vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a used vehicle on XXXX XX/XX/XXXX. XXXX XXXX XXXX with very low mileage. I had to wait to get the vehicle for approximately 2 weeks while a new engine was installed. At this time I had signed a bunch of paperwork and I was pleased with the service that I got from the dealer. Unfortunately, I may have been given the information about the lender ( contact information ) how who and how to contact the lender. 
I when XXXX  for 90 days of XXXX. I did not take my cell phone overseas for security reason. 
I returned in country around XXXX XXXX and almost immediately had to have XXXX to repair XXXX   XXXX? Soon after returning the vehicle was repossessed later night on XXXX XX/XX/XXXX. Going thru on excessive mail I found some mail from Santander Consumer. I created an account with them and logged in. Their site said that I owed {$1500.00}. I immediately tried to call them, offices were closed until XXXX CST. I called Santander at XXXX XXXX. After going thru their phone prompts I was connected with their representative. After providing with my information< I was informed that once the vehicle was repossessed that only option I had was to pay off the entire {$13000.00} and they would send me the title. At this point I explained my situation and that I had made the due account on their website. I was told that there were no other options except paying off the entire amount due and getting the title. I explained that I paid what their website was due and their reply was " who told you to make the payment? '' I related that their website did. I was told to stop the payment, I was unable to and my bank related that they would have to refund the money. I called back was informed that they would not return my funds and that it would be applied to the due amount. This made my account up to date and has a amount and due date for my next payment on XXXX XXXX! No way to resolve the repossession, no return of my funds and that I am basically XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
( 4 ) XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) Exeter fin ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit  report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: OH

Complaint narrative:
I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX  XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.

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 2020-03-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to Oportun Loans Store Location at their XXXX XXXX Store location In XXXX XXXX, Tx on XXXX XXXX to re apply for loan credit after I has paid off my remaining balance of {$220.00} on XX/XX/XXXX from the loan amount I has borrow on XX/XX/XXXX of the loan amount {$500.00}. And was told I can not re apply for any loan credit with Oportun Loans by loan representive after I had made all my monthly payments in full and paid off my total loan in full. And was told Oportun Loans donot offer Loan credit to XXXX people customer after they is had paid their total loan in full and was denide and chance to re apply for loan credit after I hath paid off my loan credit in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX my XXXX accounts were compromised. They gained access to all of my stored passwords which included my bank account credentials. They used these credentials to gain access to my online account to make purchases totaling just under {$80.00}. These were caught by Chase as fraudulent and my debit card was then deactivated. I spoke with Chase and explained the situation. Within the week, on XX/XX/XXXX they had refunded the full amount to the account. On XX/XX/XXXX, the funds were taken from the account by Chase as they discovered the charges were made from my personal card, using my phone registered with the bank mobile application. I explained to them that these transactions were fraudulent again and they claimed that I had made these purchases since it was coming from my phone and my account. I explained that my accounts were compromised and anyone could have had access to these accounts. I also explained that the location, XXXX and XXXX, was listed as last login points from when my accounts were compromised and the people responsible for compromising my accounts were making purchases on XXXX   websites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reference prior claim XXXX You still did not address why your OLB system posted my payment twice. Please listen to all phone calls and note your BBVA representative states that there was an error with your OLB. The multiple payments are proof of the error yet you will not acknowledge the error and possible delayed posting due to the error. Please send documentation showing your research of your online banking system showing that I did not login. Please also provide documentation showing your IT department was involved and acknowledges why the error caused 2 payments to be debited  but in deed couldn't cause the payment posting to be delayed. Please also provide documentation showing the confirmation numbers provided to me via your online banking system were tracked and details of that tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased 10 MasterCard Giftcard for {$100.00} each from XXXX on XX/XX/2020. I received them in 3 envelope on around XX/XX/2020. I immediately activated them and verified the balance was correct on each card. Then I tried to use them a few times in different local stores but the transaction always got cancelled. I even tried them on XXXX but still didn't work. I searched online and found many similar complains reported by other customers and decided to call in to get replacements. I called the giftcardmall.com which is located on the back of the card and they transferred me to MasterCard or BlackHawk customer service ( I don't remember exactly which one now ) to get them fixed. I then talked with an agent and after verifying all these card still have full balance she agreed to send me the replacement cards and said I should receive them within 7-10 business days. But until today XX/XX/2020 I still have not received anything from them. The worst thing is now every time when I called back again on the same number, since all of these cards were de-activated by the first agent, none of the customer service agents would like to help me anymore. They either transferred me to another department or even asked me to go to the issuer bank ( XXXX ) to get the replacements. None of them would really like to help me and I'm now sitting on these 10 dead cards worth {$1000.00} now. I'm very disappointment on the XXXX  selling these defective cards and also the lack of customer service with those issuer and merchants especially when customers are having issues with these cards. Hopefully one of these merchants can see my report and could have someone look into my case. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I closed my account with this bank and I had a bill pay they refuse to cancel and the merchant is charging me {$20.00} return check fees because my bank wont cancel it on their end

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
- I tried to avail my self of the six free credit reports from Equifax, since their information breach and their badly bungled efforts to protect my credit information. 

