vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, whom we do not and never have held a mortgage with, erroneously paid our XX/XX/XXXX XXXX County property taxes and is seeking reimbursement. I confirmed XXXX XXXX made the payments with the XXXX County Treasurer 's Office. On XX/XX/XXXX, a XXXX XXXX Claims Processing Representative explained our tax ID # is similar to one of XXXX XXXX 's customers ( differs by a digit ), thus, XXXX XXXX paid our property taxes in error. Based on internet research, XXXX XXXX has made many errors in regards to property tax payments. 

Initially, our mortgage ( a FHA loan ) was with Bank of America. The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically, Bank of America made our property taxes to XXXX County without issue. However, when Bank of America made our XX/XX/XXXX property taxes, the payments were returned as they had been paid by XXXX XXXX. Bank of America failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the check form. 

When we received the refunds checks, we contacted Bank of America for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned. Bank of America sold our mortgage to XXXX in XX/XX/XXXX. Our mortgage went to XXXX 's books with an escrow balance. XXXX issued us an escrow refund check, however, no explanation have been obtained from them. 

On multiple occasions, we 've contacted Bank of America and XXXX to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.

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 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JTM Capital Management, LLC
State: PA

Complaint narrative:
At approximately XXXX I received a phone call from a number that I did not know while I was at work. When I got the chance to call back the number the recording stated the company name as XXXX. I further listened to the prompts and then a representative came online say that this was an attempt to collect a debt. I asked the person who said that his name was " XXXX '' to please send me everything in writing so that I could validate this debt. He then states that he can not do this because I had been contacted before by other collection agencies and had a breach of contract with them and that he was a mediator trying to settle the debt before taking this matter to court. I simply stated that I was at work and that I would have to give him a call back. Before I hung up the phone I asked what was the name of the company that he was calling from and he stated that he was calling from " XXXX ''. Once I got off of work I tried to do a business search of this company and found nothing. I did a reverse number search and nothing came up except stating thAt this company was a scam and listing all of the numbers associated with the number that had called me. I then proceeded to call back and spoke with a " XXXX '' no last name. He give me all the legal jumbo saying that we are on a recorded line. I once again asked for validation of the debt in writing and he said that he could only do it if I gave him my banking information and then he would send an email stating that the debt was paid. Once again I asked for validation of this debt to be sent to me and he said that he will note that I refusing to pay the debt and that they will send e my subpoena to show in court

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2017, I disputed some hard inquiries on my Equifax credit report that I do not recall authorizing. I checked the status of the dispute on XX/XX/2017 and my results were ready. However, the date that the information was verified by Equifax shows XX/XX/XXXX. That 's the same day I initiated the dispute and I feel as if they did nothing to actually verify if the information was factual. The statement or response that I received back from Equifax is that the items were indeed factual. After viewing the results, I called Equifax and asked them their process of verifying that the information was correct and I asked how they were able to verify and investigate so quickly. I was told by 2 representatives that they do n't dispute inquiries and that I should just wait and let them fall off of my credit report when the 2 year time period is up, or either contacting the creditors. One of the creditors is a car dealership. I called the number on the report, but this particular dealership is no longer the same and has been bought by another company. I called Equifax again to explain this and I asked again their process of verifying the information, because clearly, an investigation was never initiated if they did not know that the dealership is now owned by another company. Again, I was told to wait until the inquiries fall off in two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) AND 611 ( A ) ( 1 ) states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received results in 2 days ( even though on the dispute status page, results were ready on XX/XX/XXXX ), one can assume that there was no investigation into the matter. I 'm at the point that I 'm frustrated because no one I 've spoken with at the credit bureau is even taking the time out to listen to my complaint. I am a single mother of XXXX who 's trying to rebuild my credit so that I may qualify to purchase a home. The hard inquiries on my credit report display as a sign of financial trouble when it 's not at all the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that I do n't recall authorizing. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I made 99 payments to the Santander Company of {$290.00} a month. The sale price for the car was XXXX. Paid {$29000.00} at which Santander said 55 % went towards interest. 
In approximately XX/XX/2011 they repossessed the car a XXXX. Received no communication until now. Have no idea how much they sold the car for. Recently we checked my credit and they charged it off and they say I owe them {$6000.00}. How can that be when I paid them {$29000.00}? I need for them to at least take the negative comments off of my credit reports. I believe that paying over 55 % interest is illegal. I would advise anyone not to get a loan with Santander. They say they will clear my credit if I settle with them for {$2100.00}. Can you believe this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: DE

Complaint narrative:
My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am still having issues with Equifax updating my credit report. They are still showing a student loan which is no longer open. I Feel that Equifax is also artificially holding down my credit to force me to pay higher interest rates. Since I have received an updated credit report XX/XX/2017. I am seeking an attorney for a law suite as well as forwarding this and my credit report to both U.S General Attorney and General Attorney of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ZENCO COLLECTION, LLC
State: SC

