vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-06 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
COMPLAINT : XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, MA XXXX XXXX I have a checking and savings account in Santander Bank, N.A. at the following branch in XXXX XXXX. Santander Bank | XXXX XXXX XXXX, XXXX XXXX, MA XXXX Branch ID : XXXX Tel. ( XXXX XXXX XXXX Fax : ( XXXX XXXX XXXX ; Customer Service Ph. ( XXXX ) XXXX On XXXX XXXX, 2016, a withdrawal for the amount of {$360.00} was made on my Santander account at XXXX XXXX, XXXX, MA, located in XXXX. Also {$3.00} bank fee was charged to my account with this transaction. I called Santander Bank branch at XXXX XXXX and Customer Service immediately reporting the fraudulent withdrawal from my savings accounts. I reported to the bank that my Debit/Credit card was with me in my wallet the moment this money was withdrawn without my authorization. I told the bank 's representative that I have never used my card to withdraw money at XXXX XXXX, XXXX MA, located in XXXX. 

I am a XXXX in XXXX, MA. I was a XXXX for more than ten years. I mentioned the Customer Service representative that it was evident that somebody cloned my card and used it to steal my money at XXXX XXXX, XXXX MA, located in XXXX. They asked me if I had any idea of whom cloned my card. I mentioned to them that XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, MA XXXX was the only place that has had access to my information when I have ordered online at XXXX. However, I clearly stated that I was not imputing this restaurant any culprit, just the fact that they have had access to my information for delivery purposes. 

Customer Service gave me the following Claim Number : XXXX and said that the bank will investigate the illegal withdrawal of {$360.00} from my savings account and will reimburse to me the total amount of {$360.00} ( including {$3.00} charged fee ). 

As of today, Santander Bank has not reimbursed me for any money, and customer service department has just given me a general statement that the bank can not refund the money because information is inconclusive, avoiding to explain the foundations and rationale for this determination. 

Hereby I am requesting the intervention of the CFPB to solve this matter.

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
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
a negative report posted by gm financial on approx.XX/XX/2005 is still showing on my reports. 
Pa. limitation is 4 yrs. i would like this stricken from my record. I am also showing a public record of a recently discharged bankruptcy. I request this also be stricken.

Company response to consumer: Closed
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/2016, we were in the process of switching from Wells Fargo Bank to another bank as we have had several fraudulent transactions in the past year. The latest one was in the amount of $ XXXX from my daughters and my account to my husbands and my account. About 2 minutes after doing so my account password and address changed and I was notified by the bank by email if I had changed my password so I ran this through their fraudulent dept. a few days later XX/XX/2016 I received a phone call from a women who said her daughter works at the XXXX next door to the Wells Fargo Bank in XXXX, which was our bank at the time. Her daughter went out to the dumpster that sits between them and Wells Fargo Bank and found a bunch of papers scattered around the outside of the dumpster on the ground. When she looked down she saw one that had all of personal information on it so she took a picture of it, then told her mother on Thursday. Her mother said that they needed to contact us which they did from the information that was on the document. The daughter did not pick up any of the papers which mother saw the email address and sent the pictures of the papers which clearly show the paper. The document had our full names, tax ID, address, phone numbers, and full social security numbers on the page. I immediately called the XXXX police which were right across the street, they gave me a case number but said they really could n't do anything about it. The next day my husband went to the dumpster and all of the papers were still there, no at least 4 days laying there. He took pictures of the surrounding area of the dumpster with the view of the bank and the XXXX restaurant and also picked up the document that has our personal info on it, which was page XXXX of XXXX as well as a deposit slip that had someone else 's name and account number. We called the XXXX police again and told them the papers were still out there on the ground and they said all they could do is come over to the bank why we talked to them but we decided not to do that until we spoke to someone else, but the police have documented our information. That afternoon the same girl from Wingers went over again and saw another paper with our information on it, she picked this one up, which my husband had missed. This one said page XXXX of XXXX. This area has a lot of homeless people etc. that look through dumpsters for food. The mother and daughter said they would testify about everything they saw. We would like to take some legal action as we have no idea who might have all of our information. I will attach the papers so that you might review them. Thank you.

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 2015-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My father in law passed away unexpectedly and had a home equity loan from Sovereign Bank. There was a XXXX dollar balance on the account when he passed away and we paid the balance, even though he had mortgage insurance. We sold the house and were told that we would have to pay a XXXX dollar penalty because we closed the home equity line early, even though he had died the bank stated that " these are the rules ''. A complaint was filed with Sovereign XXXX years ago with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI

