vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me I would make my payments to Santander under the same terms of my original contract through Gateway One. 
On XX/XX/XXXX, I filed a complaint with CFPB ( Complaint ID XXXX ) due to a significant payment discrepancy as well as correspondence issues after several phone calls and letters between myself and Santander Consumer USA. The conclusion of that complaint led to the notification that Santander would be releasing the truck title to me " free and clear ''. I was also informed the payments ( totaling {$3100.00} ) I made during and after the loan was sold ( XX/XX/XXXX-XX/XX/XXXX ) to Santander Consumer USA should not have been collected due to my bankruptcy filing in XXXX and an " error '' between Gateway One lending XXXX XXXX and Santander Consumer USA. I was first informed the title was being released in XX/XX/XXXX, to be received in 30-60 days. I called back on XX/XX/XXXX to verify what I was told earlier in the month and it was verified. I called back on XX/XX/XXXX to check the status of the title and was told it was still being processed. I called again on XX/XX/XXXX and was told they are still waiting for the title office to approve the release of the title and I should wait until after the 1st of the year. I received the title on XX/XX/XXXX but I received no response on the payments I requested refund for since the payments I made should not have been collected per the Santander Consumer USA representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Back in XX/XX/2020 I had my debit card information stolen and had money taken out of it. I called Chase bank to file claims for fraud, but they sent back the money in my account that was used and is now trying to get me to settle a {$2000.00} debt for a reason I am unsure of. All I wanted was for my money to be returned to me, which it already has, and for the account to be closed. But now I owe a debt that shouldnt be owed to me. I called Chase Bank collective services but they didnt give me a proper explanation to why I owe the money and they said I owed the money because my claims were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an excellent credit score and plenty of available credit from numerous sources. 
Earlier this month I applied for a Macy 's credit account in order to take advantage of a promotional discount on a purchase ( sofa with a {$1700.00} cost ). 
The application was denied by Department Stores National Bank. Here is the explanation that they provided : " Unfortunately, after careful consideration, we are unable to approve your request for a new account. Our decision is based on information we received from one of our Citi affiliates that your relationship with Citi has been reviewed and we can no longer service accounts for you '' By way of background, I am in litigation against Citigroup and XXXX XXXX XXXX XXXXXXXX on a wrongful termination matter. 
This retaliatory action is clearly illegal under Regulation B, as is not germane to my credit standing. In fact I still have accounts with other Citi affiliates. 
Furthermore I am a senior citizen of XXXX origin. If this is not disparate treatment, then I don't know what is. 
I did in fact buy the sofa paying with another card without any issues.

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 2021-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I paid off my car loan XX/XX/2020. In XXXX of 2020 I called to ask where my title was. They said it was an electronic title and I had to contact the DMV. I contacted the DMV and they said it was with PNC bank still. I called PNC bank again in XXXX and they said they sent me a payoff letter. I explained that I never received the letter and they needed to resend it. I received the letter later that month stating I was paid in full and the title woudl be released. I assumed I was all set until I went to sell my car yesterday and was unable to since the still held a lien on the title. Numerous calls and hours on hold with PNC has still not resolved this issue. I need them to release this title asap and they are unwilling to do that. As of today I can not get any firm commitment that I will ever get my Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The information for name ( XXXX XXXX ) is incorrect/invalid please remove.

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
1. Credit collection service. XXXX XXXX XXXX XXXX MA. XXXX. This company for which it states is XXXX XXXX from XX/XX/XXXX. I never had that company back then I had XXXX XXXX. Tried to reach this company many times to no avail. Disputed item with credit bureaus at least 4 times but it still on my credit report. I want this off my credit report as it is hurting my score. With covid-19 going on these companies hurt you instead of helping. Please help by getting this account removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I file Chapter XXXX bankruptcy on XX/XX/XXXX. My Citi Card L.L. Bean credit card was also iIn my bankruptcy petition. Last month I got an email for my statement. I called them to tell them to stop emailing me I file Chapter XXXX I am in the chapter XXXX clause. I got an email yesterday morning at XXXX with my statement. I told them I am file Chapter XXXX bankruptcy do not contact me that theyre not supposed to contact me. Theyre violating the chapter XXXX laws and they need to be held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I submitted a notarized request to XXXX  Credit Bureau to verify and validate negative items. The 30-day window allotted by law to investigate was never honored and even after many attempts have still been ignored. I have asked to have these items deleted but to no avail. I am asking the CFPB to enforce the law as stated in the fair credit reporting act. 

The negatives are : CHRYSLER CAPITAL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
Re : Case Number XXXX The referenced case was filed concerning the late posting of my payment to the credit card account with First Progress Card. The initial payment of {$40.00} was made through my bill payment service with XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card account with First Progress on XX/XX/XXXX, which resulted a late fee of {$11.00}. Subsequently, I made the late payment fee on XX/XX/XXXX via XXXX  XXXX XXXX which posted on XX/XX/XXXX to account with First Progress. I don't understand why it only took one to post the {$11.00} and it took several days to post the {$40.00} payment. Both payments were processed via bill payment service with XXXX  XXXX XXXX. Yet, Mr. XXXX XXXX, Vice President with First Progress Card, for lack of properly researching the issue, indicted in his letter dated XX/XX/XXXX that they have not received the payment mentioned in my complaint. I have done the proper research because this is a financial that matters to me and my family while managing through a pandemic. I included supporting documentation to substantiate my statements. Also, the payment for the balance of the account with First Progress card was posted on XX/XX/XXXX. It really disturbs me that I am penalized {$11.00} for timely payment and total disregard to this was demonstrated by First Progress during a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MI

