vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-29 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: IL

Complaint narrative:
Sent credit bureau FTC identity theft report and they still refuse to remove/delete 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 2019-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
On XX/XX/19 I applied to open an HSBC Advance Checking account in order to qualify for the bonus offer of {$350.00} for opening and funding a new account. The terms stated that you could not have been an HSBC client already and that once you open the account you had to fund {$10000.00} in new money between checking and savings and keep it there for 90 days. After applying for the checking account and getting confirmation that the application was being reviewed, I also applied for a savings account on XX/XX/19 so that when I deposited {$10000.00} it would be able to sit in the savings account earning higher interest. The savings account application was approved immediately while the checking account application was not approved for more than two weeks. I deposited {$10000.00} into savings as was outlined I could. After not receiving the {$350.00} bonus offer in the timeframe that was promised, I have contacted HSBC multiple times and have been told that I did not qualify for the bonus because I already had a relationship with them because my savings account was opened before the checking account, despite the fact that I applied for the checking account first and the only reason that the savings account was opened first is because they pushed through the savings application and delayed the checking application. They are also saying that the money had to have been deposited directly into the checking account, despite the fact that the terms and conditions of the bonus offer simply state that you must deposit {$10000.00} in new money between checking and savings accounts. Nowhere did it state that the money had to be routed first into the checking account. When I kept pressing that I was not satisfied with these answers, they have come back and said I also don't qualify because I did not use the bonus offer link ( which I did ), even though my wife used the same link I did to open an account and received the bonus. They have not offered any evidence of this and there is no way for me to disprove it. I did everything to comply with the terms of the offer in good faith and they are denying that I qualify based on technicalities that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been working for over 3 years on a " Loan Modification '' with CITIBank, made it to underwriting and was denied immediately and then proceeds to tease me saying " This is what we could have done for you had you qualified-a forbearance of {$55000.00}, with a 2 % interest and an interest/principal payment of {$330.00} on a balance of {>= $1,000,000} '' This is exactly what I have been working on for 3 years. I have financing available but because CITI will not comply with my request for a payoff letter honoring my payoff of $ XXXX to close out this loan that I have been paying on for over 13 years and they have me owing more than the house is worth, forcing me to pay {$500.00} for an interior inspection which was NEVER done at the time they " Granted '' me this loan and have given me a DEADLINE which I will not be able to meet and I have written to my CITIBank " Specialist '' requesting an extension to honor my ability to provide funds to close this account! I am sick and tired of how the Big Banks can have so much power over people, constantly harassing and threatening and putting so much fear into people just trying to save their houses. These Big Banks get fined Billions of dollars and they do nothing, it's just a slap on the hand for them, they continue with their corrupt and unconscionable abuse to the consumer.

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 2019-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A letter sent to me on XX/XX/2019 from XXXX about action taken and statement of reasons. Stating I have a derogatory XXXX HISTORY as a reason to deny credit. 
From the report from Experian XXXX XXXX XXXX XXXX. Among other reasons, I went online to Experian and can not find anything in public record. 

I sent a letter to XXXX wanting to know from were and about what on XX/XX/2019 

Is there another source?

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 2019-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
On XX/XX/2019 I travelled to XXXX XXXX of XXXX, MD to test drive, compare pricing and and ask about financing options. Three hours later I left the dealership at end of my visit dazed, frustrated at the events just happened. First, I left the dealership with a car I did not select. And an {$20000.00} auto loan that was approved without proof of income. In addition, my credit report was run and showed *poor credit. 

Moreover, I left with an installment loan payment of {$120.00} more than what Im currently paying. Further, the loan agreement has close to {$4000.00} in additional charges over the sale price of auto. 

On XX/XX/XXXX I tried to return the veichele to XXXX spoke to a manager and explained to manager all of the above and he refused to take car back. I explained for 2nd time to Manager their is no way I can pay this payment.. The loan was approved without proper validation of income. 

In summary, from the account executive that sold me the car to the auto finance Exeter .I firmly believe I was the victim of Deceptive and Unfair Sales and Finance Tactics that have potential to bankrupt me due to my poor credit.

