vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I do not have a contract with SANTANDER CONSUMER USA. I found out from the credit reporting bureaus XXXXXXXX, XXXX and XXXX that there was a negative account under " SANTANDER CONSUMER USA '' under account number XXXX. SANTANDER CONSUMER USA has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date SANTANDER CONSUMER USA has failed to provide the information requested. SANTANDER CONSUMER USA is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. SANTANDER CONSUMER USA has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that SANTANDER CONSUMER USA has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that SANTANDER CONSUMER USA currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither SANTANDER CONSUMER USA possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, SANTANDER CONSUMER USA shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXXXX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XXXX XXXX XXXX called multiple times. the customer service rep would not help remove the inquiry. 
XXXX XXXX XX/XX/XXXX Called multiple time to remove the negative inquiry. customer service would not help remove. 
XXXX XX/XX/XXXX. called them multiple times. customer service would not help remove this negative inquiry XXXX XXXX XXXX XXXX called multiple time. customer service would not help remove this negative impacting inquiry XXXX XXXX XX/XX/XXXX called multiple time and the customer service rep would not help take this negative inquiry off. 
XXXX XXXX XXXX XXXX XXXX called multiple times customer service would not help remove this negative impacting inquiry XXXX XXXX-XX/XX/XXXX- called multiple times and customer service would not help remove the negative impacting inquiry. 
XXXX XXXX XX/XX/XXXX called several time and customer service would not help remove neg. impacting inquiry

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 2019-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NY

Complaint narrative:
I contacted XXXX XXXX mortgage loan cordinator of XXXX XXXX who represented rhe lender Sun West Mortgage Inc. After prequalifying and going through the process up to the appraiser, is where things became very fuzzy with continued descrepancies from XXXX XXXX and appraiser. Appraiser claimed he couldn't find comps, when he did get them, he had issue with the business/residential ratio, fixed that, then estimator had issues with contractor 's bid saying it was too low. Had to trump it up to XXXX dollars more. Then the appraiser results finally came after refusal to complete the appraisal, some curiously long delays, dissapearances, and after reluctantly agreeing to complete the report. Finally his appraiser 's report came in 100, 000 plus dollars above the property value. Just about what they had me raise the contractor 's bid to. Then still trying to find a way to work it out, I called the lender 's agent XXXX XXXX, who delayed returning my call for days prior. And finally XXXX XXXX admits to me that his boss flat out didnt like the property and wasn't going to back it. Then weeks later I recieved a letter saying the loan was denied because I lacked collateral. Something that was never asked for in the transaction and never was in any document. The reason they said I didnt get the loan was simply not true. This out and out misinformation confirms what I already had come to believe. That I have been redlined by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: IL

Complaint narrative:
I have a Chapter XXXX that appears on Experian and XXXX. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX  ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.

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 2019-04-24 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: NJ

Complaint narrative:
TRANSUNION On XX/XX/XXXX I settled a collection with " XXXX XXXX '' I paid off the account XXXX {$450.00} the agreed upon settled amount. I was told by the rep that it would be a XXXX baIance once I settled the account I have XXXX XXXX so I waited until the following month to see if my status would update. In XXXX It updated to show a lower balance. I begin to dispute with the credit agencies. For XXXX the collection company " XXXX XXXX '' still reported the account with balance. I begin to dispute with the credit agencies-Despite me p. I aroviding proof and requesting the collection account be removed if they can not confirm the settled account, The credit reporting agencies will not remove and continue to report incorrectly. XXXX XXXX   XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. This is ridiculous. 

I have sent a dispute and copy of receipt to the bueraus and they still show a open a balance

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 2019-04-24 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: VT

Complaint narrative:
I signed up for a free trial account with Google Pay. Before the free trial ended I tried to delete my credit card information from the account. There is no way delete a credit card from the account unless I add another in it's place.

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 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XXXX, XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XXXX, XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company XXXX XXXX which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX with Transunion, XXXX, and XXXX credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The letter was sent at the beginning of XX/XX/2018. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.

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 2019-04-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company XXXX XXXX which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX with XXXX, XXXX, and Experian credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The letter was sent at the beginning of XX/XX/2018. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt.

