vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have a letter from Santander Consumer USA, dated XX/XX/XXXX, this letter is an offer letter that gave the impression that I, the consumer, had a limited time to pay a settlement and for me to act quickly. In XXXX I was seeking a vehicle to purchase and was able to find a vehicle at XXXX XXXX, after some time of making monthly payments I fell behind and eventually the vehicle was repossessed from my location information resulting in invasion of privacy.This closed account was and is currently being reported to all credit reporting agencies. This dated letter states I have a {$24000.00} balance and for me to act quickly by paying {$7700.00} in bold faced letters, which felt like intimidation. I received this letter after my vehicle was sold.This account was sold to XXXX XXXX and is currently being reported on all credit reporting ag

encies. Pursuant to Title 15 US. Code 1692a ( 3 ) ( 4 ), I am th
e consumer and the creditor. This alleged debt from Santander  Consumer USA and XXXX XXXX for an auto loan is fraudulent. I am currently verifying my credit report and in the process I have discovered that my initial communication with Santander was under misrepresentation and I was taken advantage of as a consumer. I am the creditor that offered credit pursuant to US. Code title 15 1601 but yet Santander was attempting to collect an alleged debt and is currently  reporting it closed on all credit reporting agencies and XXXX XXXX is reporting it as an active debt collection account. I have suffered harassment and abuse ( 15 U.S. Code 1692d ), my car was repossessed ( 15 U.s. Code 1692f ( 6 ) ( c ), as a consumer I was furnished certain deceptive forms ( 15 U.S. Code 1692j ) which put me in an uncompromising position in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX business account was closed in XX/XX/2020 at Bank of America. I haven't received any mail at home about a remaining balance. I couldn't access the account because it was closed and they continue to pile up the fees without physicals MAIL notification. The balance is now in collection from what the phone rep said.

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 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Recently I have been called in reference to a h s n account as well as haband account.

Immediately after coming from the doctor I called each comments XXXX  XXXX  and notified that I m  XXXX and have XXXX XXXX. No longer will I be able to afford these accounts. My account was XXXX. I still was asked to make payments. In other words, I was XXXX  and receiving social security XXXX. I explained I m due a refund and instead my account balances were sold as well as charged off. The name of the company that keeps calling me is dynamic recovery solutions. Trying to blood from a stone. Even with XXXX  XXXX  XXXX  I still have to repeat how unfair it is to keep harassing me for more money when I didnt even have it. Try going to XXXX XXXX XXXX for an XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and god knows what else by now, because even in Covid vitamin XXXX has been added to the list, most are not covered even co-pays are due or no medicine, I dont rhink XXXX XXXX XXXX understands that the reference numbers XXXX and XXXX are just a way to annoy me and agitate my condition. I gues acting as an Agent for dynamic recovery solutions LLc located at XXXX XXXX  , XXXX, XXXX, SC XXXX doesnt understand. 
Ive been given a cust service number is XXXX as well as XXXX or XXXX. I cant breathe but yet they keeps calling me. But when I receive the bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX its some kind of a misunderstand-ing. I even used my breathe in between using the XXXX and XXXX I dont have it! O -m-g. It just doesnt stop. They take turns. I gave them the social XXXX and even was honest I m sick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I viewed my credit report and saw company XXXX XXXX had filed a adverse action under my name stating i hadn't paid a bill. I never had an account with XXXX XXXX and I never lived in the state at the time specified. XXXX XXXX assigned {$1400.00} to a collection agency Convergent Outsourcing Inc . I reached out to Convergent Outsourcing Inc and have been getting the run around to no avail. I have requested Convergent Outsourcing Inc to remove that adverse action and they refused sending me documentation with my name ( misspelled incorrectly ) and a address I never lived XXXX. I am requesting to have it removed immediately.

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 2020-10-23 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: OK

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
I reached out to loan depot on XX/XX/2020 and spoke with XXXX XXXX. I gave her all of my information to refinance my home loan she got me an interest rate of XXXX. The following day another lady I had been trying to get ahold of called me back and got me a rate of XXXX with a buy down cost of XXXX. Well of course Im going with the lower rate, so I left a message and emailed XXXX to let her know Id found a better rate and was choosing to go with my local agent. She called me back later in the afternoon on XX/XX/XXXX and was very snotty and condescending. She told me she had spent a good deal of time with me the day before and that when she got my message she matched the rate and told me Id be getting XXXX cash at closing thats just how it worked out with the new rate and Id ruin her weekend if I didnt stay with her. I should have gone with my instincts but she was very pushy and made me feel bad so I trusted her to keep her word. I called her again on XX/XX/XXXX since the numbers I was receiving for fees wasnt adding up to my local agents totals which I had sent to her. She assured me the XXXX would be credited to my loan total since nobody wants cash at closing she said, but she couldnt look at my file at that time since the processor was in the loan now. Turns out she lied about the XXXX to keep me and instead of charging me the XXXX for the buy down she charged me XXXX. Then at closing I had to pay closing XXXX XXXX! I emailed the processor XXXX XXXX, asking him why I had to pay when I was told I didnt have to pay anything. His response was I should not of had to pay anything at closing and I asked him where my XXXX were to which he said he knew nothing of a credit but included zsaleh in the email to get an answer. The following day XXXX sent me an email that she was confused by my question to which I told her if she was so confused she should go back and listen to our recorded conversations. She then sent back the following day and a Friday, that she thinks she knows to what I was referring and that I was mistaken it was just an estimate. Lies!! Then they funded first thing Monday so I couldnt cancel. I filed a report with the better business bureau to which I have heard nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 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: OK

