vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
After several attempts to reason with a bank that is unreasonable, and certainly capricious in its operational practices, I insist upon explanation as to the conduct of Santander Bank with regards to both the XXXX and HELOC, the validation of both accounts, and the errors that Santander Bank has made and failed to rectify since XXXX, XXXX with regards to all accounts between myself and Santander Bank.

It has been documented, supported and admitted that " Santander dropped the ball '' in the Autumn of XXXX ; however, in the process of my attempts to rectify and relieve myself from Santander Bank, I have been met with the greatest level of discourtesy, and certainly ( XXXX )/ ' business practices, that lead me to full and complete distrust of Santander Bank . IN the present, this is most evident in the rejection of payment in a letter from Santander bank dated XX/XX/XXXX with a return of funds equal to {$500.00}, and the refusal to place policy into writing regarding the payoff and expectations of performance by Santander Bank to me in advance of full payment. It is no wonder why Santander Bank has such a poor reputation ; however, to have found such letters of inteniion from Santander Bank online lends supportive evidence to distrust. Furthermore, a healthy suit to the tune of {$10.00} XXXX dollars due to Santander 's mismanagement of fraudulent behavior regarding XXXX is a fact that is inescapable. 
I particularly draw my attention to the poor behavior and indifference as received from XXXX XXXX, XXXX XXXX, and XXXX XXXX of the Santander Collections Department. 
Furthermore, the fact that a confirmation # XXXX on XX/XX/XXXX has never been responded to by Santander Bank. " Respect '' is the last word that should ever be associated with this bank, so much so that the XXXX XXXX XXXX PA Attorney General could not resolve the matter ( XXXX ). 

Additionally, as I understand it, the fact that Santander remains placing this " charge off '' on the record after this considerably lengthy time period is likely in violation of certain provisions of the consumer protection law.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Asked for validation from original creditors, and written deal and terms. Told them I had a dispute on one XXXX XXXX account that was never refunded, company will argue that they sent validation but it not the original contract with any itemized charges to prove the amounts are correct, they have 4 accounts and threaten to sue. And refused to send anything written I asked for validation multiple time and gotten they sent it, its not telling my anything they dont have the information I need to validate or just refuse to send

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
Send the money on XX/XX/2023. Received updates after two days via Remitly app and email that the amount has been deposited in recipients account successfully. Received a call from recipients on XXXX of XX/XX/2023 that the money has not been received. I have contacted the REMITLY costumer Service various times but they are making excuses that we are investigating the matter, you will received your money soon. Also they requested for recipients bank statements from XXXX XX/XX/2023 to XXXX of XX/XX/2023 which was sent to them but no fruitful results. After passing of 26 days they have not succeeded to deposit the amount in the recipients account because of which my kids education if effecting badly and me and my wife are very depressed because of our kids education because the recipient teachs our kids online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had been waiting over a month to get a check from my great aunts estate after she had passed and I finally received the check for {$2000.00} on Monday, XX/XX/XXXX. This check is from XXXX XXXX, where my great aunt had a trust account for her estate. I signed the check and deposited through my Wells Fargo XXXX app and within 30 minutes I had received {$400.00} of the 2000 which I used 100 to pay off my credit card, which is also in Wells Fargo. I woke up today, the morning of Tuesday, XX/XX/XXXX to $ XXXX in my account and a notification that the entire {$2000.00} check is now on hold. 

I now am scrambling to find money to deposit into my debit account to avoid overdraft fees from a credit card payment which I never wouldve made had I known access to my own money would be restricted the following day. It is still Tuesday, XX/XX/XXXX and I just returned home after having a discussion with a banker at my nearest Wells Fargo branch, who while courteous, was still unable to release any of the check, let alone the portion that was released and used yesterday. My brother and grandmother both received checks from the same trust account, signed by the same lawyer, but they deposited in XXXX and have not had any issues in their process, this seems purely a Wells Fargo issue. 

I feel this is an extremely predatory practice, because now not only are they holding onto my money till XX/XX/XXXX for no apparent reason, but they also granted me access, allowing me to spend money just to then take away access and make that money spent be subject to an overdraft fee.

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 2023-04-25 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, # 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 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 explanation
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, # 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: OH

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
I found a credit note was filed in my history from a utility company I have never used or had any contact whatsoever with. The utility is XXXX XXXX and a debt for a person residing at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX for around {$800.00} was turned over to the Collection Agency Transworld System Inc, XXXX XXXX XXXX XXXX, XXXX, De XXXX. I have never lived in XXXX. Ive lived in either XXXX or XXXX XXXX Utah for over 50 years. The power company I use is XXXX XXXX XXXX. I can provide account number showing my service at my current address for the past 9 years. I have never received any correspondence, notice of collection process, or a letter from Transworld attempting to verify my personal information. I believe a person with the same name, ( XXXX XXXX ) used my social security number at the XXXX address to obtain service from XXXX who then turned the unpaid bills dating from XXXX - XX/XX/2022 over to Transworld for collection. This was fraud and has negatively impacted my own credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: OH

