vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My expartner took a loan out with Santander online utilizing my records and I was under the impression that it was not me until one day that we had separated and they called me to collect the car payment and I directed them to his phone and advised them they had the incorrect information. At which point they were extremely rude and started to offend me and call me a liar and and deadbeat over the phone and that I needed to take care of my responsibilities. I have not been able to get ahold of either one of them since the day him and the car went missing. I have spoken to both Santander and the dealership the car was purchased from and I fear that they had an inside person in the dealership to approve such a transaction. I've tried to call and explain this to them several other times and now they are being nasty calling at all hours of the night and speaking about my information to people I associate with. I have hired an attorney which advised I file a formal complaint with all three  credit bureaus because in accordance with the FDCPA they are violating my rights. I will be officially recording all conversation and documenting all calls moving forward as recommended by my attorney to file suit in this matter. Any assistance you can provide will be greatly appreciated. I have gained the support of both Of the other Bureaus to assist me in the matter if you can please reach out or would like to have my attorney contact please advise. We have submitted paperwork via certified mail for proof but calls and threats are becoming to frequent. Thank you again for your help in resolving this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX PS. That is my correct address not the other which they keep challenging and will not let you correct. If you can help with that as well I greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened a safety deposit box in XX/XX/XXXX with US Bank, formerly XXXX XXXX XXXX in XXXX XXXX Illinois. I was regularly depositing cash, bonds, cashier checks, wills, deeds, car titles, and other things. In between the end of XX/XX/XXXX, and XX/XX/XXXX, ( this is an approximate date ), I was in the bank and went to check on my safety deposit boxes, ( I had two filled with cash and the other items I previously described ), and they were still full. They were so heavy that the employees at the bank would comment on how heavy my safety deposit boxes were becoming. When I went back on XX/XX/XXXX, the boxes still had the bonds, deeds, and cashier checks but all of the money had been stolen. I went to the police station, made a report and after some time they assigned a detective to the case. The detective then began investigating the case, in my opinion he did not work hard enough because the bank did not give him the information that he was requesting and was making it difficult for him to get the things that he needed to find out who stole my money, and he did not work hard enough to force them. I don't think he ever got the surveillance tapes, he only showed pictures of me going in and out of my safety deposit box on random days. The bank told him that the tapes were kept out of town and they could not give them to him. I think that is unacceptable. Please help me. That was my retirement. I have learned that it is not wise to put money in a safety deposit box but I still feel that the bank should not have let anyone in my safety deposit box. It is not as if the bank was robbed and the thieves robbed my box, someone was allowed to come into my boxes, both of them. They didn't do this randomly, someone knew what I had in my box and knew to take money out of my box. I tried going through a lawyer, the police, the comptroller of Illinois, and no one was able to help me. Please help. In total I am missing more than {$50000.00}. I used to deposit my tax returns, the cashier checks and cash from rent that I received. I am uploading some copies of checks and I have many more to show how I made my money. If you look at the tapes you will see that I would often cash a check with a teller and go straight to the safety deposit box.