Complaint narrative:
ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX have a duplicate acct ln my report. Fifth third Bank checking acct XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
A few months ago, my daughter wrote to the Consumer Finance Protection Bureau about Santander and I wanted to put my two sense in too because Santander is an awful company. It preys on disadvantaged people. 
I am on a fixed income. I no longer work because of my XXXX. However, I had a need for a car because transportation is very limited in GA. So, when I was approved for Santander I was naturally happy until I realized these past years what they have been doing to me and many others like me. 
Most importantly, I am writing this email because while rifling through my paperwork I noticed that the contract I had for Santander does not match my car. I requested ( had my daughter to request ) a copy of the original contract from Santander a month ago and I have yet to receive a copy. I think they are aware of their error but continue to collect money from me for a car that is worth less. The only paperwork I have does not match the car I have. It was a while back and maybe I am mistaken but I will attach the information I have to prove this error. I have asked them to send me paperwork to verify and have been ignored until this day. I have tried to establish an online account with them to keep track of activities and payments and I have been told I need to pay the entire amount due first in order to gain access. How am I to track and verify all the fees I am being charged? So, I am writing this letter to get some kind of response and help for their deceitful ways. 
I am old, tired, and XXXX. I do not wish to continue fighting with this company, they wear me out. I just need help and clarification. I am very disappointed in Santander. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter. 
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim. 

Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. 

I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully. 

" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817. 
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX. 
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX. 
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called and wrote multiple letters XXXX to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.

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 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX, I began having to make my full student loan payments back to Navient. I had taken out XXXX loans through Navient XXXX formerly XXXX ) for school, one of which has been paid off. My monthly payment to Navient is {$460.00}. At the beginning of my repayments I asked Navient employees what my options were for lowering my monthly payment, as I did not have a full time job at the time ( and not until the end of XXXX ) and could not afford to make my payments. I was told I could not defer any of my loans as I was no longer a student, and my only option was forbearance - which meant paying $ 50/loan upfront ( {$150.00} in my case ), allowing you to have a monthly payment of {$0.00} for the next three months. So, my only option to " lower my monthly payment '' was to pay {$150.00} ; I needed the money to live and pay other bills. Navient also informed me you could only do this " forbearance '' for one year. So now to " lower my monthly payment '' for only one year, would still cost me {$600.00}. And once the year is up, the payment goes back up and I am back to square one. I am more than willing to pay back the loans but can not afford what I am paying currently. Navient has the worst customer service of ANY business I have ever dealt with in my life. They are unwilling to help and refuse to do so. I have constantly made calls over the past XXXX years telling them I can not afford these payments and that they are outrageous. I pay less money for rent ; that is appalling. I deter anyone I can from applying for loans with Navient. They have the worst service, hassle borrowers with phone calls when payments are late ( more than one call a day ), and do not give any options of fair repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: HI

Complaint narrative:
-Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. 

-The alleged debt that is being collected was disputed several times from multiple collection agency -According to the collection agency, the unpaid debt was with XXXX which was my wireless provider at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I saw a photograph scanner advertised on XXXX in XX/XX/XXXX. I ordered the scanner for {$300.00} and I was told by the merchant it was a special program in cooperation with XXXX for a low price and to buy an XXXX gift card for {$300.00} and use this for payment. I bought the gift card and paid for the scanner. It did not arrive and after two weeks I contacted XXXX about this. They said it appeared to be a scam, despite being listed on XXXX and they refused to accept responsibility for the fraud. I had charged this to my credit card " XXXX XXXX XXXX '' from U.S. Bank, ending in XXXX, believing their advertising claims that this card would protect me from fraudulent transactions. They have denied this claim for {$300.00}, which appears to be a breach of their contract with 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
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
1 ) Navient failed to update my credit report in timely manner 2+ months 2 ) Interest is unfairly accumulated, even with pending payments. Interests is added daily, and it takes several days for a payment to go through. Ex. A loan payment submitted on Monday for the full pay off amount, will not cover the entire balance by the time the payment is processed, resulting in still owing more money on the account that had a payment posted to settle the entire balance. Should it not be compiled at the ends of each month?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The process to do anything about student loans is ridiculous. I 'm trying to consolidate my loans and I have had to deal with at least XXXX separate agencies to accomplish this. Student assistance Corp, Navient, and now studentloans.gov. Stop making everything so complicated. When I called Navient for details on all of the information about my loans the call center rep was n't really sure about all of the loans that I had with them. She also stated that she did n't have access to all of my accounts. That leaves me with zero confidence that anything that is being serviced by them is legit.

Company response to consumer: Closed with explanation