Exeter Currently charging 21.47 APR and is a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX XXXX which was an original creditor stated that there was a balance on account which was close. The account was sent to Diversify collection agency which I disputed with XXXX  credit as being inaccurate and account was subsequently removed on XX/XX/XXXX report # XXXX. XXXX of XXXX the account was reported again on the credit by the same company for the same account which was already removed. I have contacted XXXX  who stated that they are unable to assist. Creditors should not be allowed to place the same item which was removed from the credit as a result of inaccuracies on the credit profile again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I had another USAA member send me {$4000.00} on XX/XX/19. He asked to purchase bitcoin from me. I am a well known investor in bitcoin and I have a great reputation. Anyway, I didn't want to do this as a member to member transfer, but a wire. 
Eventually after he sent me a drivers license and selfie, and called me from a registered landline, I agreed to it. He was of clear mind, not intoxicated, and knew what bitcoin was. He said he wasn't purchasing it for anyone else. 
USAA only allows members to send up to {$1000.00} using XXXX by the mobile app. In order to send {$4000.00} to another member, he had to call in and get verified by USAA. They do this by sending a text to his phone and having him read the numbers back. 
The money was transferred to me, and I released the bitcoin to him. 

The next day, I called into USAA because I was worried maybe someone might have been running a romance scam with this guy or doing something else shady. If he had been scammed in some way, I didn't want him to lose any more money. He had around 25-30K in his account and I didn't want him to lose it all. If he was really scammed and not of sound mind, I would even send the money back. 

USAA however, chose to be dishonest with me. They came back me and said, " The member said his computer was hacked and that is how the money was transferred ''. 
This is not possible, USAA is covering something up. 
They chose to close my accounts and stop doing business with me over this money transfer. In this case, I would like my {$4000.00} back. Otherwise I will sue for it because I only authorized return of the money in case of a scam, not lies saying his computer was hacked. If his computer was hacked, the most he could have transferred was {$1000.00}. He called in on the phone, got thoroughly identified by USAA and the agent transferred the money to me. 

I don't mind returning money when someone is being taken advantage of, but clearly I am the victim here of a scam ... .One in which USAA has chosen to take the scammer 's side for some reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: IL

Complaint narrative:
Sent credit bureau FTC identity theft report and they still refuse to remove/delete inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: IL

Complaint narrative:
Sent credit bureau FTC identity theft report and they still refuse to remove/delete 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 non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
Opened a key bank checking account around XX/XX/XXXX during a promo in which you deposit XXXX $ & they send you XXXX $ had 4 representatives tell me different stories. 2 representatives had no knowledge of the promo never told me you had to make a single deposit of XXXX $ in order to receive the XXXX $ then another representative tell me months later on XX/XX/XXXX you had to make a single deposit to receive the XXXX $ then the last representative tell me you had to make a single deposit off XXXX $ in order to receive the XXXX . Ive wasted months trying to do exactly what was asked only for it to be the wrong information. Ive been directed to different people & my issue still hasnt been solved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Reported theft of funds by debt card. Bank refused to refund fraudulent charges. under Electronic Fund Transfer Act the bank must do so. The stole about {$3000.00} the bank under the law must refund anything over {$500.00}

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 2019-06-29 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT I'M A DISABLE YOUNG MAN THAT HAS BEEN A VICTIM BY A UNKNOWN PERSON THAT IS ACTING AS THEY ARE ME THEY ARE OPINING FRAUDULENT ACCOUNTS UNDER MY NAME

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 2019-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Fair Financial Corp.
State: CA

Complaint narrative:
Hey folks. 
I've leased a car using Fair app in XX/XX/2019. 
Following their return policy, Ive return the car the next day in XXXX. 
Fair had a system glitch and now one of their departments trying to collect money from me for the car. And the other department said that they hd system outage and my return is acknowledged but their billing and collections department will not be aware of the return until they fix their system problem. 
So now in the end XXXX I am still getting money collection notices from Fair for an already returned car. 
This is what I got from Fair support, which is really frustrating and weird : " My name is XXXX, I am with the returns team. I am reaching out to inform you of the reason you are still receiving the notifications for payments on the vehicle you have returned. I want to be totally transparent with you, we have been having technical issues with getting the return information to our payments department in order to update their end. We are aware the vehicle is returned and are avidly working to get this issue resolved. Any balance you getting that is outside of the return date will be recalculated. You will continue to get these notifications until the issue is resolved. We understand that this is not an ideal situation and really appreciate your cooperation with us through this process. 