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 2019-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have received numerous phone calls from XXXX from National Credit Adjusters. I received the phone call on XXXX at XXXX and XXXX. I also received calls from them on XXXX at XXXX and XXXX. Debt collectors are allowed 1 phone call a day and then are not suppose to further call you if you tell them to quite calling they are not suppose to call you. All four times they were told to quite calling. They say its a personal business matter and that's all they will say until they confirm they have the right person. Come on why would they call if they didn't have the right person. Please see the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My husband and I have had a mortgage with Nationstar since XXXX ( it now refers to itself as Mr. Cooper ). The monthly mortgage payment is {$4400.00} which we have also always timely paid. See the Exhibit hereto named Part 2 which is proof of all payments from XX/XX/XXXX thru XX/XX/XXXX. Last XXXX and XXXX, Mr. Cooper sent bills requesting a lesser monthly amount ( {$4300.00} ) but we continued paying the correct amount. See pages 2 and 3 of the Exhibit hereto named Part 5. The mortgage documents provide that we will pay our own insurance and taxes and we have always timely done so. For an unexplained reason and without prior or subsequent notice to us, Mr. Cooper paid our taxes and insurance premiums on the first day each was due. I paid those same insurance payments and tried to pay the taxes a few days later ( the taxes were marked paid online ). In a bill dated XX/XX/XXXX, Mr. Cooper requested {$26000.00} and at about the same time my payments were returned to me by the insurance carriers ( a total of {$9800.00} ). See page 4 of the Exhibit hereto named Part 5.  I wrote to Mr. Cooper on XX/XX/XXXX ; see page 1 of the Exhibit hereto named Part 5. Mr. Cooper responded on XX/XX/XXXX with a response I still find incomprehensible and an exhibit that clearly shows I made all payments and that Mr. Cooper is aware that payment by it of the taxes and insurance was without authorization or prior notice to my husband or me. See the Exhibit hereto named Part 4. I have tried to call Mr. Cooper without success. I wrote and email on XX/XX/XXXX requesting a response or call so that I could feel comfortable sending the {$9800.00} we owed but have had no reply. See the Exhibit hereto named Part 1. Although they have not replied, we did send the {$9800.00}. See the Exhibit hereto named Part 2 which shows Mr. Cooper 's receipt of that {$9800.00} and our timely payments of all mortgage premiums from XX/XX/XXXX thru XX/XX/XXXX. Now, Mr. Cooper seeks {$11000.00} from us ; see page 1 of the Exhibit hereto named Part 3. Somehow, our payment of {$9800.00} made the amount due go down {$13000.00} ( from {$23000.00} to {$11000.00} ). See the Exhibit hereto named Part 3. We are totally confused and do not know if Mr. Cooper is  engaging in incompetent or criminal behavior. What we do know is : ( 1 ) we have timely paid all amounts owed, ( 2 ) Mr. Cooper is not treating us fairly, ( 3 ) we have lost all confidence in Mr. Cooper, ( 4 )  Mr. Cooper has harmed our credit rating ; ( 5 ) we could sue and ( pursuant to the mortgage documents ) be awarded attorneys fees to be paid by Mr. Cooper. I hope that this can be resolved with your kind assistance without the need for litigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Our original mortgage was with Citi Mortgage. They turned it over to a company called XXXX.They raised raised our mortgage payment from {$850.00} to {$860.00} on a so called " projection '' that our escrow would go up and it actually would go down because our insurance went down and property taxes remained the same. Citi Mortgage will not adjust because they have passed the service to XXXX. We have tried every option to contact XXXX. Email, phone etc. with no success. When a representative would answer a phone, they were quick to hang up.

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 2019-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My doctor submit documents that I am XXXX Nelnet said they never received the documents the documents were sent two times they are giving me a run arouni am to sick to put up with this. Could you help me my phone number is XXXX XXXX I attached the documents that need s to be sent in. Could you make sure they are sent in I am very I'll and couldn't do it it's wrong to miss treat a person these documents go to the XXXX section. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: NC

Complaint narrative:
I sent a letter to Experian on XX/XX/XXXX. In the letter, I asked them to investigate errors on my credit report. They were supposed to send me the results of my investigations within 30 days, but I never received anything from them. I can only assume their response was lost in the mail.

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 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, but its the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Due to a serious health issue, I fell behind on monthly payments. I am now in recovery and I am working with a debt consolidation company, XXXX XXXX XXXX. I have been working with this company since XX/XX/2018. Would this not help with credit repair?

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 2019-05-02 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
WFS just sent me a XXXX dollar reimbursement, because they were found guilty of over charging me for XXXX XXXX XXXX. This cost was baked into my car loan, WFS gave me a derogatory payments reporting when they were charging me fees I should not have paid in the first place. This was incorrectly reported.

