vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I filed a complaint on XX/XX/XXXX in response to a missing on-going extra payment we've been making to reduce Santander 's high interest rate. This has been going on since XXXX. We have been told that they are " escalating the issue ''. Unfortunately, there have been no follow-up calls as promised until today XX/XX/XXXX. I returned the call 60 seconds after it came in. After holding for an extended period of time, I received a voice message that the office was closed. This occurred 3 times -- before closing time. I called the general number. The individual saw who called me and indicated that he was unable to put the call through to the person because " the system wouldn't let him ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. 
I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. 
XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. 

XXXX XXXX never sent me a debt verification. 

XXXX XXXX  XXXX 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 2018-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one Auto is reporting a car loan on my credit report that does NOT belong to me. I contacted Capital one several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX  several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXXXXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
To whom this may concern, As a result of the damages inflicted by the last hurricane that hit Florida, My employment was affected.

Consequently I was forced to leave Florida to seek employment.

Explaining this to a member of the forbearance department with M & T BANK I was given until XX/XX/XXXX to make payments totaling {$8300.00} on XX/XX/XXXX I  was able to make a payment of $ XXXX.I am a single mother putting a child through college at the moment. Simply put, I can not afford to make that payment at the moment.

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 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We deposit annually a clients check in the amount of {$63000.00} into Bank of America. We always get bank acknowledgement from either teller or branch manager to not hold this check. XX/XX/XXXX we deposited it again and got verbal and written acknowledgment that BOA wont hold it. This money is designated to XXXX XXXX as premium fund account. In XX/XX/XXXX BOA mailed a letter to notify it was held and not paid so it cause our account to be deficient and fees ( {$70.00} ) were charged.

I talked to branch manager without any resolution. We have been banking with that branch of BOA for over 32 years.

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 2018-03-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Earlier today I saw on XXXX that someone was selling tickets to the XXXX vs. XXXX game in XXXX tomorrow ( XX/XX/XXXX ). I contacted the seller via text message. He was selling the tickets for {$110.00} each, and I wanted 2. So I paid him {$230.00} through XXXX, an application that is backed by my bank, XXXX XXXX XXXX ( so logically, I thought this company was trustworthy ). I sent him the payment through XXXX and let him know. I never heard from him again and never got the tickets. He provided his name, XXXX XXXX, and email, XXXX, which I do not know if it is legit. I also have his phone number, XXXX. I figured if he used this name and email address on XXXX that XXXX would be able to track him down and stop the money from being transferred into his account ( and before he was able to close the account ). I tried contacting XXXX via the contact page on their website and didn't receive a prompt response to fix this issue. I also tried calling the number listed on their website. They provided no option to help resolve this issue and no option to let me speak to a representative. All I wanted was to stop this money from being posted to his account and out of mine. I do not have {$230.00} to spare. I am a recent XXXX XXXX  with very little money. People like this should not be able to get away with such actions, and in addition, I want my money back. 

I have read countless posts online about how XXXX says there is nothing they can do since the buyer ( me ) authorized this transaction. This is not fair.. especially when I've attempted for hours to get this transaction to be stopped before the scammer gets his money and shuts down his account. 

I will NEVER use XXXX again and will NEVER recommend XXXX. I'm livid. 

I've reported him to the FBI Internet Crime Complaint Center in hopes he gets caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: TX

Complaint narrative:
XX/XX/XXXX I sent a 609 form stating for them to send me proof that the account or mine and just going to say they verified them I have yet to get proof from them.

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 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I never received any type of debt notice. I only found out once the current tenants in my old residence saw me and gave me information from lawyers that said a lawsuit had been filed. I also made multiple attempts to contact them and have received nothing in return from them. 
I only found the website from receiving those correspondences, and per the legal documents they are trying to take triple the amount that is owed. They are stating I owe {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX  New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This matter is in reference to something from XXXX that is now being listed on my credit. I UPLOADED THE DOCUMENT for complaint number, XXXX about CITIBANK. This is NOT a duplicate of XXXX, which deals with XXXX. XXXX is thirteen years after XXXX, and they are not the same matter at all. The XXXX matter was PAID IN FULL in XXXX. I have provided proof of this via uploads to the credit bureaus. I have old credit reports and old letters from Citibank. My issue is that Citibank is stating that I went 60 days late in the year XXXX and didn't list this information until XXXX. That isn't possible when it was paid, and I don't know how you can back-list something from twenty years prior. This complaint has absolutely nothing to do with Citibank fraudulently assigning accounts to XXXX, or XXXX engaging in Identity Theft. This complaint is about the fact that Citibank lists something as paid and then claims that I was sixty days late. There is no proof of this on their part, and there is no reason to have something listed from that long ago. We are in the year XXXX. Why isn't the CFPB appropriately managing these complaints? It's not as though there is any power to the CFPB as is ; I still have to go to court over such matters to get resolution, but claiming that people are filing duplicate complaints when they aren't smacks of more insider government pandering to corporations that are simply lying. I paid my bill, and it needs to be noted appropriately. It's that simple. Please don't make it more complex than that, CFPB and Citibank.

