vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased a {$5000.00} CD for 1.24 % from People 's United Bank on XX/XX/XXXX which was scheduled to expire XX/XX/XXXX. I received a phone call from the bank representative about a week before the expiration telling me that I could roll over the CD at the going rate, or close out the CD and come into the bank with ID to collect the money due. I was about ten days " late '' when I went to the bank and was told that I could not close out the CD and it's earnings without a fee of {$100.00} which is more than the {$80.00} the CD earned AND that the CD was automatically renewed, but at a rate of 0.04 %! The bank representative asked me why I did not respond to the letter sent to me with this information but NO LETTER was ever received AND the banker who called me never told me that the renewal rate on the roll over would drop from 1.24 % to 0.04 %.

I believe I should have received a letter explicitly stating that the rate would drop and the bank person should have told me this. I asked to simply change the CD to a better rate but the bank refuses. This is not proper. I would like to file a formal complaint against People 's United Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.

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 2018-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
For over 4 years I have had an ACH set-up to take my payment. State Farm Bank recently took back the servicing of the loan and removed my from ACH. They did this because of a chapter XXXX that was filed almost 5 years ago and is set to discharge in XX/XX/2018. To make it worse, they stopped ACH and I rec 'd only a couple of days notice before payment is due. This is about as poor of a job as a mortgage company can do to help a consumer. All they had to do was nothing. The payment would have continued to be received automatically for years to come. Very disappointed in State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been placing a debt on my credit reports since XX/XX/2016 of a bill that is not mine. I have called billing and even sent them a cease and desist order. They in turn send the bill to the collection agency of Transfinancial last year and removed it and now as of XX/XX/XXXX it is back on my credit report as a collection. This is not my debt but a debt of someone else. I called XXXX XXXX XXXX XXXX   XXXX billing and they said they removed my name from the bill but will not contact the collection agency to have the bill removed. I asked them for a letter stating the account was being removed from my name and they refused to send me a letter. I called the collection agency and they stated they refused to remove the bill from my name even though I explained to them it is not my bill. The representative told me that she was not removing the bill and said she was going to ruin my credit. I told her that that was not legal and I worked for a law firm and advised her that her company could be sued for purposely not removing the account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have 2 Capital One Credit Cards. One of them is reporting to the 3 credit bureaus and the second one doesn't report. I called in several times and They always mailed me a letter stating that they verified that it is reporting, ALTHOUGH IT IS NOT. 
I WILL ATTACH SEVERAL LETTER FROM THE PAST YEAR SHOWING THAT CAPITAL ONE DENIES THE FACT THAT IT'S NOT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask the Hyundai XXXX XXXX XXXXXXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with the Hyundai XXXX XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I use bill pay on a regular basis to pay rent, this month payment hasn't been delivered with over 10 days, they debited account for this whole period as a result apartment is charging me additional late fee and gave me an eviction notice. Chase is stating that it's out of their control and it's not their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze be on my XXXX XXXX XXXXt. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH

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 2018-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX  XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rossi Law Offices, Ltd
State: RI

Complaint narrative:
I received a bill from Rossi Law Offices , LTD in the amount of {$41.00}. I sent out payment immediately as they were claiming to be collecting a debt for the City of XXXX XXXX. Payment was mailed by check the first week of XXXX in the amount of {$41.00}. The so called law office failed to cash the check and has now sent a bill for a slightly different higher amount. This debt was a debt that my ex-wife should have paid as a result of our divorce. This debt collector is playing games. It appears I will need to put a stop payment on this check and who knows what they did with it. A quick search on the internet demonstrates this is their MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Citibank, N.A., Best Buy ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Citibank, N.A., Best Buy is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

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 2018-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Closure Date : XX/XX//2016 Charge off Amount : {$1000.00} I contacted them to understand the charges but they refused to disclose the information and said it was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I got caught in a timeshare fraud while in XXXX. I charged about {$7500.00} on two cards. One was {$3500.00} to my Wells Fargo Visa card which they retuned to me but the {$3900.00} on my Wells Fargo XXXX XXXX card was rejected. Four days after I signed the contract on XX/XX/XXXX, I emailed the company and said I didn't want it. I again emailed the company on XX/XX/XXXX. I informed the credit card companies on that date also. The WF XXXX denied my request, saying I did not follow the directions on the contract to cancel in writing not email. I involved the Mn attorney general and they did what they could, including sending a letter to the address I had for the timeshare company but it was returned with no known address. The MN ag has had no luck with WF XXXX. They suggested I contact you. Thanks for any help you can give me. I no longer have the card.

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 2018-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2017 my wife and I went to look into purchasing a XXXX XXXX XXXX at the XXXX dealership in XXXX. The sales man showed us a white XXXX XXXX XXXX. We listened to the sales man and after negotiations back and forth he came up with an out the door price of {$30000.00}. We agreed to that price as the agreed upon price. He showed us this amount on a white piece of paper that he kept and did not give us a copy of, we didn't even get a chance to see the interest rate since we just got a chance to glance at it. At the moment, we didn't think much of it. We were okay with the XXXX price. When we went into the office to sign paper work the lady who did the paperwork said that her printer was not working fast enough and that she would just show us the paperwork on the computer and that I sign on the electronic pad. On the final paperwork it said that the agreed upon value is {$31000.00}. My wife told her that the amount on the paperwork was wrong and she said it was not because they would just write down that we gave a down payment of XXXX. My wife said that it was not true. She said that it was just a good deal that they had to put a value there but that we were just going to have to pay XXXX dollars in cash and not what it said in the paperwork. I was confused but she said to just sign and that we were still going to get a good deal. We thought this was true at the moment but after having someone else look at the paperwork and learning more about leases we learned that the XXXX XXXX XXXX XXXX is engaged in illegal practices in order to generate higher revenues. They changed the numbers around so that the capitalized cost of the vehicle would be higher and that our monthly payment would be higher as well. They also kept the paper that gave us the quoted amount and didn't disclose the interest rate to us. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
COMPLAINT TO BANK OF AMERICA : I am writing to let you know that because XXXX XXXX XXXX XXXX Department refused to take my case as a fraud transaction I lost {$63000.00} on my XX/XX/2017 transaction. 
I just show evidence below which is the letter from XXXX XXXX Bank to response my request. The letter is attached for your review. 
In the letter, XXXX XXXX Bank said :. Upon receipt of your letter, XXXX made several attempts to speak with XXXX XXXX XXXX XXXX Department in an effort to obtain additional information about the transaction ; however, we have not been successful as of the date of this letter. 


You can get the detail info about this fraud transaction from my other two complaints.

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 2018-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
XX/XX/2014 XXXX I contacted the company in hopes to get this account removed which was not mines but they claimed it was verified but no actual proof of me signing any agreements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
After opening my trading account with Coinbase , Inc online inXX/XX/XXXX, I wired {$15000.00} onXX/XX/XXXX to Coinbase, Inc account at XXXX XXXX XXXX  for my digital currency investment. On Coinbase website coinbase.com, this company never tells any investors that there will be a problem with their wire deposit before anyone initiate a wire transfer. However, after over 80 days, I have never received the $ XXXX wired money to my account with Coinbase. I called almost every week to Coinbase to speak to their customer supports. But Coinbase has never done anything to resolve my problem. I went through the Coinbase XXXX of no support, no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have been locked out of my XXXX account since XX/XX/2017. I still need access to my XXXX  account to run the cost basis for 2017 taxes because CoinbaseXXXX sent a XXXX to the IRS and I did most of my trading in XXXX. Can you please help me regain the ability to log into XXXX and regain trading abilities so I can run these reports and not be penalized by the IRS. 

Currently, I get an " An error occurred. Please contact XXXX support. '' message when I try to log in to XXXX.

Company response to consumer: Closed with explanation