vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday, I received an e-mail from 5/3 explaining to me that I am enrolled in auto bill pay. I never enrolled or ask to be in this program, and it has been done without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On or about XX/XX/2018, while I was 39 weeks XXXX and at XXXX at a doctors appointment, my leased car was repossessed while parked in the XXXX parking lot. I had always made full payments and always paid my lease whether I was late or not. I called XXXX XXXX XXXX in XX/XX/2018 and explained that I was interested in an early termination lease due to a significant life changing event ( giving birth to my first born ) as outlined in contract under terms of early termination. My concern was I didnt feel the XXXX XXXX was safe enough for my baby and the car seat didnt fit in the back seat correctly due to the narrow space in back seat and having to install car seat rear facing per law. Chrysler Capital said I couldnt do that. My due date was fast approaching XX/XX/XXXX while my lease was up On or about Late XXXX or XX/XX/2018. However, again on or about XX/XX/XXXX my car was repossessed with all my belongings to include new infant car seat, hospital bag, stroller, and personal belongings while I was due at any minute. The suffering, pain, and emotional stress caused was so overwhelming as imaginable. XXXX XXXX refused to let me lease/own a new vehicle in exchange of terminating my lease early per terms. I had a valid reason and significant life changing event to justify why I was seeking an early termination but XXXX XXXX discriminated against me for being XXXX. XXXX XXXX had no regard for my necessity or well being and charged off my account sending me a bill for excessive thousands of dollars while I only had 4 months left on lease! XXXX XXXX refused to allow me to terminate my lease for my life changing event. That is appalling as a consumer, single mother, and XXXX XXXX. I did not break my lease! XXXX XXXX did by not allowing me my rights per terms on contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 Capital One deactivated my credit card because of a possible mass compromise. I tried to use my card on XX/XX/2019 at a grocery store and was unable to complete the transaction. However, I did not have time to contact Capital One to find out why. On XX/XX/2019 an attempt to use my card for {$0.00} was declined by Capital One. I was not notified of this attempt, even though I am setup for alerts by Capital One ( text and email ). On XX/XX/2019 I attempted to use my credit card at a gas station. It was declined. I called Capital One and was informed that my card had been deactivated and they would send me a new card. My complaint is that Capital One did not notify me that they had deactivated my account but waited until I contacted them. Also, they are not offering any identity theft protections as a result of their suspected mass compromise. I thought there were rules about notifying consumers when their account has been possibly compromised and providing additional protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was a victim of fraud which was quite unfortunate. My information was stolen and I later found out that my card had been used to make purchases. There was a spending spree that tool place and doesn't match any of my spending habits or patterns and wouldn't do. Upon my noticing I immediately contacted Capital One fraud department and they informed me that wouldn't be responsible for any of the charges because of zero liability and I didn't have the card. There were several charges spanning from XXXX. I received a letter recently informing me that investigation was completed and no fraud found. How?!! That isn't possible. I contacted rep on letter and after several attempts finally got to talk to him and he was very rude, harsh and dismissive of me. A terrible experience. I informed that I didn't/do n't have the card so how could I be responsible for charges when I didn't make them and also informed him there is no evidence that would even suggest I did or no proof!! This is not within policy and I am not responsible for the charges. I didn't have the card, didn't authorize any one on my behalf to use and also contacted them as soon as I notice. The total charges amount came up to {$3900.00} and I would never run up that amount or spend that at one time. History shows that and looking at places listed its outrageous. Most of these locations aren't even suited for me. They also have an old address of mine listed where some one could have interjected and taken the mail. I haven't been there so I wouldn't know. I did not make those charges and was informing but they didn't care to listen at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: TX

Complaint narrative:
I had two Comenity Bank store credit cards. One was for use in XXXX stores and one was for use at XXXX XXXX stores. The accounts both had a XXXX balance and had a 100 % on time payment history. I had not charged anything on them for a while due to the fact that I have been sick and in need of a XXXX XXXX and on a fixed XXXX income. 

