account was CLOSED, she said that she did not have any information in regard to the account. I called again on XX/XX/XXXX and spoke with both XXXX and XXXX who both told me that they could not give me any information as they needed to verify my identity by text. Neither of them sent me a text. I request to know exactly what the " suspicious activity '' was on my account.

Company response to consumer: Closed with explanation