I could not get their MY Equifax.com to work, so I contacted XXXX. 
The first time, I called the number given in their email resonse to my email and gave nearly a dozen personal identifiers, all the usual ones. Then I was asked about any credit cards and I only have two and I identified them. 

Then I was asked the balance, which I gave for the XXXX XXXX account, wasn't asked about the other. then I was asked the exact dates of my last dispute and I gave all three recent dates, and then I was put on hold and a two question survery and then I was hung up on.

The second time the next day, the same prcedure and then I was asked to mail two proof of ID. 
They had all the information they needed to identify me, it was only when they saw I have an active dispute that I was jerked around. 

Could you please fine them heavily and amend their abusive conduct?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My Navy Federal Account is showing as closed when it is opened. The account has a {$35000.00} credit limit. I called they said the account should not be reporting as closed but they did not update it. Please help. I copied the proof from my report below Navy Federal Cu CLOSED XXXX XXXX XXXX Last Updated XX/XX/2020 XX/XX/2020 XX/XX/2020 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} {$0.00} Credit Limit {$35000.00} {$35000.00} {$35000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I received an unsolicited pre-paid card in the mail with my name on it. The card was from Brinks Money and was issued by Mastercard, but I never signed up for any pre-paid accounts. Apparently its some type of XXXX XXXX, but again, I never signed up for this card. Im the only person involved, and I dont believe Ive lost any money, but it is still concerning that a ghost account was made without my permission from Brinks.

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 2020-03-05 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: PR

Complaint narrative:
In XX/XX/2019 I ask for a credit report form transunion and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX and they fixed ; however Transunion did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use transunion credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX   show that all my history payment is good.

Hope you can solve it because my credit its been affected by that error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My card is Citi Dividend card which every quarter will have a 5 % cash back in specific purchase category promotion program. This quarter ( XXXX - XXXX ) the category is " Fitness club and Supermarket '', the original sign up page is here : ( https : //www.citi.com/credit-cards/credit-cards-citi/citi.action? ID=dividend-quarterly-offer ) and there is only one short sentence explain what is " fitness club '' : " Fitness clubs are classified as merchants that operate sports and recreation facilities requiring membership. '' I used this card to purchase 20 classes from " XXXX XXXX XXXX XXXX CA '' on XX/XX/2020 and I think my purchase is totally match the requirement of fitness category because this is a sports center requiring membership and my classes are all about fitness. However, the citi just gives me 1 % cashback and recognized my purchase as Health Care which I think is totally not reasonable, this is not a dental or eye care but fitness classes, how can they say this is about health care. I believe this is a wrong category recognization. 

I talked to Citi, they just said the category is somehow self supported by the merchants and they can do nothing and refused to give me extra 4 % cash back. I do not think this is acceptable because as a customer we do not have any ability to know which code my fitness center is using and what kind of category it is, what I know is I see your promotion program says this quarter I will get 5 % cash back if I use my Citi Dividend card to purchase fitness classes. Otherwise why I will use this card to pay for this purchase? I have some other products from other bank can give me 1.5 % ~2.25 % cash back for any general purchases, I have no reason to use a card only give me 1 % cash back, so I believe this is a false advertising and my request is to get 5 % for my this fitness purchase.

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 2020-03-05 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: FIRST HERITAGE CREDIT LLC
State: AL

Complaint narrative:
DID A HARD INQUIRY ON MY CREDIT WITHOUT MY PERMISION OR KNOWLEDGE AND HURT MY SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: MA

Complaint narrative:
6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Phelan Hallinan Diamond & Jones, PLLC
State: FL

Complaint narrative:
CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and XXXX claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from XXXX XXXX which was terminated in XX/XX/2008. see enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX Erroneous Foreclosed- ( FCL ) XX/XX/XXXX -Later Rescinded FCL- Modification accepted under duress for 1st & 2nd XX/XX/XXXX.Current on 1st but never recovered. 2nd ( HELOC ) is invalid debt ( wiped out with 1st Foreclosure ) -Extensive dispute over years not resolved- XXXX attempted to Foreclosed on HELOC again XX/XX/XXXX by recycling invalid Notice of Default on invalid Debt. Disputed once again. Not Resolved. XX/XX/XXXX XXXX sold Loan Servicing Released to Select Portfolio Serviceing ( SPS ) - ( Investor XXXX XXXX. SPS has filed an Erroneous Notice of Trustee Sale for XX/XX/XXXX. XXXX XXXX XXXX Kicked the can down the road but never resolved original dispute. SPS is attempting to sale home under a Trustee foreclosure sale but I feel is violating CA foreclosure laws and does not have a valid debt and /or has not gone though proper steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX  XXXX  XXXX XXXX  bill

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 2020-03-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my 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 explanation
Consumer complaint received 2020-03-05 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: Clarity Services
State: TX

Complaint narrative:
The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX XXXX XXXX XXXX  bill

Company response to consumer: Closed with explanation