vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: NY

Complaint narrative:
I returned my XXXX XXXX 3 months early ( 39 month lease ) on XX/XX/XXXX as part of a " pull ahead '' arrangement and I signed a new 36 month lease for another car ( XXXX XXXX ). 

On XX/XX/XXXX I received a letter from VW Credit , Inc. ( dba Audi Financial Services, " AFS '' ) indicating that I owed monthly payments on the XXXX and that failure to pay may result in them reporting to the Credit Bureaus. I called XXXX that evening to express my concern about the letter as I did not owe monthly payments on the XXXX as I'd returned it at the end of XXXX. 

AFS said that this is a dealership issue and that I should contact the dealership. 

The dealership said they submitted all the paperwork to AFS but that AFS hasn't taken care of it because they have computer issues and are otherwise backed up. They even shared a " grounding report '' statement with me that was generated on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from my bank that my credit score dropped [ xx ] points. 
I pulled my XXXX credit report which shows that XXXX was OK and had no Balance or Past Due - this makes sense as XXXX was the last month I had the car. However, XXXX, was noted as 30 days past due. 

I immediately called XXXX and sent them the grounding report I received from the dealer. They said they would correct any issues with the credit reporting agencies. 

On XX/XX/XXXX I called AFS who said that the credit mark was reversed on XX/XX/XXXX and that I'd receive a letter from AFS. 

On XX/XX/XXXX I called AFS who said that I shouldn't have been expecting a letter from AFS ; the letter would be from the credit Bureaus but that he'd generate a new final statement with excess wear and tear costs that I owe on the car. 

On XX/XX/XXXX I called XXXX to see if they received the correction from AFS. They indicated that the last update they had from AFS was XX/XX/XXXX. 

On XX/XX/XXXX I called AFS who said my account was sent to the credit team for adjustment, but that it didn't get done. She was going to request it be rushed through within 24-48 hours and she is really sorry. She also said she would note that my account had a complaint. 

My understanding of 12 CFR 1022 is that AFS has 30 days to correct misreported data. I called AFS on XX/XX/XXXX and its 58 days later with no action taken to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a automotive repair charge, then the automotive repair facility said they would fix my car, so I cancelled the credit card dispute. 
Then the automotive repair facility refused to fix the car so I tried to re open the dispute with my credit card and they said they do not re open disputes,?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX 2019 I was charged a {$25.00} HSA closure fee when terminating my Bank of America Health Savings Account and transferring the balance to a new HSA with another provider. This fee was not mentioned at all on the only website I could find with information about the account. https : //healthaccounts.bankofamerica.com/hsa-faqs.shtml I was also charged several service fees that were higher than specified on that website. On XX/XX/XXXX I was charged {$3.00}. On XX/XX/XXXX I was charged {$4.00}. The fee is normally {$2.00} as specified in the link above. 

The amount of the closure fee was not specified in the Custodial Agreement that was mailed to me when setting up the account. That custodial agreement is not available on the account website, myhealth.bankofamerica.com, not even when logged in. 

Bank of America does not have a support email address or web form to get help online, only a chat system with limited hours. This is inconvenient for all and inaccessible for some.

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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )

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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX-XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )

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 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I took out a loan with Santander Consumer USA in XX/XX/2013 for a used XXXX XXXX XXXX. The original loan amount was around {$12000.00}. My monthly payment is {$340.00}. I have been paying this loan for six years, totaling over {$18000.00} in payments made. Almost 100 % of my payments have gone to interest because the loan balance is still almost identical to the original amount taken out in XX/XX/2013. There has been less than {$1000.00} in reduction. My payments are never applied to the principal balance. When I fell behind on a few payments due to financial hardship, I asked repeatedly for deferments or to at least lower the monthly payment. None of my requests have been granted despite my best efforts to catch up on payments. I have repeatedly told them that I cant afford the back payments, I can only afford one payment per month and have asked for them to work with me by placing the two late payments on the back-end. The only solution they ever provide is for me to let them repossess the car even after I give them a {$340.00} monthly payment. Nothing makes a difference. I am always two to three months behind and always threatened for repossession if I dont catch up. They call me everyday and call my family. They have even contacted my sisters husband, without my permission. They continue to pocket 100 % of the payments, and they refuse to waive any of the fees they add every day. I have asked for a detailed breakdown of the fees and interests but I have never been given an explanation that makes sense. It seems that they are just stealing money from me at this point. Ive tried to sell the car by trading it in but it is impossible with a debt this high. The value of the car is only about {$3000.00} or less now. The situation is out of control and I have no way to resolve it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
So i signed up with XXXX because they told me they would give me a {$50.00} gift card. They never did. I called and asked about it and they said i had to fill out a form online. I did that. They still didnt give me the gift. I called again and they acted like nobody ever spoke to me or like i never called. They asked me to fill the form again. This was now a couple weeks after i opened my XXXX phone account. Never received the gift. I called again, again they acted as if it was the first time i called but stated the promo was over. Well i stayed with them for a few years but didnt like the service so i switched to XXXX. In order to do so i called XXXX to cancel my account and the agent said i would have to pay the rest of the month bill. I said fine. Then following month i received another bill. I called XXXX and they insisted i pay. So i tried to raise a complaint and the rep said she can take half the payment which was {$35.00} and it would settle the account. So i paid the {$35.00}. Which was half, and was told the account was settled. I recieved anothet bill for the other half. When i called they said to pay, i explained my previous agreement and the rep said ok, just disregard the bill. She said it was an auto generated bill and not to worry. Then i was contacted by XXXX or debt collector. Im not sure. They offered to settle for {$39.00}. More than the original amount, or i will have to pay {$43.00}. Well i told my story again. They said it wasnt valid and i said they would send me a letter to dispute i would have to send a letter as well and they would mark the account as refused. Well i then received a bill from convergent outsourcing inc . Asking me to pay XXXX. So i called and they refused to tell me anything unless i gave my social or date of birth. They would tell me where to send dispute or give me any info at all. I confirmed my account number with them but they said they cant tell me anything without me confirming my private info. Well its only XXXX but its a broken system. Companies doing whatever they want and not being held accou table. It was deceptive, unfair, and abusive.

