vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
My issue is with Chrysler Capital. 

A little over a year go I needed to purchase a vehicle so that way I could work. At the XXXX XXXX XXXX there was a really nice 2018 XXXX limited edition truck that I was interested in getting so my boyfriend at the time talked to them about it and I filled out the credit application and they called back and told him that we would be able to do it and that the interest rate would be 7 %. So we headed down there to talk about it some more, they seemed very rushed to get me to sign the papers, honestly they were really pushy about the whole thing. So I signed the papers and we left, because they were rushing it and being so pushy about me buy this truck I didnt go over the paperwork in the Dealership, and this was my first time buying a vehicle so I didnt really know what I was doing and they took advantage of that. I was looking over the paperwork when I got home and noticed the interest rate wasnt 7 % like they had told me it was but it was instead 16.28 % and its financed through Chrysler Capital. After I found out how much the interest was we called the dealership and told them we wanted to bring the truck back because I didnt agree to that but they wouldnt take it back. {$41000.00} was they amount financed through them and after i will end up paying {$65000.00} for this vehicle. I have tried to talk to Chrysler Capital about this and they just told me I had to take it up with the dealership. My payments are {$870.00} a month and I can not afford that. I really struggle with making that payment and I have told them that and when I end up being late they call me sometimes 8 times a day and when I do answer and try to tell them whats going on sometimes they have been pretty rude to me about it. It honestly feels like harassment. I lost my job and it took me a couple months to find another one that paid decent then I got kicked out of my house and I had to find a new one so now I have rent and bills and have to buy food and I really struggle with this, its either pay the payment or be homeless and starve and if I pay the payment then I dont have enough money for food or my house and I will be homeless and starve. I have told them this and they wont do anything to help me. If I lose this vehicle then I wont be able to make it to work, its just be all on my own and I think that they have really pretty much screwed me over. I think that the reason they made the interest rate so high is because they were the only ones that agreed to finance my vehicle and they knew that so they knew I didnt have any other option. They did give me one extension for the two months I didnt have a good paying job but that didnt give me any time to be able to catch back up. The stress this has put me under hasnt been good for my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: U.S. BANCORP
State: MI

Complaint narrative:
I have a credit card from Elan Services which is valid till XX/XX/XXXX, they made two new " Hard Inquiry '' on my credit report on XX/XX/2019 without my authorization. I also have a supplement card for my son, they have made a similar hard inquiry on his credit report too without his consent. 

I what to report this and also what this company to remove the Hard Inquiry. 

Elan Financi XXXX, MN 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 2019-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
In XXXX of this year my brother received a call from XXXX XXXX, XXXX and told him I needed to contact them on a past credit card I owed on. I contacted the company and I was told I had an old credit card balance in the amount of close to {$2000.00} but the creditor would settle for around {$1000.00}. I asked for verification and asked who the company was. They told me they couldn't give out this information but they were getting ready to sue me. I told them it wasn't on my credit report and they explained they didn't have it on there which I thought was strange. I have paid this company {$60.00} a month since XX/XX/2019. I did find out from a representative it was from a bank called HSBC Bank and I have never had a credit card from them. I called asking for my money back but they will not work with me. I do not owe them anything. It is a scan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank overcharged us {$550.00} in interest. They sent us a letter to notify us, we did not discover this on our own as we pay off our cards every month. We called to understand how this could have happened, over what time period, etc. and were told they did not know but that they were sending a check to rectify the situation. Citibank breached their agreement with us as consumers. 

We told them them that sending a check was not good enough, we felt like they should pay us the interest on the {$550.00} they would have charged us if we had accidentally left that amount outstanding on their card. 