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 2019-04-24 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In XXXX I financed XXXX XXXX w/ XXXX miles from XXXX XXXX XXXX XXXX NY. The selling price for the vehicle was $ XXXX and I was given a financed amount of $ XXXX by Santanda Bank to pay over a 72 month term at an interest rate of 21.9 %. At {$540.00} per month for 72 months it is estimated that i would be paying off $ 39k or more at the maturity date of the loan. 42 months later Ive already paid about $ 21k. I will admit that Ive been significantly late on most of my monthly payments from the start and even had 6 months pushed to the back of the loan. However, all this was because of financial hardship and extensive repairs that I had to deal with within 6 months of purchasing the car. Fast-forward to 48 months later in XXXX, while still struggling with extensive repairs and failing inspections, I still owe $ XXXX on the vehicle with XXXX miles used and a book value of no more than $ 4k. The bank says Ive only been paying interest and that my principal has yet to be affected by these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: IN

Complaint narrative:
Capital one has allowed someone to change my address 6 times in 2019 alone ( not including the times in years past ) I have repeated asked to have notes put on my account that make them call my number prior to making ANY changes to my account but they continue to ignore that request and allow someone to close my card and send a new one to their address. This is causing me financial issues as well as time taken away from my family and my business. Ive included a screen shot of each time this has happened in 2019 alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a US Bank Platinum Visa card. My due date is the XXXX of the month. On XX/XX/XXXX I was charged a {$27.00} late fee despite the fact that my payment posted on XX/XX/XXXX. I contacted US Bank via telephone regarding the late fee and on XX/XX/XXXX my account was credited. 

On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged another late fee, this time it was {$38.00}. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. 

I contacted a US Bank representative via telephone on XX/XX/XXXX and was told that a supervisor would give me a call within 24 hours. I never received a call back. The {$38.00} late fee that I was charged for XX/XX/XXXX was credited back to my account but not the late fees for XX/XX/XXXX ( {$38.00} ), XX/XX/XXXX ( {$38.00} ), and XX/XX/XXXX ( {$38.00} ). 

Is this legal? I would like these unjust fees to be credited back to my account.

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 2019-04-24 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: IL

Complaint narrative:
I have a Chapter XXXX that appears on XXXX  and Equifax. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: MIDFIRST BANK
State: CA

Complaint narrative:
XXXX mortgage refuses to report my mortgage to all three credit bureaus.

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 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
On XXXX XX/XX/2019, I received a phone call from 'CCC ' ( Continental Credit Control ) regarding a debt to collect from a medical bill which is currently being reviewed and processed by the Department of Labor Worker 's Compensation. This medical bill was due to a work-related injury while performing duty as a XXXX XXXX  XXXX  with the XXXX  XXXX XXXX XXXX. 

The medical bill is already being sent for collection in which I should not receive the medical expenses since it is covered by the federal agency. I have never received a notifcation to pay or an inquiry to collect from the original creditor. This is an unfair debt collection by the original creditor and debt collection agency who use unfair communication tactics by threatening the member if the debt is not paid.

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 2019-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used a Bank Of America convenience check to pay a contractor that in turned ripped us off on job ( Bathroom Shower ) nothing was done correctly and shower is unusable going on 2 months now, contractor refused to repair correctly or refund money and left voice mail saying he didn't care and said he would put lien on home if we didn't continue to pay him. We disputed the XXXX charge with Bank Of America and sent pictures voice mails and emails estimates to repair and letter from another contractor stating issue`s and original contract and denied claim stating we didn't send them original sales slip or invoice given to you at the time of purchase. I had called prior to paying contractor via Bank Of America to verify protection and was told not a problem check was same as using card.

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 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. Wells Fargo ( WF ) duplicated hazard insurance ( hi ) payment by paying my hi company, XXXX, the payments I was and continue paying to hippo. this caused my mortgage payment to increase {$1300.00} 2. several WF supv acknowleded WF '  insurance dept mistake by not paying attention to the payments already being made by me. 

3. see the following 6 attachments : *attacmnt 1 : wf 's request to send proof of insurance by XX/XX/XXXX. 
*attchmnt 2A, 2B, & 2C : my proof of insurance & payments to XXXX ; sent to wf XX/XX/XXXX from WF branch *attachmnt 3A & 3B : WF closing property insurance and adjusting my mortgage payment back to it's usual {$1200.00} ; proof of their mistake and correcting it XXXX. I thought the case was resolved as clearly shown on attachmnts 3A & 3B, but another wf rep called me XX/XX/XXXX to say i still have to pay for their duplicated hi payment. 

6. she will never show you the attachments 's i sent you and she is misquoting me 7. see complaint id XXXX for original complaint

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