Complaint narrative:
On XXXX/XXXX/2016 a not safe cargo van was purchased from the Nissan Motor Acceptance Corporation. With it was purchased a Maintenance agreement. With resistance from the XXXX XXXX XXXX did a false cancellation request cancellation. Since we are being charged monthly for the cancelled Maintenance and receive numerous daily calls to our NO CALL number ( from XXXX to our XXXX number. We have filed complaints with XXXX XXXX XXXX XXXX ( # XXXX and # XXXX ) and the Federal Trade Commission ( # XXXX ). It appears that these agencies are protecting the Nissan Motor Acceptance Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In XXXX 2017, I canceled a service with XXXX XXXX which resulted in a refund of {$310.00}. Instead of returning the refund to me, XXXX XXXX returned the refund to GM Financial Services. I contacted GM Financial about how to handled this transaction. Because I have Auto Pay, GM Financial told me that they would ( XXXX ) cancel the Auto Pay for XXXX. ( 2 ) apply the {$310.00} as a refund, and ( 3 ) that I would only need to pay {$130.00}. I did exactly what GM Financial instructed me to do. However, the Auto Pay for {$450.00} for XXXX was still processed. This was devastating because I am retired and was in the process of paying my bills when I received a text from my financial institution that I had a low balance. When I looked at my account, I discovered that I had been double-charged by GM Financial. I knew that I was going to be hit with insufficient funds if I did n't do something quickly so rather than calling GM Financial, I called my financial institution to have the unapproved charge removed. They instantly did this but it cost me {$30.00}. I wrote a letter to GM Financial asking that they reimburse me for this fee because it was their error that I was charged an additional {$450.00}. I wrote a letter to GM Financial requesting a refund, but they never responded to my letter. Consequently, I called GM Financial Customer Service. The representative stated that they could not reimburse me because I did n't come to them to get a reimbursement. I am reaching out to you for help. If I had gone to GM Financial, their process would have been at least 3 days before the refund would have been applied to my account. By that time, I would have been hit with several " insufficient fees '' which is why I went directly to my financial institution. I would appreciate your help in this regards. I have had no many problems with this company, I feel like I am doing business with a second-rate lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I recently viewed my XXXX Credit Report and observed that GM Financial conducted an inquire 3 times, XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I do n't recall granting authorization to GM Financial to inquire my XXXX credit report 3 times in a time period of 5 days. I am requesting GMFINANCIAL to send me the documentation 's used to authorize there inquiries so I can verify it 's validity. If they are unable to provide me the mentioned document 's ( 3 ) I am requesting GMFINANCIAL TO REMOVE THE INQUIERIES FROM MY XXXX CREDIT REPORT. I am prepared to seek legal council and pursue legal action for GMFINANCIAL knowingly and willingly violating my rights granted to me by the FCRA. Thank you for your immediate action to my request. Furthermore, in addition to GMFINANCIAL contacting XXXX I want GMFINANCIAL to send me a letter confirming that the request was made to XXXX to remove the mentioned inquiries from my credit report for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I set a bill payment to my XXXX bank credit card account from Santander Bank on line banking, but XXXX bank did not receive the payment. I call Santander bank, the Rep. said they mail out the payment on time, this is post office problem. But he said you can mail the XXXXcredit card statement to our bank and attention Case management, we will refund the late fee city bank charge you. I did mail the copy of credit card statement to the Santander bank address he gave to me on XXXX XXXX. After one month, I called again, another Rep. said the address is wrong and they do not accept, you must fax over the statement. She gave me the fax number .The fax number is no answer. Then called again, gave another fax number. That fax number is communication error .THis morning called again, they said your fax matching is no good, change another fax machine.