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 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I need to file a complaint against Bank of America. On XX/XX/XXXX I deposited {$500.00} into my account with my debit card. I got a receipt from the atm showing the transaction. Later that day I wasn't able to access my money. I called them to see what was going on. I was told by a customer service representative that my account was closed on the XX/XX/XXXX. If my account was closed how was I able to deposit the money? I didn't receive any notifications/emails/letters etc saying that the account was being closed. I've filed a claim but have been getting the run around. I went to the location where I used the atm and they were no help. When I call the number they all tell me different things. I spoke to a manager in the claims department and he 1st told me that the claim was denied! He put me on hold and then came back and said they will be sending me a check. I didn't deposit a check, I deposited {$500.00} of my hard earned money. I want my money back!!! How is this even possible that they can take my money and act like it's no big deal?? This is an error on Bank of America 's part because they didn't communicate with me, they closed my account and they let me use a debit card that shouldn't have worked if my account was closed!! I just need MY money back and not when they feel like it. This is stressing me out and I need to get this resolved now.

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 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had an Account at XXXXXXXX XXXX XXXX in XXXX Mass. The card was a combination Member/Credit card. The Credit card Co. was XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX in XXXX Ma. closed. I was told by XXXXXXXX XXXX XXXX  that I could close my account and get a total refund of my membership dues ( {$100.00} ), which I did onXX/XX/XXXX at the XXXX New Hampshire store and my refund was paid in full. I had a Cash Back rewards balance from XXXX of {$150.00} which the credit card company ( Synchrony ) was supposed to pay me in XX/XX/XXXX. I canceled the credit card on XX/XX/XXXX and they gave me a confirmation # XXXX. The credit card company is telling me that because I canceled the credit card I have forfeited my Cash Back rewards of {$150.00} from XXXX. They have told me that when I canceled the acct. I was advised that I would loose the Cash Back rewards. No one ever told me this, if they had I would have left the acct. open and closed it after receiving the Cash Back rewards check

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 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: LA

Complaint narrative:
I sent XXXX a request for validation of an alleged debt. The response sent to me is attached, but it does not constitute validation, pursuant to FDCPA. The information that was sent to me was simply VERIFICATION that an account was owed to XXXX XXXX  XXXX XXXX. The amount that is said to be owed is not congruent, and XXXX has not proven that I am the person who signed a contract with their company or anyone else or that I owe XXXX. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Also, the dates and amounts being reported on my credit report are not congruent to the dates and amounts that were sent. I have attached my proof. This entry on my credit report has so many inconsistencies and I do not have a contract with this agency, and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Focus Holding Company
State: FL

Complaint narrative:
I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. 
There is a {$410.00} charge I want removed and I want to be removed from their call list!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
Rocket Mortgage / Quicken Loans created two separate loans, one as a purchase and one as a refinance, after I clicked an email specific to rates for refinances. I did not complete the online application process, and was redirected to the online chat. This was due to their computer system moving me into a purchase application from their link about refinance rates. I told the representative during the online chat that I was only interested in getting refinance rates, as I was at an airport and soon to board a flight. I ended the conversation after I was given a rates range. I was stunned when I received notice by mail that both my and my wife 's credit had been pulled. ThI never approved an application and neither did she. These events occurred on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Good morning, I purchased a home from Navy Federal XX/XX/17 at closing my principle and interest payments were XXXX with taxes included, after tax assessments, I now pay XXXX a month which is outstanding and the result of someones inexperienced. I putting a burden on my family, please assist me. I would also ask that you review my closing documents to see how its structured and if follow XXXX XXXX and XXXX XXXX guidelines, at the time of purchase me credit was a high XXXX and low XXXX I received a unfair rate of 4.875

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2018 I received an alert that a hard inquiry had occurred by XXXX. 

I phoned ( XXXX ) XXXX, and it did not sound legitimate, so I tried going through my credit monitoring, but can not determine how to dispute. 

I never authorized a credit inquiry, and have no idea of this company.

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