vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I bought a new XXXX XXXX  XXXX from the dealership and signed a contract to pay them x amount. I now, 5 months later, owe more than I borrowed from USAA Federal Savings Bank in XXXX XXXX, XXXX   and have made no principle payments while I put XXXX miles on the vehicle. Hard to say but it's probably close to $ XXXX in principle and equity I have lost. The only options I had for payments for the past 4 months was to pay the entire balance until this week where I can now start making regular payments, every 2 weeks. I have called USAA 5 times about this with no resolve. I heard it is illegal to charge someone interest without giving them the option to make payments and bring the balance down. They did not give me that option. They took the dealers check, which still didn't solve the problem and used it to make the first 4 months payments on the additional amount I never borrowed???????? Even then the balance was still more than what I borrowed. They tried to blame the dealership but they received from the dealership a signed contract with the balance due and should have never charged me anything over what I agreed to pay, nor should they have been charging me interest on anything over the past XXXX XXXX months. To this day I have never been able to get the balance due down to the original loan amount. This is completely unfair and there's nothing I can do about it. You need to change the laws to protect consumers. Tell everyone in the country that if this happens to them there's nothing they can do about it if they live in another state as their bank headquarters. It's completely ridiculous. Or you need to change the law and not allow people to use out of state banks for this reason. Now the bank won't even talk to me about this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. Citibank and XXXX have already issued XXXX in both XX/XX/XXXX and XX/XX/XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XX/XX/XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX  and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.

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 2019-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
My loan servicer AES will not follow up with the lender XXXX  ( XXXX XXXX XXXX ) about my application for cosigner release. I meet all the requirements they advertised to qualify for cosigner release and XXXX XXXX tactic now it to just ignore the application, which was sent almost a year ago now. Whenever I ask for a status update from AES they give me the dismissive response that " the lender hasn't replied yet, sorry ''. Cosigner release was a advertised benefit of good payment history and good credit. It is false advertising to then ignore and deny applications for the benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Recently, I discovered a check misfiled in my safe. It is dated XX/XX/XXXX,  drawn on Bank of America. When I visited with Branch manager at local Bank of America, I was told to obtain Letters of Testimentary, which I did. When next contacting bank President, I was told that Banks were only required to keep records for 7 years, that she couldnt help me. 

I would like to ascertain where this money has gone. I am XXXX years old and need the money. Can you help me? 
Thanks for any help you can provide. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have had student loans that first were with Sallie Mae and later moved to Navient. I attended school for the loans with Navient in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I struggled to make payments on this loan due to being a stay at home parent with my spouse in military service. I was only ever offered hardship forbearance as a resolve to the payments. This causing my balance to continue to increase with interest fees. I went back to school in summer XX/XX/XXXX obtaining a student loan from a different lender, XXXX. When I stopped attending school I was contacted by this lender for payment options. They asked multiple questions and even though I now had income I did not previously have they explained that I qualified for a income driven repayment plan. This option would avoid additional cost being added to the balance but I would need to contact them each year to re-certify my qualification. They completed my application which the Department of Education applied to both my loans with XXXX and Navient. This income driven repayment option was never offered even when my family was qualifying for state assistance programs that Navient inquired about while applying for the hardship forbearance. Since starting the income driven repayment I have had to dispute credit reporting by Navient as well in XX/XX/XXXX when rather than decreasing my balance they reported an increase in my balance. This caused my credit score 70 points and when corrected my score only improved 24 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Kohls credit card. They closed my account in XX/XX/2018. They stated the reason it was closed was " Principal owner ( s ) have past, present or pending legal action. '' Well I have NO legal actions. This is not a valid reason. And I have no lawsuits with Kohls. They are just closing my account under false pretenses. This is just a made up  reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have attempted several times to figure out why the interest and principle amortization has not been adding in correctly. I get several vague answers that dont make financial sense, i have requested a copy of my original contract and the company claims that 2 times they mailed me the contract, but i never received it. But in the time in between requesting it and now, i have received physical copies of my actual billing statement. They claim the only way to receive the contract is by fax or mail. I requested by email and they have said they would ask but at this point i do not believe them. The business practice has been less than above board. They are over charging me from interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.