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-25 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: Experian Information Solutions Inc.
State: FL

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

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 2023-04-25 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX # XXXX # XXXX # XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I took out a loan ( account number XXXX ) with Santander Consumer USA in XXXX for the purchase of a new boat.The boat is a vessel documented with the United States Coast Guard and thus does not have a state title. I paid off the loan in XXXX of XXXX but never received a satisfaction of mortgage. I sold the boat in XXXX of XXXX but the person buying the boat is unable to get the boat documented with the Coast Guard as Santander USA has still not submitted a proper release of lien to me or the Coast Guard. I filed a complaint with the CFPB and Santander sent me a lien release on XXXX XXXX. This lien release was sent to the Coast Guard National Vessel Documentation Center but was rejected as " the satisfaction of preferred mortgage is not eligible for recording because the legal capacity of the person signing on behalf of XXXX XXXX is missing. " The Documentation Center is requesting a new instrument be sent that includes the required information. I spoke to Santander Consumer USA today and was told that they would not accommodate my request and that I should file a second complaint with the CFPB. My first complaint with CFPBXXXX am requesting your assistance in getting Santander Consumer USA to submit an acceptable lien release to me and/or the National Vessel Documentation Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a college student from XXXX XXXX. I opened a bank account from Bank of America and I deposited a fake check of {$2400.00} in late XXXX, 2022. I was looking for a replacement to take over my apartment lease but the person turned out to be a scammer. Of course, I realized right after I deposited the fake e-check and the money bounced back right away. In about 6 months, in early XXXX, Bank of America suddenly closed my bank account which still has money of about {$1100.00}. I have been trying to talk with BofA customer service, but they always keep telling me to just wait until they finish their investigation and they always say how long it will take. I have been calling them for the past three months, they always answer the same thing. I am graduating and going back to XXXX XXXX in XXXX. If I can't get my money back by then, I have to lose my money since I have to seek a job in XXXX starting XXXX. I did not do anything wrong but deposited a fake check from an unknown person. The money just bounced back right away so I've never been able to use any amount from the fake check. But bank of america closed my bank account without any notice and also reported me to XXXX system and still hold my money not giving my money back. This is unfair. They do not talk with me always read the lines saying " wait ''.

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 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: TX

Complaint narrative:
XXXX After receiving calls from my sister, mother, father, wife stating someone from " SRS '' was trying to find me, called the number of XXXX. Got hung up on the first time, then I called back. They had contacted my mother alone, 3 times! 

Finally got out of the rep the company is Spire Recovery Solutions and they are wanting me to settle an account XXXX XXXX ) for {$930.00} which I stated I was not familiar with. 

I advised them I need to validate the debt, and to desist communicating with anyone but me on this account. I confirmed they have my contact info, but they would not confirm they would not call others regarding this matter. I also sent them an email asking them to not contact anyone else. 

Spire 's contact info : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX More hours Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We were approved for the Florida Homeowner 's Assistance Fund program. The program is paying for our mortgage payments between XX/XX/XXXX- XX/XX/XXXX. I can see in the online portal that the XXXX payment has been received, but it is sitting in unapplied funds and not applied to our loan. We are receiving letters stating that we are two months behind on our mortgage, even though the funds are just sitting there. Whenever I call, I am told that the problem will be corrected and our account will be brought to good-standing, but it has not been resolved after multiple attempts. Now our escrow account is a mess because XXXX XXXX is doing an escrow advance to cover our PMI payments, since the escrow funds from our mortgage payment are just sitting there and not being sent to the escrow account. Please help us fix this error. 

Also, as of today XX/XX/XXXX, XXXX XXXX is stating that they have not received the XXXX payment from the Homeowners Assistance Fund. HAF confirms that they mailed the payment on the XXXX, as they always do.

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KEYCORP
State: FL

Complaint narrative:
XX/XX/XXXX XXXX Robocall from XXXX XXXX XXXX threats of legal action sheriffs office and other more ominous action I called number back to inquire what on earth as to best of my knowledge i have no legal issues Person answering identified themselves as a debt collector XXXX (? ) made reference to an old Key bank account closed in XXXX in XXXX or XXXX i informed them that i was on the National Do Not Call Registry and that the debt in question was over 15 years old and well outside any collectible statute and hung up. 
I am currently living in XXXX statute for unsecured debt is 5 years in XXXXXXXX and XXXX in XXXX  XX/XX/XXXX XXXX XXXX Robocall again making ominous threats about a sheriff office complaint and legal action from XXXX XXXX XXXX robocall provided XXXX XXXX XXXX as call back # again person claiming XXXX be from collector XXXX (? ) i again informed them that i am on the National Do Not Call list and that the bank account was closed back in XXXX or XXXX and was well outside any statute of limitations and to conduct themselves accordingly. I have reported to the matter to the Florida Attorney General hotline and additionally will be also to the Office of Financial Regulation I had blocked both # s but have put them on caller id and will be saving any further attempts to contact me and hopefully will be able to save the threatening recordings

Company response to consumer: Closed with explanation