vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
There was a lawsuit against Santander Consumer for malpractice when it comes to giving out car loans, all consumers who met certain requirements were to have their balances forgiven, or to have their negative reporting in credit reports to be deleted. I was clearly within the requirements for this restitution ( with proof ) and never heard from them. I can also prove that I should not have even received this loan in the first place, as I did not meet requirements for the loan. 

I would like my charge off of the car loan taken off my credit report. 

There are many inconsistencies within my report and this loan. I have never received a copy of my loan application and disputed with the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2020 Huntington transferred a small Mortgage Loan of mine to another bank ( XXXX XXXX XXXX ), but they managed to transfer an incorrect amount. In the beginning of XXXX I called both XXXX and Huntington to try and fix the discrepancies between my final balance at Huntington ( {$1100.00} ) and what they sent on to XXXX XXXX {$1200.00} ). XXXX was fairly helpful but unable to do anything until they had proof from Huntington that the transfer balance amount was incorrect. Huntington refused to move forward until I received my activity statements from Huntington, which took 6 weeks to arrive at my house. Meanwhile XXXX immediately provided the document showing the loan transfer amount, which was signed by a Huntington employee. Once I had the activity statements around the end of XXXX, I began calling Hunting again, about 4-5 times a month to ask if they've resolved the issue. Around the end of XXXX Huntington decided they needed the document from XXXX and would not move forward with resolving the issue until they had it ( why did they not ask for this sooner??? ). I sent the document to Huntington that same day, and then they said they would have their research department look into and reach out to XXXX. I've called multiple times since then and each time was told that the research department has already reached out to XXXX to rectify the discrepancy. It's now XX/XX/XXXX and they still have not resolved the issue. I contacted XXXX  today and they said they still have not received anything from Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: WV

Complaint narrative:
Dynamic Recovery Solutions Alleged amount owed : {$610.00} Date : Year 2015 I called the hospital that is on this fake debt collection and they have no record of me ever being in their care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: LEXISNEXIS
State: TX

Complaint narrative:
I received a response from Lexis Nexis from my complaint on XX/XX/2021, from Lexis Nexis on XX/XX/2021, it stated the Bankruptcy case was REMOVED, from Ms. XXXX 's profile. Then I get a letter in the mail dated XX/XX/2021, and got it in mail XX/XX/2021, stated that reinvestigation was verified. I am not understating how the information was verified. Especially now when LexisNexis is inaccurately reporting information from unverified source even when the courts stated they don't not report any files to any credit agencies. I called LexisNexis XX/XX/2021, when I received the document, regarding the results and information regarding file, I called and spoke with representative, name XXXX stating that there was not any information on my file regarding documentation that LexisNexis had responded as of XX/XX/2021 to Consumer Financial Protection Bureau. You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I am including the document that was sent to me XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: RI

Complaint narrative:
PNC Bank of Ohio bought my mortgage in XX/XX/XXXX from another bank and has agreed to the terms of my mortgage loan contract & has accepted my {$530.00} payment every month for over 5 years. And PNC Bank has not contacted me to change anything with the loan agreement of my original loan of XX/XX/XXXX. I also do have not had escrow on my loan & put a downpayment of {$20000.00} of my condo. I bought the property for {$95000.00} & took out a 15 year loan with a fixed rate of 3.25 % and I have paid my local city property taxes myself for over 8 years and none of the 6 banks who had my loan gave me questions on the loan. 

In XX/XX/XXXX PNC Bank sent me a letter saying they were considering adding escrow to the account. I contacted them by letter & phone with NO Reply & told them I dont agree. I read the terms of my loan contract and it says, PNC Bank cant change the loan agreement without my authorization via my signature. In XX/XX/XXXX ; PNC Bank forced escrow on my mortgage loan and increased my monthly payment. After made many phone calls & sent letters to them, they replied their bank could do that + sent me a copy of my original XXXX XX/XX/XXXX mortgage paperwork which I had and I informed them the loan contract states differently. They have been sending me form letters never answering my questions. I still pay the original monthly payment and I cant afford their new monthly amount of over {$300.00} more. I am still disputing this with PNC Bank 1 year later and they still accept my money & cash my check monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
I engaged with WorldRemit to transfer {$1300.00} to a specific bank account in XXXX ... XXXX Account # XXXX WorldRemit did not transfer the funds as agreed into the account that was agreed upon. WorldRemit says the money was paid into a different account that the recipient does not know about and can not access. 
Now Worldremit is refusing to return the misplaced funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : XXXX  : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One has frozen all of my money and I do not have a dollar to my name. I am a self employed individual who does housekeeping for a living. They are telling me that I obtained a business loan and it went into a personal account. I operate my business under my name and social. I do not have a EIN number or a business name because it is not required under PPP rules. I need your help to try to resolve this before I file a lawsuit against Capital One. I am stressed wondering how I will pay by bills because I do not have a dime to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NJ