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 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lake City Credit
State: TN

Complaint narrative:
I have been repeatedly contacted by an agent stating he works for your collection agency from the following phone number - XXXX which according to XXXX belongs to XXXX XXXX in regard to an alleged debt that does not appear on any of my credit reports and well past FDCPA SOL. Upon further research I found that Lake City Credit does not appear to be licensed in the state of Tennessee. On a recorded line I made it clear to your agent that I am challenging the validity of this alleged debt and require debt validation per the FDCPA in addition to who contracted your firm to collect this debt and proof that you are legally licensed to collect in the state of Tennessee. Until then Lake City Credit shall immediately cease and desist from further contact outside of providing debt validation via mail. Furthermore a copy of this message along with the recorded convo with your agent will be forwarded to the following agencies : The XXXX XXXX XXXX, Tennessee Dept of Commerce,  Tennessee Attorney General, and the Consumer Financial Protection Bureau. In addition any further calls from your agents will be logged, recorded and presented during my legal recourse.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried multiple times over the past year to get Experian to remove several old student loan accounts off my credit report. Now, when I try to dispute them with Experian, I get their favorite line, " experian has already allowed you to dispute these once and is not obligated to allow you to dispute them again '' This statement really is Experian 's go to line to give consumers, on average I've had to dispute an incorrect item about 4-6 times before experian will take it seriously. 
But, every time after doing so multiple times, they end up removing the item because I was correct. 
All of these are over ten years old and have been paid and closed. There are two accounts labeled " XXXX XXXX XXXX '' that show " unknown closed ''. There are a total of 9 old student loan accounts that have all since been paid and closed and Most of the data on each of these files is either missing completely or incorrect. Some of these show as late and are counting against me on my credit score, while at the same time, they only have small bits of data/information. The dates of these accounts are all between XXXX. Some of them appear like they are duplicates, but then again with very little information ( mostly blank ) it's hard to tell which is which. All of the accounts in question are some variation of XXXX, XXXX XXXX XXXX, or Dept of Edu/XXXX. XXXX is notorious for their mishandling of student loan files and committing fraud against borrowers. This makes it even more important to remove ALL of these considering most of the data is blank/incomplete. 
Please, Please do the right thing and remove all of these ASAP, like most individuals who have student loans, it is almost impossible for me to get the correct information from these old student loan companies. - ( some of which no longer exist due to fraudulent handling of student data )

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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
Synergetic Communications , Inc. Say that they are trying to collect on an account from XXXX. The last time I have had an account with XXXX  was almost 40 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America reached out to me to offer me a HELOC at 85 % LTV on my primary home. I have a high income, low DTI, and good credit so I thought it would be smooth. They also contacted me and pitched me on this deal. I spoke with their mortgage specialist to discuss my assets and liabilities so he knew all of my details. He told me we could apply for {$150000.00} HELOC. During the application process he then came back to me a few days later and told me they would only approve me for up to {$50000.00} and a LTV of 75 % but they wouldn't tell me specifically why. They told me it was proprietary and they wouldn't disclose the why the LTV amount changed. ( Again it's not income or credit related ) The specialist said that we could get a waiver of their internal rules if I just continued to submit the income/paperwork verification. He had my round up all my tax returns, work with my HOA to get the previous bill. The under writer then called me and told me they wouldn't go higher than the {$50000.00}. It was a complete bait and switch to get me to submit the application at one level, only to change the terms without tell me why after. I would not have applied with Bank of America if I knew they had such a low limit, but was told the limit was much higher.

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 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested

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 2019-05-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a debit in the amount of {$1300.00} on my account. The amount is inaccurate because the merchandise I ordered was not delivered. I ordered the merchandise on XX/XX/19. I received the package on XX/XX/19, but opened the package on XX/XX/19. Upon opening the package, ( package came in a shipping bag instead of a box ) I noticed that the box of the product had already been opened and was not sealed in the plastic shrink-wrap that it would come with. When I opened the box, all of the contents were missing. Instead of what I ordered there was a heavy egg shaped granite sphere and what looks like a base that holds it. I immediately contacted the merchant through email as they are a XXXX company and I did not have a way to call. I explained to them that I received the package, but the contents were not what I ordered. The merchant explained to me they would contact their warehouse and email me once they received a response. On XX/XX/19 the merchant contacted me to explain that the warehouse informed them they had indeed shipped out the item. The issue at hand isn't if the warehouse shipped/did not ship the item. The issue is that the package that was shipped out was fraudulent, and did not have the items I ordered. The merchant explained to me there was nothing they could do and that I needed to contact my local shipping courier. Immediately after the merchant informed me of this, I inspected the shipping bag that the package came in. This shipping bag did not appear to have been tampered with, as the only cut was the one I had just made to open the package. Being a bag instead of a box would have made it difficult to hide any type of tampering. A bag would continue to show an opening no matter how it is taped as opposed to a box which can be opened and re-tapped without anyone 's knowledge. I proceeded to contact USPS and explained to them the situation. They let me know that this is something they would be looking into and would contact me by email. USPS sent back an email stating the package had been delivered without issue, and was delivered the same way they received it. I contacted the merchant and explained that USPS had completed their investigation and deemed that the package was delivered in the same condition it was sent. The seller then gave me the same reply to  check with the shipping company which sent the item to me. This is the point at which I contact my bank and file a dispute explaining what happened.

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