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: OK

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NY

Complaint narrative:
I tried fixing this problem since XX/XX/2020 the EQUIFAX did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XXXX XXXXXXXXi am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: CULLEN/FROST BANKERS, INC.
State: VA

Complaint narrative:
I have gotten a check from frost bank in Texas and yes its real but I can find no bank close to me that do third party check far as me signing it over in my mom name or some one I know I dont care about the percentage of me being charged I just need my money before its to late and I cant cash my check I lost my ID, birth certificate, and social sercurity card now I dont know what to do until XXXX thats when my ID comes please help look around and see if its some where I can cash my check all I ask please I bag y'all please I went to almost every credit bank and still cant get it done its not right that I have a check and cant cash it when im way in XXXX XXXX , va and the frost bank way in Texas it should be a way this can be fixed some way and some how

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: VA

Complaint narrative:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX XXXX  XXXX DEPTEDXXXX XXXX XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I check my credit with XXXX. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a single Mother with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
The company is trying to make me pay {$220.00} for something i have and/or had no knowledge of. I have never done business or applied for anything related to this company. I have contacted them and the parent company and they told me an application was put on online under my name and they don't seem to care. 

The company is XXXX XXXX overlook. Some low end apartment complex in the XXXX, GA area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried fixing this problem since XX/XX/2020 the " EXPERIAN '' did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XX/XX/XXXX 2020.i am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.

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 2020-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a checking account with Bank of America ending in XXXX. I had unauthorized transactions on a debit card in another state. I told them this. First they credited me, then they took my money back via debit. I told them to look at the camera 's in Oklahoma and they would see it was NOT me who withdrew this money. I had made a trip there and lost my debit card before this fraud happened. Bank of America put this account in the negative and then wrote it off. 
I just recently had a serious problem with my roof and my insurance company gave me money to get the roof fixed. I also needed to pay property taxes. I put the money in my saving account ending in XXXX with Bank of America today and they debited {$1800.00} out of my savings account WITHOUT MY PRIOR KNOWLEDGE. Even though the XXXX account was closed and not showing on my site, they still took this money. I called their customer service right away. The agent said I would have to wait 48 hours to find out why they did this. I told her I was NOT waiting and needed to talk to a Supervisor there. I was told that there was no Supervisor available. Then I said I would wait. Finally the agent came back on the line and said they debited the {$1800.00} out of my account and were NOT returning it. I said I have to get my property fixed and pay taxes. They said it was not their problem. I should Never had been liable for fraud on this account. I am a senior on a budget and the agent had the audacity to say, well you have money left in the bank. I said I have to get my roof repaired along with other catastrophic damage. I am sick over this. I want this resolved and I plan to never do business with this bank again. I have put that checking account into a debt consolidation program with my attorney. They can not be paid double.

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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My primary residence 's mortgage servicer is Loancare LLC ( https : //www.myloancare.com ). InXX/XX/2020, I accepted their forbearance plan because I was financially affected by the COVID shutdown. On XX/XX/2020, I got an email stating that I have been approved for the forbearance plan ( email attached ) and that I should read the forbearance plan agreement carefully. I received an agreement letter ( attached ) dated XXXX XXXX. Before I entered the forbearance plan I was one payment away from having my PMI removed. Neither the letter that I received nor the email mentions that my PMI will not be removed for another 24 months and that I will be penalized if I accept the forbearance plan. I even made partial payments during my forbearance period. I ended the forbearance plan beginning of XXXX and made all the payments. I have never defaulted in any mortgage payments. 
I have requested Loancare several times for cancellation of my PMI. However the mortgage company is still forcing me to pay PMI for extra 24 months. 
I have complained several times, including an escalation call with the manager, XXXX, on XX/XX/2020 ( escalation request # XXXX ). She mentioned that the PMI will be removed in 7 business days. However, without notice they quietly rejected my PMI cancelation request. I did not receive any written letter or email from them. I called again on XX/XX/XXXX and talked with another manager, XXXX XXXX agent # XXXX ) and she insisted that there is no way the PMI will be removed and that I am forced to pay for PMI for another 24 months because of the forbearance plan. 
This deceptive behavior by Loancare has caused me an extra financial burden during COVID crisis. They advertise their forbearance plan as a compassionate act however they are defrauding people.

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 2020-10-23 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: DISCOVER BANK
State: NC

Complaint narrative:
Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX   receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX  XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. 

Anyway, I will attach all the documents and receipts below that argue for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I check my credit with Experian.com. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a XXXX  XXXX  with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Everyday other day I receive a called since XXXX XXXX from CONVERGENT OUTSOURCING this is a account that doesnt belong to me I provided them My police report advising that the account was opened and does not belong to me

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