vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC
State: CT

Complaint narrative:
Recovery Solutions Group sent me an email and written letter threatening to identify, through their own investigation, my personal assets including bank accounts, mortgage lenders , county, state and federal authorities, and tax authorities. They have threatened this without giving me 30 days to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO HOME MORTGAGE XXXX XXXX XXXX XXXX XXXX, IAXXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate

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 2020-02-18 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: OH

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}

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 2020-02-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I  immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}

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 non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have separated from my partner and am planning to take ownership of our home, buying out his interest in the property. I contacted my lender, Santander Bank, who said that my mortgage type isn't eligible for assumption ( it's a conventional loan ) because it's a " portfolio '' loan. They said it has nothing to do with either of the borrowers on the note.

However, my federal loan disclosure provided at the time of closing indicates that my loan is, in fact, an assumable loan. There is clearly a discrepancy here. If the loan has never been an assumable loan, then Santander falsely disclosed that my loan was eligible for assumption.

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 2020-02-18 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: AR

Complaint narrative:
I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$150.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America still refuses to give me the cash rewards that it admits I earned. The sum is {$240.00}. I made a trip to its branch in XXXX, New Jersey and two trips to its branch in XXXX, New Jersey. The Bank of America marketed to me that the rewards program was " easy '', that redemption of cash earned would be " easy ''. Nothing of the kind! 

All I get are words and promises from the bank employees but no cash rewards! 

The cash rewards should have been immediately given to me. It is now nearly seven ( 7 ) days later and still no cash rewards given to me that now total {$240.00}! 

Is it that the Bank of America is so greedy for money that it refuses to turn over to me my cash rewards of {$240.00}! 

My fear is that the Bank of America shall because of my complaint to you close my accounts. That would be a most serious matter-an obstruction of justice and interference with government! Both are felonies!

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 monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank should refund me {$610.00}, CFPB should apply any of the Lousy Laws to punish USBank and it's Crooked officers, if Justice applies for Corporations in Corrupted America.

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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I have a mortgage loan through a company name Ameris Bank, since I start this loan I always gets an amount of monthly payments of XXXX $ ( I been paying this amount since the beginning of the loan ), the first week of XX/XX/XXXX the bank notify me that my monthly payments will jump to XXXX . At the moment I called the bank the only explanation I received was : you are short on the escrow because the county taxes increased from {$690.00} on XXXX to {$3800.00} on XXXX. When I explain that I understand the shortage but I found an extra {$99.00} over the new mortgage statement, they start to give me complicates explanations and my only two solutions is pay the new monthly amount or pay the projected low point of {$5100.00} to come back to the former balance. Now if the Principal and Interest is lock on {$1000.00} monthly, the Hazard Ins is {$840.00} ( {$70.00} monthly ), the Tax is {$3800.00} ( {$320.00} monthly ) and the unpaid Tax amount for  XXXX is {$3800.00} " less the amount I already paid for XXXX Tax of {$690.00} '' the Tax deficit for XXXX is {$3100.00} ( {$260.00} monthly ) and the Required Reserve Balance is {$780.00} ( {$65.00} monthly ) the total is {$1700.00} per month, resulting in a different of {$99.00} per month a total of XXXX per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX  account through Comenity Bank on credit bureaus states XXXX account is open with a credit limit of {$500.00}. I did not receive documentation from XXXX indicating the account was closed. On the retailers website the account was listed and open to XXXX financing. On XX/XX/18 I called XXXX to follow up on a complaint I had in the ability to place a order. It was confirmed last week that the account was open. mgr XXXX XXXX called Comenity Bank spoke to a agent and then connected myself, himself and the Comenity rep together. The comenity agent said I had not used my account in a while and needed to ask me a couple of questions before he can allow me to use the XXXX credit limit all the while the XXXX rep was on the phone listening. I feel because I had initiated a call last week and my negative interactions with XXXX, XXXX I strongly feel I was discriminated against in being granted my credit being restablished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In early XX/XX/2019, the XXXX XXXX was going to go through a XXXX. I received a call from LoanCar saying that LoanCare that because I am a XXXX XXXX, LoanCare offers me a break - and that I don't have to pay my mortgage for the next 90 days. I took the offer and when the 90 days ( 3 months ) were up, I thought that I would resume my regular monthly payment - but instead, I was asked to pay the total owed for the 3 months ... That was a shock to me. Then finally in XX/XX/2019, after I couldn't qualify for a loan modification, I entered in a re-payment plan with LoanCare starting with an initial payment of {$7900.00} and 5 additional payments of {$3700.00} that ended in XX/XX/2019 and resume my normal payment of {$2600.00} in XX/XX/2019. 

