vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
i received a deposit in my account that was an ACH transfer from a company called " Radiant Cash ''. Upon noticing the credit, I looked them up online and contacted my bank this morning. My bank requested I contact the company first to try to get it resolved, but was able to confirm the deposit was submitted in my name with my routing and account number attached. Following the conversation with my bank, I contacted Radiant Cash. When the first representative answered the phone, I only provided my first and last name, to which she immediately responded that she had my application in front of her, and asked me if I ever applied for any loans online because they purchase information. When I advised her I did not, not in the last several years, she transferred me to the fraud department. The fraud representative I spoke with identified himself as " XXXX '' and told me he was located in South Dakota. He tried to convince me I applied for it, asked me for last XXXX of my SSN, which I refused to provide because I 'm already going into this phone call knowing this is some kind of scam. He then states they can rescind the loan, but it would take up to 4 business days, and he could email me a copy of the confirmation, along with a packet that I can file fraud with. Immediately following that, he refused to verify the email or any of the information on file, just kept asking me to provide it. Then states the only way he will be able to provide this information is when I file fraud and submit it along with a copy of a police report. All while insuring they will be taking their {$500.00} back, nothing more and nothing less. I do not know what kind of company deposits money randomly into people 's accounts without any confirmation or requests from an individual, but I had a very unsatisfactory ( not to mention uneasy ) experience dealing with this company. As of yet I have not received this email " confirmation '' from him that he told me over an hour ago that I would have within 10 minutes. Please help and investigate this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for XXXX accounts they reported on my credit report. The company has failed to provide me validation of the account and merely sent me a total amount due with no proper itemization or no agreement between myself and the medical service provider and they have continued to reprot the account on my credit report and even verified it when I disputed it with the credit bureaus This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). H

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 2016-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
Our bank allowed XXXX to withdraw money from our checking account without our consent. Also the name on the XXXX account was different than ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander accepted a settlement after an auto accident. They also agreed to return an over payment of XXXX. Since then they have reneged on their agreement, and have started harassing my wife and me. They are claiming we owe them money, and they have placed negative reports on our credit. We have sent them several letters, including XXXX from our attorney, and they continue to ignore us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Benuck & Rainey, Inc.
State: VA

Complaint narrative:
called my cell phone with out consent, and did not give the whole foti message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I was a cosigner on an auto loan for my wife with Santander. We completed an online change of address with Santander on XXXX/XXXX/XXXX from our XXXX SC address to our XXXX SC address after relocating. My wife and I later separated. She contacted Santander in XXXX XXXX and requested a voluntary repossession on the vehicle after financially not being able to afford it. I was not made aware of this until reviewing my credit report. Santander never contacted me regarding this. They never advised me that this repossession was taking place. I was denied the opportunity, as a signer on the loan, to keep the vehicle and make good on the account. I contacted Santander in writing on XXXX/XXXX/XXXX advising them that my rights had been violated and that as a resolution, I requested my account be deleted with the credit reporting agencies and my financial responsibility be terminated. They responded in writing with a copy of a letter sent to my old address, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
They 're ripping people OFF!! 18 % interest total for car {$25000.00} and change. I will be paying {$41000.00} after 6 years. Did n't really know what I was doing, I wanted to get a car on my own and I got qualify through them but after I figure out everything, I realize they were ripping me off and it was already too late. These people have no common sense and something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I made a complaint on Santander Consumer USA on XXXX/XXXX/XXXX, based on the response to my complaint Santander is showing to be negligent in verifying the accuracy of my credit report as indicated in my compliant on XXXX/XXXX/XXXX which is a violation of the responsibility as ta credit reporting furnisher per the Appendix A to Furnisher Rule part XXXX and the FCRA 623. Santander has failed to investigate the complaint made and sent a response stating that they provide accurate information to the credit bureaus and denied my request for deletion based on inaccuracies. Based on my finding the violations assessed are as followed. 
1. There are different dates being reported as to when this account was closed. A complaint was made XXXX/XXXX/XXXX on XXXX stating that the account is reflecting open and this was failed be fixed until XXXX/XXXX/XXXX when I submitted the last complaint and reports that the account was closed in XXXX rather than XXXX which is false reporting. 
2. Derogatory information reported after settlement payment was made on account reflecting derogatory on XXXX and XXXX and settlement was received XXXX/XXXX/XXXX based on the attached settlement offer agreed upon that I will be released of any further obligation to Santander. 
3.The date of first delinquency is not reporting which alters how long negative reporting will be reported on my credit report. 

