vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have been dealing with an on-going dispute involving my credit reports. I have a derogatory account reporting on my credit for an auto loan that I did not open. This account is not mine and neither did I assist anyone on this matter. This information is incorrect and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
This company is repeatedly violating a notice to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Made payment on XX/XX/2019 to XXXX XXXX, serviced by Synchrony Bank. 

Payment shows as 'Processed ' in Payment History, however not reflect in account balance On phone with Synchrony about their issue and asked them to add XXXX to the call. XXXX agent very helpful and told me he had fielded numerous complaints of this type Screenshot attached as of XXXX XXXX XX/XX/2019

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 2019-01-05 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: Home Loan Center, Inc.
State: CA

Complaint narrative:
I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX   that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
This company has reported on my credit without proper validation. I do not have a contract with this company. I need proof of Hipaa authorization transfer to this company and proof of signature, NOT JUST A BILL. 

Amounts : {$550.00}, {$870.00}, {$280.00}, {$290.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.

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 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc.
State: VA

Complaint narrative:
I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made.

So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report.

Yes needs to be reported to XXXX XXXX  billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did.

Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than.

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: CA

Complaint narrative:
I am a victim of identity theft and Transunion provided my information to XXXX XXXX who submitted my social with a false address. I called Transunion to request they remove the credit inquiry since their dispute service online does not allow me to dispute inquiries. They told me to send a letter with several pieces of information. I sent that letter to Transunion on XX/XX/2018 and have not received any communication from them since.

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 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/19 I deposited {$610.00} via phone deposit into my Bank of America ( BofA ) checking account. The screen stated {$200.00} available for cash and {$410.00} available to cover items posting on XX/XX/19. That was overridden and a hold was placed on {$410.00} until XX/XX/19 which caused two payments to bounce. I spoke with XXXX via telephone support and she told me it was because of my NSF activity that they placed the hold - in other words it was my fault. If I had know they were going to do this I could have driven to my credit union, taken cash out and deposited that at BofA. They constantly push customers to use their online and phone apps so I assumed I was doing the best thing at the time. 
On XX/XX/19 I received notice from XXXX ( my credit union ) that BofA had tendered the check and {$610.00} was deducted from my account ( at XXXX ). So the BofA transaction posted overnight in less than 24 hours. Yesterday, XX/XX/19, I went into the local BofA branch to complain because now I had two returned items and two NSF fees equaling {$70.00}. XXXX XXXX was very helpful and in fact reversed four charges to help right the situation, however the hold was not released on my deposit. I went back to the branch today and spoke with XXXX XXXX who had quite a different tone. He said he could not release the funds. I showed him my XXXX account and how the check had cleared on XX/XX/19 and been paid by XXXX. He seemed disinterested and said there was nothing he could do. I ask whom I could speak with in authority to get something done. Again, he was interested in trying to help me resolve the situation. He continued to tell me to call the 800 number for customer service. I told him that the funds being locked up was going to cause me to bounce more transactions and this amounted to predatory banking. Again, he couldn't have cared less. I said " so there's nothing you're even going to try to do to fix this? '' and he said " no. '' When I asked him his name, his clear English turned to thick XXXX accent so I had to ask him his name several times. Finally I asked him for his business card.

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 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I discovered I was a victim of Identity Theft, and that Fraudulent accounts had been opened in my name.On XX/XX/2018 I notified the three credit bureaus of XXXX, XXXX, and XXXX, I placed a credit freeze and fraud alert on my file, I reported to the FTC along with XXXX   MASTERCARD  among others.XXXX  MASTERCARD  investigators established the account was verified accurate and kept active, and refused to correspond with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
This debt is for an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today on XX/XX/2018, I deposited two checks in the amount of {$1500.00} and some change. I have deposited these checks every two weeks for almost two years and have always been able to have at least some portion of my money. Today my bank account was negative XXXX cents, I deposited the checks and the bank told me Im XXXX out of luck. No money, and the associate from Wells Fargo suggested I write a check and hope whatever bills I have to pay dont cash it until Tuesday. Annoyed by this I tried to close my account, they told me no you can not close your account and you wont have youre money until Tuesday. When asked why they held my check as they have only done one other time when I was negative XXXX cents, they said they werent sure why there was a hold on the account, but when I brought up that it was because I was negative and they wanted to charge me three days of overdraft fees they quickly waived me off the phone. Give me a break.