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
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
Since the inception of my loan XX/XX/XXXX with XXXX and XXXX XXXX I have never had an Escrow account and I have always paid my homeowners insurance and property taxes. 
Just to give a little background ; I had a mortgage with XXXX since XX/XX/XXXX, effective XX/XX/XXXX the mortgage was serviced by XXXX XXXX XXXX XXXX, with no issues with the transitioning of the loan, my monthly payments of {$380.00} was due on or before the XXXX of the month without receiving additional service charges. During XX/XX/XXXX, I was informed that Seterus will be servicing my mortgage loan starting in XX/XX/XXXX. Unfortunately, since Seterus has taken over the loan, the transition has been a nightmare for me. The proper documentation ( statement of account with loan account details ) was never received. The Notice of Servicing Transfer and Welcome letter was not received, hence I was not given the proper information as to where to send my monthly mortgage payments of {$380.00}. 
Prior to XXXX XXXX, XXXX, I did not receive a statement from Seterus stating the amount of the loan or the transfer amount for verification purposes. Since the first notification nothing was ever received from Seterus. On XXXX XXXX, XXXX, I received a call from a Seterus representative stating that I was delinquent. I informed the representative ( XXXX ) that I was not made aware of where to send my payments, or the transfer loan amount. I further stated that I have the funds in my checking account, and the funds were transfer on XXXX XXXX, XXXX, in the amount of {$770.00} to Seterus, which represented XX/XX/XXXX and XX/XX/XXXX mortgage payment. I was charge late fees from Seterus, not due to my error but theirs for not sending out the proper documentation for me to pay my mortgage ( on recorded line, a representative stated that I was not mailed out any letters ). 
On XXXX XXXX, XXXX I received a Escrow Account Statement for my loan, which stated that I will be paying {$660.00}, I contacted Seterus and made them aware verbally that I am responsible for my property taxes and insurance. I was informed to send fax a letter stating those facts. I did on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX, the representative further stated for me to continue to make my monthly payments of {$380.00}. I have made my monthly mortgage payments of {$380.00} and Seterus is not apply my payments and has put me in default. My credit report has been hindered, Seterus is stating that I am 31 days past due, I have spent hours on the phone with their representative stating that they are going to apply the fund properly. I have be threaten with foreclosure. Seterus needs to be evaluated with their business practices. I have lived in my house for 15 years and had no issues until Seterus has taken over my loan servicing mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed XXXX a collection item on my credit called, XXXX XXXX XXXX with Equifax. However, Equifax results of the investigation were that the collection item belonged to me. On XX/XX/2015, I disputed the collection item pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ). However, two days later Equifax came back and stated the item belongs to me. Equifax failed to provide me with the request information pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had identity theft happen to me. When I found out, I contact the sheriff 's department and I made an identity theft report # XXXX at XXXX sheriff 's department on XX/XX/2015 I contacted XXXX and XXXX and they removed all the accounts that were n't mine in 90 days. But I sent TransUnion many letters, e-mails, and phone calls and they refused to remove the accounts that were not mine ; 1- XXXX XXXX XXXX 2- XXXX # XXXX 3- XXXX # XXXX 4- XXXX # XXXX Last phone call I made was with XXXX employees names XXXX and XXXX. They told me that they 're prohibited to accept the police report. Also, I need to contact the creditors and when I did, they asked me to pay XXXX % of the amount so they 'll take it off my credit. I am very frustrated with TransUnion because they kept these accounts that are n't mine on my file for almost one year now. It kept me from applying for jobs and paying high interest on my credit card. My car is in bad shape and I ca n't buy a new one because I 'll have to pay high interest if it approves me. Please help resolve this issue with TransUnion, I 'll appreciate it very much. Thank you.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax / cfpb denote if Equifax is willing to settle on removing all item that I been disputing with them for Months and all credit inquires that does not hold any opened accounts in my credit file I 'm willing to drop all investigation with the cfpb and any other parties who is involved Like I said In prior disputes here I 'm not looking for any money or any trouble or etc I just want what I 'm entitled to per the law. If they can give me their word and see to the above opened statement in this dispute I 'm willing to settle this and wipe this all away!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Filed a dispute with Equifax had some accounts deleted off my credit due to the fact that do n't belong to me ... These accounts have since been added back.. Never received a letter informing me if adding these accounts back. This is illegal please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed with all XXXX bureaus in reference to several accounts. XXXX student loans showing late payments and XXXX collection accounts. All XXXX bureaus repeatedly show different information. Requested information directly from the creditors and nothing received it 's been well over 2 months. If the companies are not responding to me directly then they would not respond to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am complaining about the fraudulent hard inquiry put on my equifax credit file by XXXX XXXX XXXX on XXXX XXXX, 2015. I have had never contacted them or being their customer in any way directly or indirectly and they have stolen my personal information and requested that hard inquiry. I contacted them several times but they are not responsive or helpful in anyway. I requested them to remove the inquiry but they passed me to Equifax while Equifax claims that they have no ability to remove that inquiry. I contacted them again and they are not responsive. I explained that XXXX needs to contact equifax business office to get that removed by they deny and deny anything they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My husband 's company did not give him his paycheck on time. As a result, XXXX Residences, filed and eviction notice on XXXX XXXX. My husband filed for bankruptcy on XXXX XXXX, XXXX. Instead of trying to stay in our leased apartment in which we had two months remaining, we decided to move. On XXXX XXXX, XXXX, while still in bankruptcy, my husband received a collection notice from XXXX XXXX XXXX XXXX XXXX had previously received notice that my husband was in bankruptcy ). On XXXX XXXX, XXXX, XXXX reported a collection account on my credit report without sending me notice that they were collecting a debt, and did not allow me the opportunity to dispute it. I wrote XXXX and Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding this debt, asking for verification but they would not respond to me. I provided proof XXXX and they have deleted XXXX from my credit report. On XXXX XXXX, XXXX, Equifax changed XXXX 's credit reporting from XXXX/XXXX/XXXX to XXXX. I have enclosed a copy of XXXX prior credit reporting from XXXX to demonstrate that the credit reporting was XXXX/XXXX/XXXX and not XXXX. Even after I had provided Equifax with proof, they still did not investigate my dispute thoroughly and willfully updated my credit report with erroneous information that damaged my reputation and caused me great financial harm XXXX job loss ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to investigate my dispute that items in collections are wrong, wrong dates and/or wrong amounts!!!! They gave me no proof that they even did an investigation!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have XXXX chapter XXXX bankruptcy on my credit report that are over 7 years old and this credit bureau Equifax refused to remove it and it is only reporting on this credit bureau I fill this is against the law and I have rights.

Company response to consumer: Closed with explanation