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 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Received notification from US Collections West on a debt that was due in the amount of XXXX on XX/XX/XXXX for the XXXX XXXX. I asked for verification of the debt. US Collections West responded with documentation, showing that I was in court and had lost the decision. I was never summoned to appear in court, and was never notified of such hearing. I do not believe I owe the debt due to properly terminating my lease with the XXXX XXXX, and moving out at the end of my lease. On XX/XX/XXXX I received another notification from US Collections West saying my debt needed to be paid or I would face another court hearing. I followed up with another letter and no response. I spoke with XXXX XXXX on the phone, who was identified as my debt account manager. XXXX was very condescending and derogatory towards me, and was being very forceful in her tone. On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX saying they would start garnishing my wages. I responded to Mr. XXXX by mail asking him to verify my debt, which I did not receive any response. On XX/XX/XXXX, I received a letter from my accounting department at work stating that my wages would be garnished starting with my next paycheck. I reached out to XXXX XXXX, and she refused to answer my calls. After finally speaking with her, she stated she would only cancel my garnishment if I paid in full, plus court costs in cash. If not, my garnishment would still be active and would be levied. I have never dealt with such an unprofessional person and company in my life. US Collections West is full of scam artists who are just trying to take every cent away from innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened an account with TJMAXX rewards Synchrony bank on XX/XX/XXXX and bought an item for the amount of {$31.00}. We never received the credit card nor did we receive a statement until about a year later and it had incurred interest of {$340.00}. We disputed this with the collections agency and agreed to pay the original amount of {$31.00}. We sent the check and did not hear anything from them again until the end of XX/XX/XXXX when we got a letter from the collections agency that we owed over {$400.00}. We received no notice and we paid the original amount. We have a check to prove that we paid the amount.The collections agency and the credit card companies don't seem to have any information and no on is answering our questions. We want to resolve this and will pay the original amount of {$31.00} but because we never received any statements or even a credit card, it doesn't seem fair that we are being charged so much interest when we didn't even have any account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I notice multiple inquiries from the following companies on my credit XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ... XX/XX/XXXX & XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  ... .XX/XX/XXXX XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: MN

Complaint narrative:
I was attempting to purchase my leased vehicle. I went to XXXX  XXXX and they listed several loan providers and I selected XXXX. I submitted the proper paperwork and was approved for a loan. The loan buy out was XXXX. I originally wanted the full amount but then decided on putting XXXX down on the loan. I wired the {$10000.00} to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX. on XX/XX/2018 XXXX. I was notified she received the money and I haven't heard from her since. 
I attempted to contact XXXX XXXX at XXXX and XXXX. With no luck. 
I contacted lending tree and they issued a complaint. The XXXX  has been notified and The Attorney general office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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:
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to Experian. XXXX XXXX XXXX has submitted fraudulent documents to Experian in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest XXXX XXXX XXXX will be submitted. 

Experian allegedly conducted an investigation with XXXX XXXX XXXX. Experian was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest Experian credit reporting will be submitted.

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 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, RECOVERY ONE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of XXXX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. RECOVERY ONE LLC* is held liable as well for defamation and in the state of XXXX a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with XXXX LAW. I also believe that this business is not registered to operate in the state of XXXX. I expect this collection account to be removed from my credit report. RECOVERY ONE LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I pulled my credit profiles and noticed multiple credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable as the address didn't exist. I subsequently contacted Experian regarding the inquiry on my credit profile. Experian signed the certified mail receipt from my letter on XX/XX/XXXX. It is now more than 30 days from the date of my dispute and Experian has neither responded to my dispute or removed the 2 unverifiable inquiries from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
From XX/XX/2018 to XX/XX/2018 Chase Bank had charged me XXXX NSF transactions total of all transactions is XXXX. 
I had called Chase Bank center 3 or 4 times did not resolved anything Best regards XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 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: CA

Complaint narrative:
According to my recent credit report request from Transunion, XXXX, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT

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