The agent demurred and said that was not possible, we canceled the card on the spot. Note we have been a Citibank customer for over 25 years with this credit card. We only have two cards, now down to one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
XXXX REFUSES TO REINVESTIGATE XXXX XXXX ACCOUNT XXXX, THAT IS WRONFULLY APPEARING ON XXXX AND TRANSUNION. 
I HAVE PROVIDED FTC THEFT REPORT XXXX REGARDING THIS XXXX XXXX ACCOUNT SO AS TO FACILITATE THE PROTECTIONS AFFORDED BY THE FCRA REGARDING IDENTITY THEFT.ALL CHARGES MADE ON THIS ACCOUNT WERE MADE BY AN ID THEFT THIEF.XXXX XXXX IS AWARE YET WANTS ME HELD ACCOUNTABLE FOR THE LATES.RIDICULOUS! 
BLOCK THIS ACCOUNT IMMEDIATELY ACCORDING TO FCRA.ADDITIONALLY XXXX UPLOAD SYSTEM DOES NOT FUNCTION AT ALL.THIS ACCOUNT WRONGFULLY APPEARS ON TRANSUNION AND XXXX.XXXX REACTED TO THE FTC REPORT AND DELETED THE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ME

Complaint narrative:
I am not aware of this company. Also if this is XXXX XXXX XXXX, they are prohibited from any collections activity, as per letter received in 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: TX

Complaint narrative:
I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   Inquiry from XX/XX/2019 XXXX  XXXX XXXX   Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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: CA

