vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Somewhere XXXX & XX/XX/2018 I called XXXX XXXX to Place a complaint due to they report me delinquent on my credit report when I was never late my payments were made thru a 3rd party company from the dealership I made all payments and I have proof I disputed on credit report look like it was ok. I was denied a promotion due my credit was low due to fraudulent being reported and my credit card companies were now lower credit limits as I was be seen as risk when I pay my bills on time now this has cause undo stress financial loss of income as well as my credit taking a big hit. I consult with attorney whom told to try and handle it before doing intent to sue now it's doing the same thing again as its providing from getting new apartment and the embarrassment that comes along with this illegal reporting wrongful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called XXXX XXXX XXXX and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened

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 2018-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my Transunion Credit Report as well as my XXXX  Credit Report due to being established through identity theft. This account who should have blocked upon Transunion and XXXX receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX  which is now reappearing on my Transunion and XXXX  Credit Report. Both Transunion and XXXX  are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit 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
Consumer complaint received 2018-09-16 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: AR

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my XXXX  Credit Report as well as my Equifax Credit Report due to being established through identity theft. This account who should have blocked upon XXXX  and Equifax receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX which is now reappearing on my XXXX and Equifax Credit Report. Both XXXX and Equifax are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I've been fighting with USAA for close to a year now about some credit card accounts opened in my name, as a result of identity theft.

USAA continues to Deny my appeals, and says they have determied the charges were authorized.

When I first opened my USAA account back in like XX/XX/XXXX, I only ever had a checking account, I never had any type of credit card loan through them.

Then around XX/XX/XXXX or XX/XX/XXXX I stopped using USAA and started using my Credit Union, since there arent enough USAA branches in my area.

I was not using anything credit related, so never really had a reason to check my credit report, though I knew I've always had pretty good credit. 

Then last year I applied for an apartment lease, and was denied based on my credit rating. So Immediately I went online to see what was going on, and to check my credit score. 

It was then that I discovered roughly 20 or so different credit cards and loans all taken out in my name, and maxed out. of the ~20 cards, 2 or 3 were USAA , along with 2 personal loans from USAA as well. 

All these cards and account were all opened within 1 month of each other, yet I was never contacted for any kind of verification or validation of these applications. 

I've explained all this to USAA multiple times, and they have continued to deny my appeals, for reasons i have not been given. 

Of the ~20 cards I previously mentioned, just about all of the other banks have removed them off my credit report, the 1 major bank still causing me problems is USAA . 
XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
All of these banks cleared me with no questions asked, I never could have guessed that the 1 Problem bank would be USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
Was overcharged on interest from the beginning, XX/XX/XXXX. Was never given any type of repayment schedule at all. A {$500.00} loan was taken out XX/XX/XXXX which I never received. Another {$500.00} loan was taken out in XX/XX/XXXX which I never received. And another {$300.00} loan was done inXX/XX/XXXX to which I never received nor authorized. I spoke to the manager, XXXX XXXX and to the district manager, XXXX. They both treated me like I was stupid .I asked for all my copies they had. It took me 5 days to receive them. My copies and their copies some to not match as far as initials on some and signatures are either missing or have been whited out. 
The times and dates on one contract are stamped way after XXXX. The store closes at XXXX XXXX sharp. 
I have checked The ARS STATUTES here in Arizona which they have violated. ARS 44-291, ARS-44, TRADE AND COMMERCE, STATUTE OF FRAUD, along with the U.S. code 's. 
I have all this documented neatly in folders. It very lengthy, but if you would like to collaborate further I'd be more than happy to to show you or a judge. 
Please feel free to communicate as I am also writing to the Attorney General, the Governor, the news media until someone stands up to the plate and help me hit a home run. 

Thank you .... 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received a letter from XXXX XXXX  ( XXXX Credit Card ) I have been a cardholder since XX/XX/2007. I also have other Credit Cards with them as well via other merchants I frequent. I received a letter in the mail advising me my account was closed. I placed a call to the toll free number ( XXXX ) XXXX XXXX. The Representative was not personable at all and didn't seem to care about a long standing customer being treated this way. She advised me I would have to reapply for the credit card which would involve them running my credit again. I would have to do it online or in-store. I asked what was the reason my account was closed and I was told it was due to a discrepancy with my address. My Credit Report has my PO BOX as well as my physical address and it has been this way for years. I was not notified by phone, email, or mail that there was an issue needing to be rectified of this nature. I just received a letter about them closing my account. If this was indeed an issue then why was I not given an opportunity to address it? And why at this stage would I have to reapply for the card? This has also impacted my consumer credit report due to the card being closed. My score was dropped. I have had several points, XXXX XXXX XXXX, and other Perks for my tenure and this is something I would escalate to an attorney if this is not resolved by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: SC