Both accounts were closed by Comenity around the XXXX of XXXX with no reason or prior to request that I take any action. When I called Comenity, they said they closed the accounts due to inactivity. They told me they could not reinstate the accounts, but that i could reapply. This action negatively impacted both mine and my wifes ( who was an additional card holder ) credit reports and scores. This is not fair to consumers in any way, shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: AL

Complaint narrative:
We closed on our home XX/XX/XXXX. I was notified by XXXX XXXX of Academy Mortgage one hour before closing that my interest rate was higher than what we had agreed upon in XX/XX/XXXX. It was 4.25 % instead of 3.5 % from the Good Faith Estimate. She told me not to worry because she was handing me an envelope of {$400.00} cash at closing that would cover the difference for 6 months, and then she could refinance us at the end of 6 months. The cash did not cover 6 months of the higher payment. I contacted her 6 months later, and she said the rates were higher, and she was not able to lower our rates. I contacted an attorney in XX/XX/XXXX. This was supposed to filed in the court system, but the attorney has stopped communicating with me after he told me that her attorney was one of his good friends. The higher interest rate costs us {$170.00} a month more on our mortgage than what we originally had agreed upon. That is {$61000.00} over the course of the mortgage. 

I have emails and text messages between XXXX and I that I can forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: OH

Complaint narrative:
NELNET CONTINUES TO REPORT A 1 TIME LATE ON MY STUDENT LOAN WHEN THE ACCOUNT WAS IN DEFERMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I initiated a chargeback with Citibank for a merchant charge with XXXX XXXX. Citibank 's reversed that chargeback, but refuses to provide me with the specific guidelines they use to make chargeback determinations In my conversations with Citibank, I have been urged to initiate another dispute for this matter. In support of my new dispute, I, or and/or my attorney will need the guidelines used by Citibank investigators to permit or deny disputes. As a law enforcement officer, in order to take enforcement action, I must follow written rules. Citibank must also follow certain guidelines. It is not a reasonable request for myself or my attorney to initiate the new dispute that Citibank has requested without being completely privy to the guidelines Citibank claims to be following in it's decision making process.

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 2019-05-23 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: TX

Complaint narrative:
I called Transunion and told them I was a victim of fraud with their Inquire issue with someone applying for different credit cards and car loans and they refused to help me get those invalid inquires off of my report. Here are the list of items I tried to get help with. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There were promotional purchases that had huge interest rate increases if not paid in full. The expiration was not properly highlighted to me as I use paperless statements. It is buried in the normal monthly statement and even though they send out a separate notice that a monthly payment is due and the amount and the date they did not send out a separate payment that the special interest rate was expiring. I think this is done purposely to incur huge interest fees on people that are otherwise unaware that the promotion is expiring a year or two after it is applied. 

Even normal credit cards will send an email notice of promotions or something that is about to expire that is separate from the normal statement. I think this is especially egregious on a card that is used purposely for medical expenses. It prays on a separate set of the population unfairly.

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ABSOLUTE CREDIT  LLC
State: NY

Complaint narrative:
On XX/XX/2017 I went to medical clinic in XXXX NY when I was in college XXXX XXXX XXXX I had XXXX and then had XXXX XXXX to the XXXX. The doctor transferred me to XXXX XXXX by ambulance I did not consent to this because I was given XXXX XXXX The cost was {$1700.00} and my insurance XXXX XXXX XXXX, would only cover the cost if proper reasons are given for ambulance use from one facility to another facility. The ambulance company XXXX XXXX XXXX will not provide proper paperwork, XXXX XXXX and XXXX XXXX XXXX will not follow up. I have insurance through my Dad who is a XXXX XXXX. We are trying to straighten this out but everybody is pointing at the other guy and the collection company is threatening me all the time nonstop. How do I straighten this out. Please Help. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NYXXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: TN

Complaint narrative:
I wrote a check on XX/XX/XXXX, to an individual, to rent a vacation property in XXXX for a week. The check was a deposit on the rental of the property for {$300.00}. Shortly after mailing the check, I cancelled the reservation and was told there would be no charge. The check cleared my bank account on XX/XX/XXXX, eight years and 11 months later. 
I contacted my bank and they told me the check was stale but not invalid and that I needed to talk to the payee to resolve the issue. In trying to find the payee I discovered that she passed away in XX/XX/XXXX. I am sure the endorsement on the check is fraudulent. It has the payees name and then states pay to the order of her son. 
This, now a third party check that is almost nine years old, was cashed by Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma
State: TX