The first payment, {$7900.00} was made on XX/XX/2019 ( See attached bank statement pg 6 of 10 ). With  a due date on the XX/XX/XXXX of each month, all subsequent payments were made and received by LoanCare before the due date ( See attached proofs of payment from XXXX ) Despite having received all my payments, and despite numerous faxes of proof of payments directly from XXXX to LoanCare, LoamCare repeatedly denied receiving my money ( See attache mortgage statements from LoanCare ). I have contacted LoanCare numerous times. Each time, each representative gave me a different story. The last representative confirmed that they have never received payments for XXXX, XXXX and XX/XX/2019. I am so tired of this stupidity and the running around they gave me, I sold my home this past XX/XX/2019. I have requested LoanCare to give me a payoff statement by crediting all the payments I made. They didn't bother with the correction and charged me {$5000.00} and a late fee of {$470.00} I am filing this complaint because LoanCare 's failure to properly credit my account, incorrectly charged me {$5000.00} and late fee even though all payments were made on time. In addition, LoanCare repeatedly notified the credit bureau that my account is seriously delinquent or late. Consequently, my credit score dropped from the high 600 to about 400. 

I request your assistance and demand LoanCare to fix all these mistakes and refund the uncredited money and late fee to me - and notify the Credit Bureau that all prior reports were false and all payments were made on time. Before filing this complaint with you, I have also made several requests to Loancare but received no response ( see attached correspondence to LoanCare ) I don't understand LoanCare 's ill intent, but Loancare did the very same thing to my other account which you will be receiving another complaint from me. This whole thing is terrible. I lose a lot of time ... It stresses me out ... 

My contact is XXXX Tel. 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 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My checking account with American Express Serve was defrauded and there were 6 transactions where {$540.00} total was stolen. I have tried everything I can, including following American Express ' procedure of investigating this fraud. They have done nothing to refund me my stolen money and have denied my claim even though these transactions were not done by me or anybody I know. 

I don't know what else I can do. They clearly did not do an in-depth investigation because otherwise my money would have been refunded. I call and keep getting the run around and they won't let me speak to anyone in the fraud investigation department. I was instructed to write a letter, which I have done, but I have no faith anything will come of it. 

This is wrong. I entrusted them with my money, and their card and my account was compromised because my card never left my pocket and nobody on Earth but me knows my PIN number. Instead of refunding my money, which should be insured from fraud, they have done NOTHING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 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: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined. 
Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was involved in a total loss accident on XX/XX/19. I settled with XXXX less than 24 hours post accident. It took the finance company just shy of 90 days to send everything needed to GAP Insurance. GAP settled in under 24 hours after I contacted them and then the finance company yet again. I have had to rent a car 3 times! My wife is a Transplant patient and we have been over 3 months without a vehicle all due to the negligence of this finance company.They have reported late and not accurate causing my credit score to plummet from 700 's to the 400's.As it was on it's way back up, it was reported more balance owed after a decrease which cost me 40 more points.The balance owed is not right no matter who adds it up. I tried to ask for supervisors and get hung up on or talked down to. Now they will not take my calls and will not fix my credit so that I can go and finance another vehicle. This is ludicrous! The only thing they keep repeating was that it is interest due.So in essence more than {$5000.00} went to interest in the past 3 transactions and then they are showing some {$2200.00} owed, again for interest.Their records show that I was given back late fees, yet it was never corrected with the bureaus. When I asked about that, a supervisor told me I have to formally challenge that with proof of loss, and all the documentation related to this account.IT IS THEIR COMPANY! They finally submitted the updates to the bureaus but they sent in the wrong balances and again never corrected the late reports. After originally showing a large pay down, they then sent an increase in loan amount which caused the points I just got back for pay down to be erased. They would not accept my call today. I feel it should be the total amount owed, the total insurance payments applied, credit for the correct service contract amount, and then you have the number owed. That is how it should have been done.Plain and simple they played with the money for 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
This is regarding an apartment lease. I elected to withhold rent because the property manager was unfairly charging late fees and utility fees. The issue went to Court in XXXX county Nevada. An offer was made for the full amount owed minus the fees, but the other party declined. The Court ordered me to vacate the property and for all parties to bear their own costs. That said, there is nothing owed to XXXX XXXX in this case although they have hired IQ Data as their collection agency. The collection agency has never furnished any itemized statements of the amount owed. Neither have they ever communicated in writing about the " outstanding debt. '' The collection agency has failed to abide by all the consumer laws required under the FDCA. As a result, I have suffered irreparable harm in the form of denied credit to continue my post-graduate degree, to refinance my car, and to obtain gainful employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation