vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: YKS Acceptance, Inc.
State: WY

Complaint narrative:
On or around XX/XX/2013 I purchased a vehicle from XXXX in XXXX Colorado. Within a week the vehicle had a bad fuel leak and electrical issues. I notified XXXX  of the issues and wanted to return the vehicle, which they refused and said they would arrange for it to be repaired. After being run around for about a month and the vehicle not being fixed to be able to operate safely, I demanded that they take the vehicle back because I was not going to pay for a LEMON that was unsafe to drive with gasoline leaking and endanger my XXXX sons life or my own to operate. The vehicle was returned with less than 100 miles drove ( including from XXXX Colorado to XXXX Wyoming where we live ). XXXX has since reported it as an involuntary vehicle repossession on my credit, and a balanced owed, which needs to be removed. This debt should not be owed because it was sold to me under false pretenses that it was in great working order, which obviously was not and had some quick fixes to sell to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/XXXX. XXXX.The check was written for mobile deposit. And said oh its blurry and its deactivated and were going to send you a letter. When the check was actually on hold, it was sent back. All of the sudden, Im not able to use citizens bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Statement NOT sent so that XXXX could apply a late charge and increase interest rate because payment not made by due date. Since statement NOT sent or received I had no knowledge of due date or amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home : ( XXXX ) XXXX XXXX   Fax : ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX : XXXX   XX/XX/XXXX Dear Consumer Financial Protection Bureau : 1 . I filed a complaint against COMMUNITY BANK on or around XX/XX/XXXX, for elderly-financial abuse, theft, and fraud. This banks ' employees, involved with the organized-crime, aided and abetted an organized-crime member XXXX in stealing {$1.00}, 200.00 from me.

2. XXXX XXXX stole my {$1.00}, XXXX through a scheme of renting an illegal apartment aided and abetted by the local and state police ; so, they refused to file a police-report. When the local and state-police saw no other option, they filed the report ; but it was falsified.

3. The police-report looked like I have lived in the apartment and, then, the apartment became damaged ( by my use ) ; so, it was not fraud, but a landlord and tenant-dispute. when, in reality, XXXX XXXX   rented the said apartment with dozens of violations, said that he was going to fix it before he cashed my first month-rent and security deposit.

4. After fixing the apartment, he was supposed to give me a lease and the key. Then, he was going to cash the check for the said two months. This never happened. He cashed the check immediately after I gave it to him and never repaired anything. When I went to the bank and reported the fraud and scheme, they told me that they would not follow the law ; so, I could get my defrauded money back.

5. I, and an ocular witness, have seen the local state and police- officers at the local motel -- where people drink, rent rooms for a night or two, and eat. I dont know if XXXX XXXX or his family own the said motel ; but I do know that they are friends with XXXX XXXX and hang out where he does at the said motel.

6. After I found out that they hang out at the same motel and are good friends, the said police refused to follow the law and arrest the perpetrator for fraud XXXX XXXX. After I filed a complaint with the Consumer Financial Protection Bureau, COMMUNITY BANK retaliated against me and ran another scheme involving covering up parts of my rent-checks, at the new place where I rent.

7. I rented another apartment because I almost died of infections from XXXX XXXX 's illegal-apartment. After I got terrible infections from the said illegal-apartment, I went to the local XXXX-Hospital in XXXX, NY. There, coincidentally, two nurses and an Assistance Physician tried to XXXX me. I have a 911-Call and ocular witness.

Sincerely, XXXX XXXX XXXX, XXXX Citizen

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: SD

Complaint narrative:
I applied for a Making Home Affordable to get my interest rate lowered. But they would not give it to us. But they lowered it from 9.8 to 8.875 at the time ( MHA ) Making Home Affordable rates was much lower. US Bank would not give us that type of loan. We applied over and over again for years. They would say we forgot a from or didn't sing it just anything to stop us from getting a lower rate. We feel it was because we are 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 2018-03-18 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: Credit Plus Inc
State: OH

Complaint narrative:
I was checking my credit report and found that XXXX XXXX XXXX, XXXX, and CREDIT PLUS all did a hard pull in XX/XX/2017 without my permission or knowledge. It will take two years for this to be removed unless they each remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been in a constant struggle with Bank of America for years now. 

In XX/XX/XXXX they began taking {$50.00} credit card payments from my savings account to pay off a credit card that I owed nothing to. My balance was at XXXX. 

In XX/XX/XXXX I finally noticed them draining my account and went into a branch who told me they could send me " {$200.00} '' checks in the mail to pay me back for my debit. 

I turned off payments in XX/XX/XXXX and never turned them back on. 
I also never received the full balance they owed me in checks. 

Some months later, BofA turned the payments back on without my consent and began charging my card {$50.00} every month again although I still did not owe anything. 

In XX/XX/XXXX, I noticed they had turned payments back on and I shut the payments off. They told me they were going to launch an investigation into how much they owed me and it would take 3 months. In XX/XX/XXXX I received a check for only {$200.00} ( far less than what they owed me ) and they continued to charge my card. 

By now they had drained my savings so much that they were now charging me maintenance fees too. 

In XX/XX/XXXX, I noticed they had turned my payments back on AGAIN without my consent and were charging me AGAIN. I went online to shut them off and my online account said I did not have any payments to shut off therefor could not shut them off. The representative saw what I saw as well and notified tech - she launched another investigation internally with BofA to see what was going on. 