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 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/XXXX I reviewed my account statement for a Cabinet purchase financed through Synchrony Bank, and was surprised to see that my statement more than doubled. I intended on paying my entire balance in full on my previous statement, which was {$1100.00} and was surprised when I saw my statement was {$2400.00}. Upon calling Synchroncy Bank, the initial representative was extremely unhelpful and I quickly requested to speak with a supervisor. 

The supervisor stated that the new balance reflected interest calculated through the life of loan. The online payment system kept telling me a minimum payment, which I made double, sometimes even quadruple on a monthly basis with the exception of XXXX so that I would have a little extra money to spend for XXXX gifts for my loved ones. The system only reflected the minimum payment expected for the loan without the calculated interested that was building up. The supervisor said that the fees assessed reflects total interest calculated for the life of the loan to this point. 

Additionally, the APR on this credit card is 29.99 % which I was not aware was happening. I was making payments to the best of my ability, even through job loss and under employment with the intention of paying off the entire debt today. 

The balance now, with the APR makes it impossible for me to do so. The supervisor insisted that they could only waive a single fee- the XX/XX/XXXX interest, but could not waive anything else- the life of the loan interest. She also stated that there is no way to settle the debt or modify the terms to make it more reasonable. 

This company is directly violating the FDCPA by making terms unfair, deceptive and abusive. There is no way that this should have happened. Synchrony Bank did attempt to reach out to me via phone call but never once left a message. Their emails to me never once warned me about this promotion ending and started harassing me for missing a single payment even though I had always paid more than the minimum. 

Furthermore, the manager that I spoke with at Synchrony Bank gave me conflicting information about where the corporate headquarters is, stating that they only had a PO box and did not provide a physical location to mail any payments, should I agree to mail a settled payment.

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 2019-01-05 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: DISCOVER BANK
State: NY

Complaint narrative:
Payment XX/XX/2018 of {$2000.00} paid to a law firm. 
Requested to have case put in a Jury trial court. 
after payment was made a agreement of {$500.00} to be paid monthly for a total of {$3500.00}. 
lawyer continued adjuring case until full amount was paid. 
lawyer never brought case to proper court house. 
After last payment was made lawyer relieved himself from case. Refused to bring case to a jury trial. 
Disputed with credit card company and they did not return funds after I requested a refund from lawyer. They state it is non refundable. open a investigation and they did not reverse it. Then I sent in a letter for a re investigation and they did not re investigate it at all. I had asked for proof and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: NC

Complaint narrative:
reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business 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 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A balance was carried over from XXXX XXXX to BarclaysJetBlue when XXXX XXXX ended the program with JetBlue. Below is the XX/XX/XXXX-XX/XX/XXXX payment history from the BarclaysJetBlue account. For two years, I have been consistently making early payments 2x the requested minimum without making purchases yet Barclays continues to charge interest on multi-cycle billing. I do not use the card, am trying to bring down the balance but the interest is the same month over month. I am asking for your intervention as is my right under the CARD Act of 2009, the Fair Credit Billing Act & Fair Credit Reporting Act. Recently, I sent a second payment in XX/XX/XXXX to be applied to XXXX billing and payment was not reflected. The Barclays billing and interest practice is creating a hardship and making it difficult for me to ever pay off this credit card account and negatively affecting my credit score.. 
XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
My card was charged with something i did not purchase. I contact the credit card company and they said they were looking into it. In the mean time don't do anything. After a couple of months of this happening several times the issued was resolved but the credit card was reported as late payment for 120 days. I tried to have it fixed with the credit card company to remove that late payment but no response from 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 non-monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. Have no recieved a follow up from the company. The was discharged through my bankruptcy and the account is still reflecting as if I currently owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: PA

Complaint narrative:
I made a payment on-line on XX/XX/XXXX, which I intended to cover the payment due on XX/XX/XXXX. The payment was applied to my XX/XX/XXXX due date, so a double payment was made. No warning was available on the Lending Club website to inform me that the payment was applied to the XX/XX/XXXX cycle. Now, Lending Club is unwilling to make an adjustment to make my loan current. My loan is now over 15 days late and a late fee has been applied. I do not have money in my budget to make an additional payment. 

So I'm being penalized for being early with my payment and not remembering the " fine print '' of a loan agreement. I feel like a reasonable person sees a due date as a deadline to make a payment, and would see it as better to pay prior to the due date than after. I'm sure I'm not the only borrower who has had this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company in response sends a letter stating they could not " VERIFY '' the account instead. Which shows they disregarded that I asked for " validation of the account ". The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: NC

Complaint narrative:
reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.

Company response to consumer: Closed with explanation