Please let us know if you have any additional questions or concerns. "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I retained an attorney as a result of overcharges and overbilling to my escrow account for taxes and insurance. My attorney XXXX XXXX XXXX XXXX has contacted the Mortgage Servicing Company, Roundpoint, on numerous occasions and requested they contact. I have also made the same request numerous times. Despite this I received a call onhttps : //www.consumerfinance.govXXXX XX/XX/2019 which I answered, informed the caller who stated he was from Rounpoint that I had an attorney, gave his name and told him to speak to him and hung up. I received another call the next day and the same thing happened. I called my attorney to inform and he wrote complaining of this.

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 2019-06-29 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: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT I'M A XXXX  YOUNG MAN THAT HAS BEEN A VICTIM BY A UNKNOWN PERSON THAT IS ACTING AS THEY ARE ME THEY ARE OPINING FRAUDULENT ACCOUNTS UNDER MY NAME

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 2019-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC
State: NV

Complaint narrative:
Back in XX/XX/XXXX I paid the account down to XXXX dollars. I wanted to pay the account in full my next payday but the site would not allow me. I would get an error message saying account doesn't exist. Today XX/XX/XXXX i received a text from the company saying I have a payment that is due and remaining balance is XXXX. Due to the site error now i have XXXX dollars in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I received papers of a garnishment at my employment and was unaware of any judgement. The debt is from XX/XX/2011. The amount is {$1600.00}. I called the company and explained that I never received any notification of the debt or judgment. This debt does not show up on my credit report either. If so I would have taken care of it. I asked company if they could drop the amount and could only do {$80.00}. This debt seems like scam since it shows up nowhere expect for Johnson Mark LLC attorneys at law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander is reporting a {$9500.00} debt that was covered. This debt is Santander 's tactic to defraud the United States IRS. I had a previous auto contract with Santander. I was in a non fault accident and the at fault person 's insurance in addition to my gap insurance paid the remaining balance on my account. Santander accepted the at fault insurance payment and the gap insurance payment. I do not owe Santander any money. I have no contract with Santander anymore. I requested validation of debt. I NEVER received any type of correspondence to even validate the fraudulent amount of {$9500.00}. They have violated many FDCPA violations. Santander has use my personal information to receive a tax write off for a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29 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: FL

Complaint narrative:
I BEEN A VICTIM OF IDENTITY THIEF. SOMEONE HAS GOTTEN HOLD TO MY INFORMATION AND HAS OPEN FRAUDULENT ACCOUNTS UNDER MY NAME I AM A XXXX 22 YEARS THAT DON'T UNDERSTAND WHY THIS IS HAPPENING TO ME PLEASE HELP ME RESOLVE THIS MATTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've filed a FTC Identity theft report and sent it to all three credit bureaus and even the company that's reporting. I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported are : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
PLEASE SEE ATTACHED I AM THE VICTIM OF ID THEFT AND US BANK HAS REFUSED TO REMOVE THE FRAUDULENT DDA IN MY NAME I AM ATTACHING MY FTC ID THEFT REPORT AND LETTER FROM FURNISHERS. I ATTEMPTED TO OPEN A BANK ACCOUNT AND WAS DENIED DUE TO THIS 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 2019-06-29 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My ex wife refinanced what was our joint mortgage in XX/XX/XXXX. That should have happened in XX/XX/XXXX but that is a different story. I contacted Wells Fargo and they claim I am responsible for a loan that was modified by a single borrower that changed the terms of the loan. I would have never consented to the changing of the terms and would have pushed for a sale of the property instead.

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