vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was impacted by COVID-19 pandemic and as a result my work hours decreased severely also had a on the job injury. These two combined really hurt me financially, I have always kept in touch with Santander consumer USA regarding my situation. I have kept in constant communication with Santander Consumer USA from the very start, I told them that I am responsible and willing to bring my account to current status because it is in default and they have threatened to repossess my car again. 
I have told them that I am willing in good faith to bring my account up-to-date but they continue to harass me giving me notice to bring my account current or they will repossessed my vehicle. Earlier this year in 2022 Santander consumer USA was sued by consumers in another state it was a class action representing consumers with subprime loans who were affected financially the government was involved and Santander settled with consumers. I would like to add that I was just a few months away from being part of the class action but was not so I didnt receive any relief, Santander consumer USA is known for preying on consumers with their subprime loans and lending practices. They issue loans knowing that consumers with supreme loans will at some point default in their loan and then they come and repossess the vehicle and in the end they profit where is consumers are left behind. 
Santander consumer USA continues to harass me over the phone using Robo calls despite the fact that I have kept communication from my end continuous. They issued me a right to cure my loan before a certain date they have continued to ignore my financial situation and I am currently being forced to seek the option of filing a chapter XXXX bankruptcy for relief and to protect myself from Santander Consumer USA repossessing my vehicle. There lending practices to consumers are against consumers fulfilling their loan obligations and they continue to practice like this taking advantage of vulnerable consumers like myself who are trying to get back on their feet financially especially during the Covid/19 pandemic. 
The state of California, Attorney General should file a lawsuit against Santander Consumer USA for their business practices and targeting consumers with subprime loans and further taking advantage of them when they know in advance that consumers with supreme loans will most likely default within the term of the loan and not have an opportunity to pay the loan off. 
Their predatory lending practices to consumers needs to be overlooked by the attorney general so that they stop from targeting vulnerable consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent my legal tender of payment to Capital one. They accept the legal tender of payment since they haven't sent it back ( UCC4-302 ). They closed my accounts and blocked me from using the cards, a natural person from using he's credit. Committing identity fraud as they claim they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a natural Person. With my signature being on the promissory note and the only signature on it. Capital one is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit ( 15USC 1602J ). This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX Co submits reports on me then i need to know its XXXX XXXXand there address and phone contact. Equifax responds to me 3 months later after i requested a investigation into a child support on my consumer report with " The Child support on your report has not been changed because the Company '' that reported it verified its accurate ''. Child support doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Equifax is referring to. AND WHY IS EQUIFAX BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EQUIFAX IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Equifax SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EQUIFAX TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The child support on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS " COMPANY '' IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EQUIFAX .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX, I noticed that several inquries through Capital One Bank USA, Capital One, American Credit ACCEXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were applied to. I personally have nit applied for new lines of credit. I reached out to all the creditors to have these inquries removed but they gave me a hard time. They suggested that I dispute these matter via the CRAs ( credit reporting agencies ). I would like these inquries removed. Next, on XX/XX/XXXX I see that XXXX XXXX XXXX has an inquiry. I too would like this removed from my credit reports as I did not apply for any new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2022 - 4 XXXX transactions were made each for {XXXX}. one transaction of {XXXX} was sent to a close friend without my permission. I received that {XXXX} back from him. The other {XXXX} was sent to an unknown person. 3 separate transactions of {XXXX}. 
XX/XX/2022 - The day I was notified by my friend that he received that amount of {XXXX}. This is when I contacted Wells Fargo. I placed a fraud claim with Wells Fargo. 
XX/XX/2022 - I received a letter from XXXX denying my claim. Stating " We have determined that the transactions were made by you, or someone who had your authorization. '' XX/XX/2022 - I appealed this claim and asked for all investigative information as to why it was denied. 
XX/XX/2022 - I received my Right to documentation Package. All that it includes is " Account login history showing the customer 's geographical location when login was completed, IP address and other identifying electronic device details. '' and the claim denial letter stating " Claim denial was due no evidence supporting unauthorized transactions. '' Wells Fargo has failed to support evidence/ reasons why my claim has been denied. I had no association with the person that received these funds from my account. Wells Fargo took longer than 10 days to investigate and give an answer on this claim. 

I am asking for a refund of the {$XXXX} that was lost.

