vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchase a vehicle at XXXX from XXXX XXXX, California around XX/XX/2015 and got a loan through Santander Consumer USA for approximately {$14000.00}. 

I have been making payment of {$390.00} ( sometimes a bit more ) since XX/XX/2015 to date. The issue is I have not really seen a difference in the balance of my loan, which is currently at approximately {$11000.00}. 

I know there have been times when I fell behind on payments and I have requested extensions throughout the six years that I have been paying for the vehicle, but I feel that for the amount of time I have been making payment I should still see a significant drop in the balance and I do not see that. 

I reached out to Santander Consumer USA a while ago to see if I could refinance the loan to reduce my interest rate which is at 26 % and I was told they do not do that. 

Recently I reached out to Santander again asking them to look into my loan being that I don't see a difference in the balance. The representative when over the loan history with me and explained that because I have fallen behind in payment and have requested several extensions most of my payments have been applied towards interest. 

I explained to him that I have been paying {$400.00} for the last six years, which equals to approximately {$24000.00}. How can I pay such a large amount of interest towards a {$14000.00} loan, even if I have fallen behind in payments this can not be. Of this {$24000.00} only about {$3000.00} have been credited towards the principal. 

I don't know what my options are at this point and would like some help in resolving this issue, and I can not afford an attorney to look into this matter. 

I just feel at this point my loan balance should be considerably low considering the length of time I have been paying. 

Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: TN

Complaint narrative:
I submitted a consumer credit application with lending club bank and was denied. when they sent me the adverse action notice it stated they could not approve me based on things on my consumer report. I called the company and let them know they were violating my consumer rights pursuant to adverse action & Equal credit opportunity act by discriminating against my character and creditworthiness. I also made them aware that they didn't have the right to deny me credit because I'm the one who extended them credit with my credit card. pursuant to 15 USC 1602 Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. pursuant to 15 USC 1602 credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. i used my credit card ( SSN ) to incur a debt for personal use. also when I spoke with the supervisor on the phone he was admitting to discriminating, pursuant to 15 USC 1691e they are civil liable for failure to comply under the equal credit opportunity act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are two XXXX XXXX XXXX fraudulent opened accounts reporting by Experian credit bureau. I submitted valid police report at XXXX XXXX police department and FTC identity theft report sent to Experian to block/remove this two fraudulent accounts from my credit report under CA Civil Code Section 1785.16 which states : " when consumer submits valid police report or a valid investigative report, the consumer credit reporting agency shall promptly and permanently block reporting any information that consumer alleges appear on his or her credit report as a result of identity theft ''. I contacted Experian and their representatives based on the documents and the statement that I made keep rejecting my documents. Please resolve this issue on my behalf by removing two XXXX  XXXX XXXX fraudulent accounts from Experian credit report.

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 2021-09-16 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: NY

Complaint narrative:
Transunion lowered my score due to balance decrease of {$11.00} and change of Account number was change pertaining using services with XXXX XXXX  by 17 points. This circumstances shouldn't decrease my score but increase my score just as it did with XXXX by increasing my credit score by 32 points. The account number change was due to XXXX XXXX updating their application software on XXXX XXXX and had nothing to do with theft or simply replacing the account. Transunion is wrongfully giving me a lower score when Im simply making on time payments.

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 2021-09-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from Welsfargo and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from Welfargo Bank and they are not doing it.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I am currently in the process of purchasing a home. On Saturday, XX/XX/XXXX, XXXX XXXX withdrew {$7000.00} from my HSBC XXXX Checking Account ( last XXXX XXXX ) for the deposit on my new home. On Monday, XX/XX/XXXX, I wrote a check to myself from my XXXX XXXX XXXX XXXX Checking Account ( last four XXXX ) for {$9000.00} to deposit into my HSBC XXXX Checking Account ( last four XXXX ) to replace the funds that were withdrawn for my home deposit and to cover any upcoming expenses that I may have in the home process. On Tuesday, XX/XX/XXXX, I attempted to log in to my HSBC XXXX Checking Account ( last four XXXX ) through my mobile phone. I was denied access as the page stated " Account Suspended. '' I contacted HSBC fraud services, and I was told that the check that I wrote to myself for flagged for fraud. I was then told that until my bank verified the funds that I would not have access to my HSBC XXXX Checking Account ( last four XXXX ). I offered to three way the bank. That was denied. I offered to send in proof of funds. That was, also, denied. I then placed a stop payment on the check as I did not want those funds to go into my HSBC XXXX Checking Account ( last four XXXX ) and become frozen. On XX/XX/XXXX, I called HSBC fraud services and told them that I have stopped payment on the check and what verification do I need to have my HSBC XXXX Checking Account ( last four XXXX ) unfrozen. I was told that there is nothing that I can do to prove that the funds are and were in my account on the day that I attempted the mobile deposit for {$9000.00}. On XX/XX/XXXX, I called into XXXXSBC fraud services because I was unable to stop my payroll direct deposit from being submitted into my HSBC XXXX Checking Account ( last four XXXX ). I asked what I would be able to do to access my verifiable payroll direct deposit, I was told that I could go to a local branch -- of which there are none within a XXXX mile radius of home -- and they may let me access my funds. HSBC refuses my access to verified funds that are not fraudulent and from a Fortune 150 corporation because their computer system found it odd that I would be conducting financial transactions from my HSBC XXXX Checking Account ( last four XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NJ

