vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX. My loan was provided by Santander USA the payment was for XXXX interest rate of 23.6. The original amount of the loan was just under {$19000.00} which included the required warranty and GAP insurance. 

I learned that the maximum interest rate allow in Virginia is 15 % for loans with a principal balance over {$1400.00}. I have made roughly 40 payments totaling {$19000.00} give or take and my payoff is over {$20000.00}. I was able to pull a report which showed me that every payment aside of {$500.00} to {$600.00} went to interest. 

VA law stipulates that payments are to be substantially equal between interest and principal it also states that 60 months is the allowable time frame for loans and mine is for 81. 

Ive paid half of my loan by making 40 payments yet nothing has gone to the principal. I also learned that they started charging me late fees even before my first payment was do and continued adding the late fees. 

On XX/XX/XXXX I contacted Santander and let them know that I was unable to afford the loan and I was voluntarily surrendering the vehicle on the same day I turned in the vehicle tags and canceled insurance. The vehicle was then picked up around XXXX XXXX  on XX/XX/XXXX.  On XX/XX/XXXX I received a phone call looking to receive XX/XX/XXXX payment. As of XX/XX/XXXX I had my account up to date. I didnt have a past due balance aside of all the fees they kept tacking on which I was ensured I would not incur fees if I paid it on the back end. 

On XX/XX/XXXX I called and requested all the information regarding my account to include loan agreement, history, fees, payments and notes associated with my account. I also verified with the agent that my interest rate is 23.6 % well over the legal limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX   i never heard of them or have I done any business with them.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX/XXXX i never heard of them or have I done any business with them.

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 2018-05-03 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: NY

Complaint narrative:
I just received and updated credit report from XXXX and transunion. I am submitting this complaint because XXXX is still reporting XXXX XXXX/XXXX on my credit report. I received a confirmation letter from XXXX that this account was fraudulent and they are advising all 3 credit reporting agencys to remove this account off my reports. It is still reporting I am also complaining about teachers federal credit union that was deleted off my transunion credit report but is still reporting on XXXX. I have been dealing with this issue for months now as this negative information that dont belong on there is affecting my credit score. XXXX I feel does not do complete investigations because if they did they would have received the same response as transunion did to delete off my 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 2018-05-03 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union continuous to report account to XXXX  with wrong account numbers also account was included in BK still showing balance owed and past dues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: CA

Complaint narrative:
EQUIFAX will not investigate unauthorized inquiries on my report Equifax stated that they will not investigate inquiries due to it is not their problem according to FCRA anything wrong with consumer credit report must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX continuous to report account to EQUIFAX with wrong account numbers also account was included in BK still showing balance owed and past dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CONDOR CAPITAL CORP
State: VA

Complaint narrative:
In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The lender at the time was Condor Capital who was later shut down by a court in N.Y. for fraud. I had full gap insurance included in the bill of sale which covered loss of employment. Roughly six month after purchase, I lost my job and couldn't afford my monthly installments and the vehicle was repossessed. At this point the debt was relieved by the gap insurance and I no longer assumed the burden of the loan. I then moved abroad to XXXX and lived there for the next six years. During that time, apparently I was taken to court via XXXX XXXX and never received the warrant for debt as I was living abroad prior and during that being issued. I filed a complaint with the credit reporting agency that this collection was invalid and they removed it from my credit file. Seven years later in XXXX, XXXX XXXX XXXX wrongfully placed a lien on all bank accounts and withdrew about {$380.00} from my bank account prior to the most recent court hearing. Six months passed after speaking me and XXXX is still trying to pursue this invalid debt upon stating to him that I had full gap insurance that covered the vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/XXXX Wells Fargo made a loan with my wife and I in the amount of {$680000.00} - the loan was a predatory loan as well as a non-principal interest only loan. After several request and with legal assistance - I was able to get a loan modification. However I receive a Step - Rate Loan Modification. This type of loan is designed for the borrower to fail. Because the interest rate continues to adjust and the principal never reduces allowing the borrower to create equity in the home. The step rate mortgage is primarily targeted toward XXXX XXXX  Borrowers. I eventually sued Wells Fargo Home Mortgage for violation of the Homeowners Bill of Rights on or around XX/XX/XXXX. And we settled. 