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 2022-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was a victim of mail fraud and corruption. I defaulted on my house and needed a VA home modification loan in XX/XX/2019, I filed for the modification with HuntingtonNationalBank. In XX/XX/2019, I spoke with the analyst, they stated that I was approved for a full VA home modification loan but I just need to send the agreed upon documents. I sent them in but Huntington National Bank Mortgage department suspended finishing my loan, they then changed my status and denied me from a full VA home modification loan. They sent my letter dated XXXX XXXX. XXXX  but the letter had 2 ink stamps from the USPS, one XX/XX/2109 and XX/XX/2019. I received the letter 14 days after the date on the denial letter as well as the reason why I was denied omitted from the letter. I will now file a complaint with the FBI for Mortgage fraud. I have also filed a USPS mail fraud claim against Huntington National Bank for sending me a denial letter and deliberately omitted the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
For months I have given Wells Fargo the benefit of the doubt because I have been with them for so long. This is why I was hesitant with opening up a business account with them. Ill continue to handle my business banking else where full time. This time it is concerning my personal checking account. I do have things come out of my account all of the time and I go into the negative, just like every other working American, I am human, but I also make my account current within minutes of me noticing my account is negative, literally minutes, they charge me XXXX $ overdraft then use computer based system to generate half of my funds back which leaves me with XXXX $ every-time. They are taking advantage of me and I am tired of the treatment. They also let people go into my account without authorization and steal my money, I have disputed items with Wells Fargo and they have failed to return my money and use poor excuses to keep from giving me my hard earned money back. I will be closing my accounts, checking, savings & business account and taking my XXXX $ salary to my credit union , I am sure I will be respected far more than now. I have never disliked a bank more than I do Wells Fargo.

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 2022-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: KS

Complaint narrative:
I received a call on XX/XX/22 from a number that read " XXXX XXXX '' on the caller ID. The gentleman said he was from the county courthouse and I needed to come down to the courthouse to sign papers on a docket because a legal group was trying to sue me for fraud and an attempt to defraud a financial corporation. He then gave me a number to call for more detailed info and a case number. I then called the number he gave me and a CSR named " XXXX XXXX '' asked me for my case number immediately. She stated she was with NMRC. I also received correspondence from a " XXXX XXXX '' with national recovery.net. I gave it to her and she had my name, last 4 of ssn, and birth date all there. She then told me that it was XXXX XXXX XXXX who was threatening legal action because I still owed them on a pay day loan from last fall ( XX/XX/XXXX was the date she gave ). I did indeed take out a loan with this company around that time so I thought it was legit. XXXX then started saying things like, I defrauded the company and they are gon na suspend my drivers license and I needed to pay {XXXX} immediately so the case will be dropped and taken off of the docket. Thinking I did owe the money and didn't want to deal with the threat of losing my license I gave her my debit card number when she asked for it and scheduled the full amount to be taken out on Friday XX/XX/XXXX, XXXXShe sent me a form to digitally e sign through my email from XXXX, that was titled, DEBIT CARD OR CREDIT CARD AUTHORIZATION..it had my full debit card number on it, the amount owed, the date the funds would be taken out, and my digital signature..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX : Capital One issued a " Rewards check '' to me for {$54.00} XX/XX/XXXX : I attempted a mobile deposit to my XXXX account XX/XX/XXXX : XXXX notified me that the 'rewards check ' bounced, and i was charged {$12.00} XX/XX/XXXX : I contacted Capital One, and was told by " XXXX '' that I would hear something by XX/XX/XXXX, but I never did XX/XX/XXXX : I called Capital One again, and was told by 'Supervisor XXXX ' that they show this check as cleared XX/XX/XXXX : I called Capital One again, and asked where i can submit proof, from XXXX, that the check bounced, and a fee was charged, and was told 'supervisor XXXX ' that Capital One will be sending me a letter to 'confirm the check was cashed '! Again, I offered to prove otherwise, but she said they have 'no incoming emails ' and I would have to take this up with XXXX XXXX 
I would like Capital One to credit my account, the full {$66.00}, to cover the rewards and the bounced check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Sezzle Inc.
State: PA

Complaint narrative:
I was looking for a buy now pay later sort of thing and I found a company called Sezzle and they gave me a {$750.00} credit on their virtual card and when I went to target 's website to buy gift cards for {$750.00} they cancelled my order, took my money and revoked my virtual card.

Company response to consumer: Closed with explanation