Complaint narrative:
I noticed a few accounts and inquiries on my report I do not recognize

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 2021-09-16 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: NJ

Complaint narrative:
I noticed a few accounts and inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This is a 2nd mortgage on my home that was with Ocwen mortgage co. and it was sold to PHH mortgage in 2019. I have been paying this mortgage with auto payments through my bank, but the last 5 payments have been returned. When I contacted PHH, I was told that the account has been foreclosed and the representative did not know why. I was told to contact PHH by mail because there was no one that I could speak with. I am contacting you to find out the next step.

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 2021-09-16 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received letter from Wells Fargo stating I made deposit. I have never used this card when I called they ask for social security number in which I would not give was told I was being transferred. Phone disconnected

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.

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 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 via certified mail. The debt collector failed to respond to the requests for validation and continues to contact me. 

Attached is Debt validation and response after validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
I have sent Experian dispute letter and in XX/XX/2021 with no action and proper investigation has taken place, They have failed to provide how if they even did an investigation. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/2021 and still no response.

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 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
I disputed a charge to my debit card in the amount of {$520.00} on XX/XX/2021 because the company did not follow through on their end to provide the service that was promised. I contacted my bank and the filed the complaint as Fraud ( I did not ask them to do this ). I am now told by my bank that the fraud department denied my claim and are refusing to reverse the charge. They are also telling me now that the fraud department has denied my claim, they will not consider my dispute. 

I want to get my money back and my bank is refusing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My XXXX XXXX account has been reporting inaccurately and the credit reporting bureaus are using all kinds of unethical tactics to tank my score. This account has been marked as a bankruptcy account with no balance, closed with a balance, closed without a balance, reported with late payments, reported with 444 months, etc. This is a direct violation of the FCRA.

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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/XXXX I was served a summons from Midland Credit Management regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to Midland Credit Management on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ). 

This is my second cease and desist letter to Midland Credit Management. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: CBC Companies, Inc.
State: IL

Complaint narrative:
INNOVIS HAS RECIEVED MANY MAIL CERTIFIED DISPUTE LETTERS FROM ME. 
THEY HAVE ACCOUNT # XXXX LISTED AS A XXXX BANKRUPTCY DISMISSED, I CLOSED ACCOUNT # XXXX. I NEVERED FILED BANKRUPTCY, THEY HAVE A MIX FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: DE

Complaint narrative:
PLEASE SEE THE ATTACHED AFFIANT AFFIDAVIT IN AFFIRMATION OF FACTS. I HAVE ALSO ATTACHED MY LICENSE AND SS CARD FRONT AND BACK SO TRANSUNION KNOWS THAT I AM THEIR CUSTOMER, THE CONSUMER SUBMITTING THIS COMPLAINT. 

Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAAF NOTICE ( Affiant Affidavit in Affirmation of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition. I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiants ownership, of affiants responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, foreverly demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned!

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 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While we were in bankruptcy, our mortgage company " overcharged '' us for escrow amounts for seven months even after they had information which said otherwise. We did not pay and requested we handle our own escrow. The company never responded within the seven months but " recorded '' the non-payment as " delinquent payments ''. At the end of the seven months, the mortgage company reduced the escrow payments down to where they should have been and we begin to pay the correct amount but they never reconciled the " excess escrow '' amount with the recorded " delinquent payments ''. They went before the bankruptcy court asking for a " motion of relief from the automatic stay '' so that they could " foreclose '' on the property. We presented to the court our payments for the period in question and copies of their records which showed the payments being received. This resulted in an agreement to settle the matter outside the court, but the mortgage company never did that. Instead, they transferred servicing to another company who proceeded to threaten foreclosure, record " late payments '' and four months pass due payments. We have spent six years now trying to get the mortgage company and the servicing company to acknowledge what happened and how to move to resolve. 
The result has been we have had to pay thousands of dollars above and beyond the cost for resolving the issue and to this day, the servicing company and mortgage company refuse to finalize a solution which we feel would be fair to us and correct what we feel is the " false '' information being reported to the three credit bureaus. 
The lack of resolution has cost us considerable amounts of money in increased cost for other loans and services in addition to increased mortgage loan costs in continuing in a 5.375 % loan in a market where loans are offered as low as 1.9 %.

Company response to consumer: Closed with explanation