Complaint narrative:
I owed us Dept if education {$1500.00}. I made payments monthly and made the final payment if {$260.00} in XX/XX/2019 where the account was paid in full. The status was reported to all 3 credit bureaus as paid ( equifax, XXXX and XXXX XXXX ). In early XXXX the account went back to me owing {$560.00} and is still in collection with Equifax and my credit score dropped by 40+ points. I disputed with Equifax and called US Dept Ed. The dispute was closed with the inaccurate information again so I filed a new dispute with XXXX Equifax and US Dept of Ed. Ive done this 3 times in the last 2 1/2 months and the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
continuous calls, several on a daily basis, refusal to provide any information to legitimize any bills they are trying to collect. Rude, abusive language. Refuse to stop harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
On XX/XX/19 I called the bank about its XX/XX/19 Annual Escrow Statement which included a Review the Escrow Account History ( XXXX ) detailing 10 ( not 12 ) months of activity, missing XXXX. With 12 months there would be an escrow excess over the required {$1800.00}. In its Review the Upcoming Escrow Account Activity ( XXXX, it lists a XX/XX/19 {$2100.00} tax payment for the second half when it had a bill which required a XX/XX/19 {$2000.00} tax payment for the first half.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Dealer services had my car repossessed on XXXX XX/XX/19 at XXXX. I woke up to a banging on my door at XXXX regarding my car. I was told I needed to hand over my keys by a large man maybe 3x my size. I asked if he could wait and that i needed to cal Wells Fargo and he said no. He said my car popped up on the registry 30 minutes ago and if they didnt pick it up someone else would. At this point, a few of my neighbors were in the hallway because of the noise. I get my keys to go downstairs to see my car on a tow truck. I live in a small building with 8 apartments and a private garage for the residents of the building so they forced themselves in because no one would have let them in. The guy said they made a lot of noise getting my car out. Before I could hand over the keys, the guy took my car key out of my hands. I asked where the car was going and he said just pay the bank what you owe to find out. They refused to give any paperwork or talk to me further. I filed a complained with the office of president affairs the same day ( XX/XX/19 ) regarding this unlawful possession and they still have yet to follow up. They have said that if the repo company says they didnt do it they will take their word. I sent Wells Fargo pictures of my garage which show it isnt open and the repo company said they were let in by someone which is false. I have spoken to Wells Fargo multiple times a day each day to follow up on this case and there is no resolution at this point. I have made the payments to get my car back and still dont have it because they delayed the processing and the repo company would not offer times for me to pick it up today. I now have to wait till Monday and call same day to pick it up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2019, I filed a dispute with Fifth Third Bank for {$63.00}. On today, XX/XX/2019, I stayed on the phone for over an hour calling the dispute dept. directly and no one answered. Via the customer service line, I got a dispute person but no one had started working on the dispute and the call was dropped. The {$93.00} dispute was unprocessed and not addressed at all. Dispute case no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence Resource Manage put a bill from XXXX on my collections account against my name. I never had a XXXX phone. My renter XXXX XXXX had a XXXX   phone and the bills keep coming to the address she use to rent off of me. She owns a church XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX, PA XXXX XXXX Some how this collection agency is now putting her XXXX cell phone bill on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I walked into a XXXX XXXX to make a large payment {$2500.00}. Before I went there I called Capital One and they said I could make a large payment at the store. I went to desk and made payment, or so I thought. I then received my statement and it indicated that the payment was not processed correctly by the employee correctly at the store. I immediately called the Capital one and spoke with a supervisor. The first supervisor told me that the account had accrued {$70.00} in interest, I was told that if I made a payment by the next due date then the XXXX dollars would come off, so I did a complete balance transfer. Additional charges were made to card, so I called to make another payment and to see if the XXXX dollars had been removed. I spoke with a second supervisor I was told that there was not XXXX dollars in interest and that the first supervisor had suspended the interest so I would not have to pay interest until a payment was made. I argued that the first supervisor had stated there was 70 dollars but the 2nd supervisor stated there was not interest because it had been suspended, I didn't agree but I paid the balance. In the meantime I had dropped a class from a local college I was told by the school that the money would go back into the Capital one card, so I called today to see if the money had been returned. The automated service said that there was a finance charge of XXXX dollars, so I spoke with a third supervisor he stated that it was interest from the account that had collected and that it was being assessed to my account. When I asked if he could listen to the previous record of my phone calls he said he would not going to do that, I asked multiple times for someone to dispute these charges he said he was the only person I could dispute charges with. Multiple mistakes have been made and it seems the only person paying for them is me, first my payment was not processed properly and intrested accrued. I was then given the wrong information not once but twice by two different supervisors, I was then again assessed interest which I was told had been suspended but had not been. I also find it very convenient that the day I clear the account more money is charged not two days later on an account that should of had a zero balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
I was renting apartment in XXXX, MI and the utilities was submitted through the landlord. I notified the landlord that I was moving and set a date to move out. I move out on the agreed date. The landlord must of kept the utility bill running for months after I left. I never received any notice from Consumers energy or the landlord of any bill. I later received a phone call from a collection agency stating I owed on a utility bill from consumers energy. I was confused but I agreed to pay the bill but the company needed to remove it from my credit history etc- since I had not clue that occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Using incorrect information, this is not a charge off, using over 4,000 robots calls, using fraudulent information, violating my rights by not informing me of court dates without a summons, this account been close.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
Called today checking on my free credit report : - Equifax mailed it to the wrong address! 
Why will they not update my file with my current address? Equifax today stated they can't do this, '' update my address '' - but I have letters from them stating they will mail me at my correct and current address. - they even mailed me two letters about this stating it was acceptable. Today I was told to go to XXXX - It doesn't work for my IP number and the CS rep. knows this. 

I spoke with Equifax on XX/XX/XXXX and said it would be mailed out to me at my XXXX address. What a liar! Today I was told it was mailed to my last old Colorado address which is 14 years old and not valid. Please recall this mail back to Equifax and send it to my current address. Conf. # XXXX. 
I have sent Equifax - My CO  and XXXX Dr . lic., my XXXX electric bill, IRS letter with ss # and XXXX address, a 1099 with my XXXX address, my SS card and a copy of Equifax 's letter to me with my XXXX address. Every month, my creditor mails a statement to Equifax with my XXXX address on it. it is obvious they disregard it. 

Today I spoke with CS, I was told that my current address was only entered as a personal statement in my report. It could not be enter as my address and they refuse to mail my credit report to me, even though their letters were mailed to me at my XXXX address and were required to be scanned and faxed back to Equifax with my ID data.

Company response to consumer: Closed with non-monetary relief