Based on Santanders response to my XXXX/XXXX/XXXX complaint they stated they lasted updated XXXX/XXXX/XXXX which further proves their refusal to investigate the accuracy of my credit reports and failure to comply with federal and state laws in maintaining accuracy and integrity of my reports which I also enclosed for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I had started the loan process with Amerisave after XXXX could not accept us trying to buy a stateside house while living and working overseas. We had gone through all the motions and was told that we would have to claim the house as a XXXX home which was not an issue. All documentation had been submitted and underwriting is being completely difficult. My wife and I are residents of Ohio. I enlisted in the XXXX XXXX in XXXX XXXX. I got out in XXXX XXXX. I currently work for XXXX out in XXXX, XXXX and my wife is a XXXX. Her job covers the housing and technically we do not pay rent out of pocket. I 'm not sure what is so hard to understand about that. That 's not the real issue though. It came about that the underwriter can not accept my Ohio address as a real address. I do NOT understand why, I lived there for 10+ years even before going into the military. They ca n't give me a clear explanation as to why they will not accept it. I have claimed Ohio State taxes for multiple years at the same address. It is frustrating that I 've paid the appraisal fee and not I 'm hanging on a limb wondering why an address can not be accepted to start closing the loan. Upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied. 
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back. 
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July. 
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On or around XXXX XXXX, XXXX I received an alert ( XXXX ) from XXXX in the form of account change. Log on to each bureau and notice it was multiple late payments appearing that was n't the prior to XXXX XXXX in which I only had XXXX 30 day late from SantanderXX/XX/XXXX. Previous I had XXXX 30 day late payments of XXXX and XXXX, which I had received XXXX 2 month deferrments XX/XX/XXXX and XX/XX/XXXX XXXX. I disputed the XXXX XXXX late and it was removed, later I disputed the XXXX late payment in XXXX of XXXX and received a late for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of disputed a XXXX of XXXX. I do have documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for a card issued by American Express on XXXX/XXXX/15 and is what the AMERICAN EXPRESS BUSINESS PLATINUM CARD. I received a letter in the mail stating that the application was cancelled, every card card application I apply for with this creditor ends up being canceled not declined because I have excellent credit and they know it. They also single me out for every application in asking for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: CA

Complaint narrative:
I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. 

In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. 

Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? 

I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. 

Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. 

I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for Midland Funding ( A subsidiary of Encore Financial Group ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: NY

Complaint narrative:
Ltd financial is calling my place of employment and repeatedly leaving messages for me to return their calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sent me a copy of another person 's driver 's license complete with their name, address, date of birth, signature and license number. When I called them to tell them they tried to tell me that I was mailed a scam letter and it was not from them. It was clearly from them since I accessed it directly through their " secure '' site. I called multiple times to resolve this issue and they hung up on me or put me on hold and never came back. I cancelled my card to hopefully protect my identity however I am not sure where / who has my personal information. They would not offer any assistance to solve the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I applied online to open a bank account and I failed questions in public domain about things that have nothing to do with me. I called HSCB Bank and they did nothing to resolve the issue. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
in XX/XX/XXXX I ordered my credit reports from the XXXX bureaus. from these reports I learned that there was an account in collections against me from HSBC bank. I contacted HSBC bank on the number listed on my credit report and was informed that this was a credit card debt. they explained to me that the credit card was opened in or around XX/XX/XXXX. at that time I explained to HSBC that I never had an account with them nor did I ever open a credit card from HSBC bank. They informed me that they would send my information and I would be contacted by their fraud department. after a period of time this did not happen I contacted HSBC again and was once again told that the fraud department would contact me. on XX/XX/XXXX I looked up the fraud department number and call them directly. I explained to a representative name XXXX my situation how I have never opened an HSBC Bank credit card and this was the result of identity theft. I explained to him that I had placed a fraud alert on all XXXX of my credit bureau reports.I explained to XXXX that I wanted this negative information removed from my credit report immediately that it was in fact a fraudulent account. XXXX explain to me that he could do nothing about it unless I filed a police report or contacted the Consumer Financial Protection Bureau. I contacted my local sheriff 's office about filing a police report however the local sheriff 's office said because of the age of the account it would not be worth investigating as most likely they could do nothing about it so a police report was not deemed necessary by them. I was informed by the sheriff 's office that it was not my right to have a report taken by them and that it was up to them to deem it necessary. I am now writing the Consumer Financial Protection Bureau to remove this fraudulent account from my credit report that was placed there by HSBC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On the XXXX contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This account donot belong to me at all and i would this removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have been sued by Midland Funding LLC and am currently making payments of XXXX for credit card debt. I feel that this is one of Midland 's robo-signed lawsuits and a default judgement was granted because I was under great duress at the time this was filed taking care of XXXX parents and did not understand the judicial process or have the means to fight it. Many many times I was contacted by the " Internal Legal Dept '' I have contacted Midland several times via email as to why I am not getting a monthly billing statement for this payment. I continue to pay XXXX each month but feel as though this falls under the CFPB XX/XX/2015 ruling against Midland. I was also initially told NOT to respond to the lawsuit once I had made payment arrangements after I was served - I was scared and stupid

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
midland credit management # XXXX has been calling our home for months now XXXX times daily also on sat. and sun.. the caller id gives on name other than toll free. this is very upsetting getting constant calls when we have very ill family members. They never say who or what they want. We have no debt owed to anyone so whoever they want must have given our phone # at some point. We feel this is invasion of our privacy and mental harassment

Company response to consumer: Closed with non-monetary relief