Complaint narrative:
In the month of XX/XX/XXXX my credit score dropped by 94 points due to a medical collection that was filed on my credit report. I identified Americollect as the debt collection company who listed the collection. I contacted the company on XX/XX/XXXX to report that I had never received any notice of the collection nor any invoicing. I was informed by Americollect that the company had never sent any invoicing for an alleged amount of {$1700.00} on behalf of XXXX XXXX because they thought I had an attorney. I do not have an attorney but I had filed a state administrative complaint against the creditor to investigate improper/fraudulent billing practices. Subsequently, all the alleged recent medical debts were dismissed. I did not recognize the date of service given by americollect and since rmp services dismissed all collection activities I believe that the americollect debt is either unauthorized or billed erroneously. I have asked americollect to establish validity of the service date by sending me a copy of my drivers license and HIPPA consent to treat contract signed by the alleged creditor. I have not been provided this information to substantiate the claim. I believe it is unfair that I had not been given proper notice of this alleged debt and I have suffered financially because of this. I maintain " very good credit '' and I would have attempted to settle this debt if it was a valid debt I owed. Now it's too late to handle this account in a satisfactory manner to avoid harm to my credit because the company chose not to send me any notice the alleged debt was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
I closed on my house and was apparently issued an escrow refund check from Freedom Mortgage. I never received the check. It wasnt until XXXX of 2020 that I received a letter from Freedom Mortgage stating that I had 180 days to cash said check or the check would not be negotiable. I contacted Freedom Mortgage and explained that I did not receive anything. I was told that the check would be cancelled and a new one issued. Almost a month later I called again and I was told that the check is in the mail but the postal service has been backed up. Im starting to feel like they are stalling and just gon na wait this out until XXXX and not pay me my money back.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered furniture from XXXX XXXX XXXX and used my Citi Bank Brand source credit card to pay for it, but I never received the furniture I ordered, and despite having evidence of XXXX the finance manager trying to extort money from me and intentionally defrauding me during this transaction, Brand source and Citi bank refuse to help me. I have filed complaints with both and they both say because I filed one week after the 60 days of the charge being filed they refuse to help and dispute the claim! They have refused t make a corona virus exception! 

XXXX XXXX XXXX  unethically used the corona virus as a delay tactic to prevent me from filing the dispute within 60 days since they knew all they had to do was fraudulent claim the custom order was still being built! I want someone to investigate this because I have found other victims of this scam by asking the maker of the couch if this couch was indeed delayed or if XXXX XXXX XXXX intentionally lied and committed fraud! During this state of emergency Brand Source and Citi Bank have been implicit in XXXX XXXX XXXX abusing the coronavirus pandemic by not giving its customers the same protections it uses to deceive its consumers with! This is not okay, especially during a federal state of emergency! 

XXXX XXXX XXXX is not registered with the state of california, they are under a umbrella corporation called XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, California 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 2021-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
I applied over the phone for a short term loan in XXXX for {$700.00}, and more recently in XX/XX/XXXX for {$500.00} with the stated agreement that I would be able to pay it off incrementally with the agreed upon minimum payments being toward the principal, with the company to be owed the remainder as interest due within the payment period up to when the principal was paid. 

after a period of 6 months, wherein I was still receiving notices for payments owed and automatic withdrawals from my bank account. I found this odd because six months should be more than enough with the payments I had been seen being deducted to cover both the principal, As well as any interest. 

I contacted them only to be directed to an outsourced call center, who was only able to send me limited details for the loan, which that showed I had somehow put my digital signature on a loan agreement that instead stated I had agreed to a loan with an over 800 % annual interest rate wherein that the minimum payments were to cover the financing, and that I would need to manually submit ADDITIONAL payments to count towards the loan principal. This was/is in direct contravention of what I had agreed upon over the phone with the agent who submitted the loan. 

It is currently six months since the loan was issued, and I have paid into the loan for the full amount of the principal, and nearly an additional 100 % of the loan principal in financing fees and interest. 

I also discovered that unbeknownst to me, The previously completed loan term the year prior where the principal was {$700.00} and with the previously agreed upon terms, I had ended paid over {$2100.00} over several months without realizing. 

The company has refused to acknowledge my attempts to correct this issue and address their fraudulent and predatory conduct. They have undermined my financial security over a significant period of time, and have compromised my ability to even keep food on my table. 

The loan terms are purposefully obfuscated, and the information provided by their loan agents is/was outright falsified. I have been offered no recourse for this, aside from " buyer beware ''. Had they been forthright about the true loan terms, I would not have agreed. Instead, they took advantage of someone with limited information resources and with an extremely limited time frame of action, and lured them into an agreement under false pretenses.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I went to Conn 's XXXX in XX/XX/2020 dealt with XXXX salesman ; he didnt explain terms come to find out that the item was sold as a " lease purchase '' without my knowledge The company IS NOT licensed in Arizona at all They take money from your account hoping you will end up with a huge debt ; non disclosure ; never knew who signed agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: AL

Complaint narrative:
These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.

Company response to consumer: Closed with explanation