Complaint narrative:
I currently make payments on the account that is supposed to be delinquent and is showing up as a negative on my credit report. At one point, I tried to call and make a payment to the hospital and after 3 weeks of phone tag I forgot to call back. The following month I forgot about the bill and by the time I remembered I called and they had already sent it to collections. I have made consistent payments other than that incident. This is also a medical bill, and it is against the law for a hospital to turn over that information to a third party. It needs to be removed from my credit not only for that reason, but because I make monthly payments on it and have consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX and XXXX I was one of the impacted by the cyber breach of equifax and my data have been compromised. I have been complaining to equifax about an authorized hard inquirys in my report since XXXX but it hasnt been resolved. As of today XX/XX/XXXX I have signed up with a XXXX party credit montering and I would like equifax to remove all my previous credit inquiries from my report as I have not authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: FL

Complaint narrative:
My husband is the debtor but this company is contacting my former co-workers and asking for him or me. I am not responsible for his student loan debt. The people being contacted are unrelated to my husband and this is affecting my professional reputation.

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 2019-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
My bank card has been used by this remittance company Remitly and the amount XXXX XXXX} was taken out of my bank account. I rang them but they just ignore my call as Im not the owner of the account where my money was taken out today XXXX XX/XX/2019 at XXXX XXXX   time. I rang my bank in order to block any further transactions of this company. I have my proof of the banking transaction that they have taken my money out and that the sender has different name on their remittances details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
One XX/XX/2015 I received my first credit card from " XXXX XXXX XXXX  ''. Within less than 10 days of having the card, there was initial fee {$75.00} on the online statement. I call the company on XX/XX/2015, to close the card. They informed since, I only had card withing less than 15 days, they were not going to report anything to credit bureau. At that time I only owe them around {$100.00}. I sent money order withing 2 days of cancelled the card to in California, which they provided to me over the phone when I was cancelling the card. 

Almost year and half later, I checked my credit report and saw XXXX XXXX XXXX Had been reporting to the credit bureau. Infact they had reported 7 months current payment and 8 months non-payment. I had send dispute to the 3 credit bureau and they didn't resolve my issue. 

I contacted XXXX XXXX XXXX in my state. XXXX XXXX XXXX did removed the negative reporting. 

While this was happening LVNV Funding LLC took over the false debt and start reporting my credit report. I had send several disputes them and they would not remove false debt. I need help solving this issue. Below is the account in question information. 


Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Account Number : XXXX Reference Number : XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my regions Bank account in 2012. I have had trouble with excessive fees being withdrawn from my bank. It was not until 2 days ago that a lady named XXXX at Regions bank told me that the account that is seen on line by the banker is not the same way the consumer sees it. She stated that if a merchant doesn't clam the money that has been debited in 3 days the money " appears '' to be back in the account showing balance higher than it actually is. Becasue NO one in 7 years ever explained this to me nor bothered to tell me that overdraft protection does NOT protect your account from over draft fees, They have taken out in fees in the last 7 years a grand total of {$10.00}, XXXX. I believe this is an exorbitant amount!! I would like to have these fees reimbursed to me. I have talked to a banker from regions today and they said they would not be refunding any additional fees to me. They did refund a little over {$200.00} and stated that '' s all they can do for me, 2 days ago but refuse to refund any other Fees. Please help me Sincerely 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 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Paid off mortage electronically. Can see it on line. Company keeps making excuses why they can not send off a pay off letter. Paid off XX/XX/XXXX. Then they said we owe {$1.00} more. so it was sent in electronically on XXXX XXXX. Now they they recievec that money and tell us the money is in a suspense account. Not sure when they can send a letter off. Company name is PHH Mortage services XXXX XXXX XXXX XXXX XXXX NJ. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today, XX/XX/2019 I received an email from XXXX XXXX   stating that I applied for a credit with XXXX XXXX   XXXX FL XXXX which I did not do.

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 2019-05-23 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: Block, Inc.
State: OH

Complaint narrative:
I sold a phone on XX/XX/XXXX and used cash app to receive the money. On XX/XX/XXXX this person requested a fraudulent refund and they took the money out of my bank account. Ive contacted cash app multiple times and havent received a response on this matter. Ive filed a police report and fraud charges through my bank account.

Company response to consumer: Closed with explanation