Complaint narrative:
Please help me, II don't know what to do. I am a victim of identity theft and I need help because my credit has realy been affected. I have been asking for help and my lawyer told me to submit a complain with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to mee. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NJ

Complaint narrative:
Please help me, II don't know what to do. I am a victim of identity theft and I need help because my credit has realy been affected. I have been asking for help and my lawyer told me to submit a complain with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to mee. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally bank offered a up to ten day deferred payment plan two months after I took the loan some 63 months ago. I accepted their deferred payment every month from the XXXX  of the month to the XXXX of each month. They automatically draw out the payment on the XXXX. To date there has never been a missed payment on this 75 month loan. Now every month the state on the XXXX of the month Im past due. Im not when they auto draft my payment on the XXXX. If this was the case why offer a ten day deferred payment. I have contacted them on numerous occasions throughout this loan to tell them to stop stating Im late when they set up this program. Today I argued with three different people. The payment will come out tonight as it always has done for the last 63 payments. I am tired of hearing Im in default when I am not. The second person spoken to stated that there is no delinquent payments in my history. None! This is what I get for paying on time every month and adhering to their offer and contract. The original date was the XXXX  of each month then why dont they auto draft it on that date. I want an apology and a credit score increase. The argument is easy on my part they breeched the contract. Not me. In fact I will on request supply all bank records at your request of XXXX XXXX payments and emails from ALLY saying two days after payment has been made thanking me for my on time payment. Enough is enough! Thank you for your time. XXXX XXXX XXXX XXXX. XXXX XXXX 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
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several law has been broken under the FCRA it over 30days Credit Bureaus never reply to my letter been sent to them to investigate my report, am XXXX XXXX about my credit based on different item been place on my report which is stopping for living my best life, I can't get any home or apt due to lack of investigation credit Bureaus fail to carry out on my credit which was so painful if I have to go to the supreme court for this I don't mind, cause many rules has been violented under the FCRA by Credit Bureaus which was really affecting me for living my best life as a lawful citizen of United State of America, I can't get a rent for myself and family, I was taken for granted my the Credit Bureaus.

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 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida sold my count to Aragon agency. When I was admitted to the hospital I didn't know they didn't put in my fire rescue with my bill. So now I have a collection on my credit report that I owe {$830.00} to Aragon agency. I will not pay this I will wait to 7 years but I think we should be taken off because I never gave them permission for Aragon agency.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX XXXX XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 AM FILING THIS COMPLAINT AGAINST EXPERIAN AS THEY ARE IN VIOLATION OF THE FCRA SECT 609-811 BY REPORTING ERRONIOUS AND FRAUDENT INFORMATION ON MY CREDIT REPORT AFTER BRINGING THIS MATTER TO THEIR ATTENTION SEVERAL TIMES LAST YEAR. I HAVE FILED A FTC COMPLAINT AND PREPARING TO BEGIN LITIGATION IN REF. TO THIS MATTER. SEE ITEMS LISTED BELOW : XXXX XXXX XXXX XXXX BANK INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation
State: FL

Complaint narrative:
In XXXX I applied for and received a XXXX XXXX XXXX for my property at XXXX XXXX XXXX. In XX/XX/XXXX, I applied for a refinance of my construction loan with Amerifirst Home Mortgage. 

My underwriting file was forwarded to XXXX Underwriting Department on XX/XX/XXXX as documented by an e-mail from XXXX XXXX, Renovation Sales Manager. I was denied approval of my loan on XX/XX/XXXX. I requested this denial due to being negatively impacted by Covid-19. 

I have written Amerifirst regarding their failure to provide a timely loan decision. I have enclosed their response asserting full compliance with XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, Amerifirst did not request any additional information from me. Prior to XX/XX/XXXX I provided my tax returns, compensation statements, bank statements and retirement account statements. From XX/XX/XXXX to XX/XX/XXXX, my credit report was run, an appraiser was appointed and a survey was conducted. I was even promised a closing date in XXXX. 

Amerifirst 's failure to provide a timely credit decision and taking actions that would indicate loan approval ( survey, appraisal, title company etc. ) resulted in significant financial harm to me and my family. If I was given a timely denial of credit I could have possibly secured an alternate source of refinancing. 

In addition, the appraisal ( s ) used in my refinancing contained factual errors as well as failure to follow well established appraisal methodologies for excess land. I have filed complaints with the State of Florida regarding the two appraisers. The key issue here is that the loan to value ratio should be below 80 % and PMI should be avoided. With the flawed appraisal reports, my loan continues to require PMI and the associated premium. 

I have provided you with the relevant letters that I wrote and Amerifirst 's response. I have provided a timeline of this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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 2021-03-22 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:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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