The settlement agreement included the reentry of the loan modification process and review. I had until XX/XX/XXXX to get all requested documents into Wells Fargo. All documents for review was submitted and received on XX/XX/XXXX. On XX/XX/XXXX - a Trustee Sales Date was posted on my home and primary residence. The Notice of Trustee Sale was delivered to my Neighbor. And I believe this was done deliberately to embarrass me and my family. Also I did not receive a Certified Copy that requires a Signature to receive the Notice of Trustee Sale. This is a violation of the Home Owners Bill of Rights. Wells Fargo Violated the Stipulated Agreement made from the lawsuit Settlement - to allow me to seek mortgage assistance by submitting a RMA Package and my financials to be review for mortgage assistance. Instead they decided to move forward with the process to foreclosure on my primary residence - by egregious over zealously attempting to embarrass me and my family.

Wells Fargo is a Predatory Lending and Banking Institution. And their predatory lending practices hurt XXXX XXXX the most. Why? Because - XXXX XXXX are targeted the most toward Predatory Lending and Red Lining. 

I am a XXXX XXXX  Service Connected XXXX Veteran - Branch of Service ( XXXX ). And I did not ask nor did I deserve to receive a loan that is designed for the borrower to fail. Wells Fargo Step Rate Mortgage Loan Modification is a Predatory Loan. And, Wells Fargo Home Mortgage - XXXX XXXX - Customers receive Predatory Loans the most.

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 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX sinceXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX failed to take themselves off of title with the DMV when they received a payoff on the vessel of {$26000.00} for my XX/XX/1999XXXX XXXX when Bank of America purxhased the installmemt loan from XXXX XXXX. See attachment document as to the specifics of the damage that was caused by this oversight.

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 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX since XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to XXXX or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, XXXX begins to send me stressful threatening letters demanding payment or I will suffer legal action. XXXX also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on XXXX 's 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 2018-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We initially filed a complaint with the Consumer Finance Protection Bureau on XX/XX/XXXX regarding our disaster modification to which we received a response from XXXX XXXX XXXX on XX/XX/XXXX informing us that the late fees assessed were removed and future late fees would not be assessed. Additionally, we were told that the forbearance would continue through the end of XX/XX/XXXX at which time the disaster loan modification would be processed and that an application would not be required. 
The dealing with Freedom on this disaster modification has gone from a comedy of errors to negligence and incompetency to gross negligence. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX from Freedom Mortgage informing us that as a result of RESPA and the 60-day rule that Freedom would report our account as delinquent onXX/XX/XXXX. I  immediately telephoned Freedom and after not getting a resolution, I asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks and the reporting would not be an issue. 
In reviewing our credit report, Freedom reported to the various credit agencies as the mortgage as being delinquent on XX/XX/XXXX ; a violation of RESPA requirement stated in their XX/XX/XXXX letter. 
Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 
I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one, we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 
Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification. As a result of Freedoms gross negligence, this negative reporting is now causing issues professionally. In addition to this complaint I am also filing a complaint with the Florida Office of Financial Regulation.

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 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been using Citi online banking for my credit card since XX/XX/XXXX. Starting from XX/XX/XXXX I was not able to login to my online banking account any more. So I called Citi customer service on XX/XX/XXXX, hoping to figure out what's happen because I did not change my password. 
However the representatives were a nightmare. They kept transferring me to the next representative for 13 times without giving me any resolutions at all. Also my calls have been dropped 3 times. I've been on the phone for 2.5 hours and haven't gotten any useful information from Citi.

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Today ( XX/XX/2018 ) I called chase bank in regards to mine and my husbands joint account. Our debit cards were declining and my husband was not able to access his bank information through his phone. They informed me that our account had been restricted and that they decided to end their relationship with my husband. No reason given, in fact we were told they did not need/have to disclose that information. Were supposed to call them back tomorrow when the banks are open so they can approve or not approve the branch to release our funds to us. My husband is in the military and this is not our idea of customer/military care!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Trying to import my card data into the XXXX app. Capitalone is not allowing this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was asked by Chase bank to give my SSN, as part of the Chase process for a credit card application for a Business. I communicated to Chase bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at Chase, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

Chase despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by chase and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' chase is reporting as PERSONAL. Chase is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with Chase card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where chase was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising chase, I do not want to be called on my Cell, and I live in California Chase continue to call me. This is unlawfull, as I have withdrawn all consent for Chase to call me on a personal cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Used Atm for a withdrawal of {$400.00} ( 4 ) {$100.00} currency Bill 's but received ( 2 ) {$100.00} currency bills and ( 2 ) {$5.00} currency bills. Held up to camera and went straight into the bank to recover correct amount. They have me a temporary credit of {$190.00} but 2 weeks later took it back.

Company response to consumer: Closed with monetary relief