She tried to calculate up how much BofA had calculated they owed me over the course of 6 years and their total was {$800.00} - far less than what they actually owed me. 

it is now XX/XX/XXXX and no one has turned off my {$50.00} payments and I still am not able to turn them off on my own. I have been sent {$800.00} and am owed far more. I am currently documenting all details and exactly how much I am owed. Should be an estimated {$2400.00} ( 6 years minus the small payments they have made to me ). + they owe me for the maintenance fees that their systems caused and the time I have gone without my money in my account AND the time I have wasted trying to sort this out. 

If they are doing this to me - they are doing this to other people as well.

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 2018-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I contacted M & T Bank on numerous occasions once I received my XX/XX/XXXX statement and it reflected {$520.00} due with {$62.00} late charges for XX/XX/XXXX. Yes, I was late on my auto loan due to I missed payments in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I paid {$460.00} on XX/XX/XXXX ( normal payment amount {$460.00} ). On XX/XX/XXXX I caught the remainder past due amount up by paying {$880.00} which is the amount a customer service representative told me was the amount due. On XX/XX/XXXX my statement still reflected {$62.00} due of unpaid late charges. I then take a look at the recent transactions on my account online and it reflects I made a payment of {$820.00} and then a payment of {$62.00} that same day. It then shows on XX/XX/XXXX a payment was reversed in the amount of {$880.00} and then the last transaction shows a payment of {$880.00}. I never made a payment of {$820.00} or a payment of {$62.00}. I made one payment in the amount of {$880.00} which was never reversed by my bank. When I asked why it was reversed they could not give me an answer which is also proof M & T Bank is a fraud. The difference between the actual payment of {$880.00} and the payment M & T Bank is stating I made of {$820.00} is {$62.00} that they are saying I am still late for XX/XX/XXXX. I feel M & T Bank is cheating me out of {$62.00}. I contacted M & T Bank once again on Friday XX/XX/XXXX to get credit for the {$62.00} I paid. I spoke to XXXX who could not explain why {$62.00} is showing still as late so he transferred me to his supervisor XXXX who could also not explain why {$62.00} is still showing as late and stated she needed to reach out to her back office department and give me a call back. The first payment for the auto loan started XX/XX/XXXX. If you add up my car notes due from XX/XX/XXXX to XX/XX/XXXX which is {$460.00} per month totals {$4600.00}. If you add up my total payments from when the auto loan was opened til XX/XX/XXXX totals {$4600.00}. Therefore, XX/XX/XXXX 's payment should have only reflected I owe {$460.00} not {$520.00}. I want credit for my {$62.00} that they are saying I did not pay when I clearly did. For no one at M & T Bank to get to the end of my billing dispute is ridiculous. The customer service representatives and supervisors are worthless. I suggest you never take a auto loan from M & T Bank in your life. When you attempt to catch up your loan they still say you are behind and tell you a payment was reversed when it was not. I want a credit of {$62.00}.

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 2018-03-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The following information XXXX XXXX is reporting on my Equifax and XXXX credit report is false and inaccurate. 

1. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$6700.00} by the Bankruptcy Trustee.

2. XXXX XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee.

3. XXXX XXXX is reporting the account as Transferred to recovery. This is not correct. This account was properly included in Chapter XXXX  filings and the Chapter XXXX   Bankruptcy was Discharged on XX/XX/2016.

4. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to delete their inaccurate reporting of the account XXXX XXXX XXXX even after I have provided them with factual documented proof. They keep verifying their investigations of my dispute based on hearsay. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 2018-03-18 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: Innovis
State: OH

Complaint narrative:
I was checking my credit report and found that XXXX XXXX XXXX, CBCINNOVIS, and XXXX XXXX all did a hard pull in XX/XX/2017without my permission or knowledge. It will take two years  for this to be removed unless they each remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX a fixed term CD was opened with bank of America in which my child support was being held. I was XXXX XXXX XXXX at the time and the maturity date was set for XX/XX/XXXX which would have made me over XXXX XXXX XXXX. I was never notified by my guardians of this account that was solely in my name and someone closed the account other than me. I am holding bank of America responsible for unlawful release of my funds. And would like to file a lawsuit on whomever walked in that day and closed it. On XX/XX/XXXX it had {$12000.00} at a 2.6 % interest compounding monthly.

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 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX

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 2018-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: IN

Complaint narrative:
I received a debt collection letter from avante on XX/XX/18 involving a bill I supposedly owed. I contacted my local hospital and found the only bill they had for me was written off due to financial hardship ( I have documentation proving it as well ). I then requested avante validate the debt in writing. The request was postmarked XX/XX/18 and was sent via certified mail and was signed for by XXXX XXXX. I never received a validation and now the debt is being reported on my credit report as being in collections since XX/XX/2018, before I was even notified of the alleged debt, which in my understanding is in violation of the FDCPA. I would very much like validation of the debt to cross check with my records from the time. And would very much appreciate if it was either removed or changed to disputed on my credit report as there was no validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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: NY

Complaint narrative:
I am currently investigating and building a case against Experian for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from Experian, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
Experian refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from Experian. XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. Therefore, the XXXX XXXX, ( four times ), XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX  data breach and am therefore requiring Experian to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, Experian placed a fraud alert on my credit file without my authorization which is fine, however they still have not provided me with any proof of any permissible purposes. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 2018-03-18 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: NY

Complaint narrative:
I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from TransUnion. 2Nd XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. Therefore, the 2Nd XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion.. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX data breach and am therefore requiring TransUnion to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, a fraud alert was also placed on my XXXX credit file. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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