Complaint narrative:
Hello We are in desperate need of help with our mortgage servicer. The name of the company is Seterus. We feel this company continue to treat their clients unfairly. They have continued to do so, because no one is holding them accountable. If you look at their reviews from every site, the reviews are terrible and the stories are very sad. This company places your funds into an suspense account and make up ridiculous fees in order to apply the funds to it. They keep applying an NSF fee, which we took care of months ago. Then there is property inspection fees even when your loan is current. They also state the loan is past due or not current, it's like when you pay the amount they say is due, they find ways to say even more funds are needed. We have called several times to get an explanation of fees and how they apply extra funds. Each and every time, the call last at least an hour. The representatives have never been able to give us a clear explanation of fees/overages. They place you on hold for extended periods of time then transfer you to another rep, who is unable to explain fees or answer questions. 
[ We have spent months looking at their reviews and again, it breaks my heart how this company is behaving. This prompt me to file a XXXX case, which is still somewhat open. Seterus response was that they are not doing anything unethical ... ... Even the report they provided is unclear regarding fees. A customer relations rep, XXXX XXXX responded to XXXX, denying allegations. My response back to XXXX, was why should we believe her, when her voicemail greeting states she will be back in the office on XX/XX/XXXX, we are currently inXX/XX/2018. Why haven't her manager held her accountable regarding voicemail greeting. After bringing it to the XXXX attention, Ms. XXXX updated her voicemail greeting, but I was able to allow several people to listen to voicemail greeting as proof. We even told the company they could possibly feel the wraft of government officials and appear before XXXX XXXX, but they continue to deceive customers. 
Again, we know you along with your staff is very very very busy, but please please please help us with this matter. If you can not help, please please please point us in the right direction to get some help for us and many others being BULLIED by this company. 
Thank you

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 2018-09-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My wife used our personal credit card ending in XXXX to pay a merchant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, for services for a new business that she started. 

Once the business was established she requested the merchant to stop the services. 

The merchant has continued to bill my personal card despite our objections. 

We called Chase Bank to dispute the transactions, but they declined our dispute on XX/XX/2018. I called Chase on XX/XX/2018 to close my credit card account, but Chase rep advised me to request a change to the account number instead. However, the same merchant managed to bill my credit card once again. 

I called Chase once again, but they are unable to STOP any future charges from this merchant even when they are no longer authorized to do so. The merchant is not listening and continues to charge my card and Chase Bank is unwilling or unable to help. And they have stated that I will continue to be charged even after I close my account. 

At this time, I am at my wits end. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting verification of the account from XXXX, account # XXXX on my Experian report. Experian has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with Experian and with XXXX. I have attached all letters with certified copies.

I spoke with XXXX from Experian on XX/XX/XXXX and  XX/XX/XXXX. On XX/XX/XXXX, He stated XXXX has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from XXXX and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from XXXX did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from XXXX. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my Experian Report. If you have any question please contact me at XXXX or t the above address.

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 2018-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX  and with Ally. I have attached all letters with certified copies.

I spoke with XXXX  from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX  or t the above address.

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 2018-09-16 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: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH HYUNDAI CASE # XXXX  XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX XXXX  HYUNDAI DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX  THAT IS NOT TRUE. XXXX RECEIVES XXXX  A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX   A MONTH RENT, HYUNDAI HAS RUINED XXXX   REPUTABLE CREDIT. WE ARE ASKING HYUNDAI TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX  A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. HYUNDAI FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX  AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT HYUNDAI PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX  CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM HYUNDAI ESCALATION TEAM NAME IS XXXX  AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING HYUNDAI TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have a Auto loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and EXETER FIN with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never lates in XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied online for an XXXX Credit Card on approximately XXXX orXX/XX/2018 
I have never once used the card and called and asked them why i would be getting a charge for the card when I have never once used it. When I called XXXX they said they would do a fraud investigation and send me the results via mail. The charges that were made on the account were under {$100.00} and they refuse to close this credit card. It was recently reported to my credit report which has immensely lowered my credit score. 
I feel like I am being harassed and refuse to pay for charges that i did not incur. Surprisingly XXXX sent me a second card after I specifically requested them not to. This has caused me undue stress and anxiety and if the charges due continue to keep accruing i will have to get an attorney involved on my behalf.

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