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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
only equifax is reporting two consecutive late payments on my XXXX XXXX XXXX account number XXXX this is inaccurate reporting cause the creditor XXXX XXXX XXXX has already removed these late payment back in XXXX, but equifax does not change this inaccuracies, i have disputed and tried to make sense with them but they are not cooperating, although XXXX XXXX XXXX has already changed their side of inaccuracies. 
please help me to correct this inaccuracy form equifax credit reporting agency thank you, i will be attaching the letter from XXXX, which represents the approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
A fraud transaction of {$450.00} by XXXX XXXX XXXX occurred on XX/XX/XXXX in my US bank checking account. I filed the first claim to US bank immediately after I found out ( early XX/XX/XXXX ). After I was notified that the claim was denied, I called the fraud department/fraud liaison center and explained why it was a fraud ( reasons being 1. I am not a XXXX XXXX XXXX member. I couldn't have shopped there. 2. The signature shown for that transaction doesn't match my signature on file ). I was told that I can file the claim again to re-open the case. So, I sent in the second claim on XX/XX/XXXX. I called back a few times to check the status and was told it's still under investigation. Eventually around end of XXXX, someone from US bank suggested filing a police report. So I filed a police report on XXXX XXXX and faxed to US bank on XXXX XXXX. 

US bank refused to refund my money back. Initially I was told the claim was denied because it's an authorized transaction. After i filed and faxed the police report, I was told it was denied because it's outside the claim window. I initiated the claim within a month, and was primarily held up by US bank liaison center personnel. I spent hours on the phone with the liaison center personnel and no one ever mentioned about claim window or anything related. In addition, no one mentioned about filing a police report until end of XXXX. 

As of now, the bank 's fraud department refused to refund anything. Only a branch manager managed to refund XXXX of the {$450.00} to my account using some local fund.

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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
My father purchased a car for me back in XX/XX/XXXX/XX/XX/XXXX. We opened a car loan with Santander Consumer USA. My father died in XX/XX/XXXXXX/XX/XXXX and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through XXXX. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling Santander and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
F.P

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I submitted an application for a Discover credit card through their website on XX/XX/XXXX. As part of the process, they noted that they need additional information to approve the card and to confirm my identity, all of which is understandable. 

However, the information they wanted was a hard copy of my Social Security card, which was issued to me ( I believe ) in XXXX or so. There's no way that this helps them in their process, and I can't understand how many applicants would actually have a decades-old card that proves nothing. 

To add to the problem, they requested this information after they ran the credit check on my account - and will now send me a letter saying my application was rejected. 

( And I've been a customer of their banking side for a number of years. ) I've applied for a lot of credit ( including mortgages ) over my career, and I've never been asked for this information previously. 

Discover listened to my concerns and complaint but could/would not offer any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for Equifax and XXXX totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX  eventually put this back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I was approved for a short sale procedure agreement by the lender of my mortgage on XX/XX/2019. A buyer sent an offer to the lender that equaled the appraised value of my home ( {$350000.00} ) on XX/XX/2019. The lender then entered into the negotiation process with the potential buyer. 
Weeks went by, and I received no reply from the lender. The Lender then decided to close the file without further notice in the middle of them negotiating with the buyer, and they are now foreclosing on the property without any notice of that decision to myself nor my short sale attorney. 
It is also important to note that the buyer is still interested in buying, in spite of the lender not holding their end of the agreement in good faith. 
Another unfair practice by the lender occurred when they chose to keep payment methods confidential during my chapter XXXX bankruptcy. I called XXXX ( lender 's phone number ) several times, and both account managers ( XXXX and XXXX ) refused to provide me with that necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I noticed a collection on my credit report for a hospital bill that I never remembered receiving treatment it says from XX/XX/2014. 

I disputed this with the credit bureaus and they stated that it was my account and verified. Then they sent me a letter saying a bunch of medical procedures and drugs that the hospital gave me as well as an itemization of everything I allegedly had that was treated for. 

Noted, there are XXXX family members that have the same name as mine only difference is our middle initial. I never received ANYTHING from this company prior at my mailing address. 

I believe rights were also violated per HIPPA since they listed medications, and what the charges were. This debt has never been proven to be mine but any 3rd party collection shouldn't be sending me an alleged bill stating that I take XXXX which is a narcotic. I'm embarrassed that there is a document with my name on it with all these services and medications listed. I am seeking a lawyer to remedy the legal aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: FL

Complaint narrative:
According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation