vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
On XXXX I purchased a XXXX XXXX from XXXX XXXX financing was being done by XXXXSantander..I executed all documents and assumed it was complete.The process was choppy and confused as signing was rescheduled and when I finally picked up the vehicle things seem to be resolved and I signed a XXXX XXXX XXXX contract on XXXX that was dated XXXX left with the vehicle on XXXX and got a ticket for no inspection sticker even though it was supposed to be included and was listed on the itemization.Then the real problems began and I received a call from someone at XXXX saying that I needed to fill out another application on line because the loan was not being " funded '' by XXXXI did that and received subsequent calls from XXXX trying to sell me another car??? On I received several subsequent calls from XXXX saying it was all set and then it was n't and I needed to do another XXXX  application??? The entire situation was ridiculous.They had my downpayment, I had signed all the loan and ownership documents but apparently there was some probllem between XXXX and XXXX XXXX I spoke to XXXX in XXXX to I believe a XXXX XXXX, who said she thought it was all set and that I should check with XXXX so my father and I called XXXX and spoke to a XXXX  and XXXX in Internal lending and they confirmed that there was some " irregularities '' with the loan because the vehicle was exchanged on XXXX.I advised her that that never happened.Apparently XXXX was trying to cover up for some internal errors with their documentationShe then was emphatic that we should be all set because the numbers matched on the application numbers and the loan would be funded.This funding issue was not my problem but we thought it was resolved.We even discussed when the XXXX payment would be due because now all the dates were different.She said it would n't be until XXXX days after the funding date and I would get a statement and interest would only accrue from the funding date. 

On XXXX I received in the mail a notice that the car would be repossessed unless I came up with XXXX?? This is insane the dealer did the financing and apparently had some clerical issue with the funding source and this is somehow my problem? They are trying to hold me responsible for their internal error.I have no issue paying the loan but it is unfair and deceptive to hold me accountable for their errors.They also violated fair credit with the errant disclosuresThey are a mess and this was ridiculous.I buy a car with XXXX XXXX  interest with dealer provided financing and I am responsible because they XXXX up?????? They are holding me responsible for their internal accounting and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
I was receiving constant calls from their company even after I made arrangements to pay. In addition they called by XXXX of my family members in XXXX day ( my parents homes and they are elderly and my husbands place of employment and left messages with both. XXXX of the calls made on the same day was at my spouses place of employment where they left a message as well. Harrassment They had a good contact number for me and actually spoke with me. They intintially damaged my credit because of this dispute. I have legal counsel on retainer for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I.Q Data International collecting a disputed debt on behalf of XXXX XXXX XXXX XXXX, has reporting an amount due as delinquent debt to the credit reporting agencies. The contested debt is basically for " pest remediation '' and the lease provides that such amounts are chargeable only based on the " negligence '' of the tenant. The disputed debt is therefore not a voluntary credit transaction under CA law. XXXX : XXXX case. 

Nonetheless, I offered to pay the full amount of the debt upon the offer of the IQ Date Intl agent that she would remove the tradeline. However, the agent said this offer was only available if paid within the next hour. I requested that the terms of this agreement be put in writing and then I would pay the debt so as to remove the tradeline. The agent refused to send a offer letter, or letter confirming the oral representations. She also failed to provide the mini miranda disclosure and said she only needed to make that disclosure on the first call with me earlier. The agent also acted in a rude and unprofessional manner and essentially hung on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SECURITY CREDIT SYSTEMS INC
State: NM

Complaint narrative:
Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX & XXXX levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of {$800.00} and trying to get {$8000.00} more onXX/XX/XXXX. I called them on XX/XX/XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing 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 2017-10-27 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I initiated a balance transfer to send XXXX from my Barclay credit card to my XXXX XXXX XXXX equity line of credit on XXXX. It is now XXXX and I still have not received the balance transfer and every time I call they say they will investigate and refuse to send any proof that the balance transfer was processed. XXXX XXXX has asked for proof several times either a transmittal number or a cashed check. Barclay has not sent anything.

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XX/XX/XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!!  It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: TX

Complaint narrative:
I have had several problems with Equifax actually investigating inquires on my credit report. I have submitted disputes and they simply send me a letter to call the creditors in question. I have called the creditors and they tell me that I MUST OPEN A DISPUTE with the credit agency directly to get it resolved. 

I keep getting the run around from Equifax about their investigation process into inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Hello, I tried to transfer my membership rewards points and I got a message stating that my account was under review. I am not sure why it would be under review when I legitatly made all purchases and I met every minimum spend requirement. If there was any returns I made sure to spend enough before the minimum spend time frame was up. I tried calling and talking to the membership rewards team and nobody could help me. I told them I urgently needed to access the points but they said in verbatim, wait XXXX weeks. For a company that prides itself on excellent customer service, this is absolutely unacceptable. I was n't rude, I politely asked for someone to review my account right now because theres nothing wrong at all. Please review the account that is frozen and allow me to access my points. I love american express and i look forward to continuing this relationship. Please do the right thing. 

Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I sent Vance & Huffman a letter in which they received on XXXX XXXX, XXXX disputing an account on my credit file. I asked them to send me the XXXX XXXX, and promissory note along with my wet ink signature and they have failed to provide me with that information as well as they have not put my account in a disputed, nor have they verified the status per 15 U.S Section 1681i ... This account also has missing and inaccurate information listed which is in direct violation of the FCRA..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have banked with Citibank for over fifteen years. I have two accounts, one on which I am the only signer, and is over fifteen years old. The second is a newly opened joint account on which I am the co-signer. 
OnXX/XX/XXXX, I made a cash deposit of {$7400.00} ( XXXX XXXX XXXX XXXX  XXXX dollars ) to the account on which I am the only signer. 
Thereafter, Citibank placed a block on my account onXX/XX/XXXX, and cited the deposit of multiple checks on the evening oXX/XX/XXXXas a reason for the block. I have ATM receipts which prove that the deposits made were in fact cash, and no checks were involved. My account has been blocked for over a week with no explanation other than the deposit of multiple checks on XX/XX/XXXX, which in fact never occurred. 
And onXX/XX/XXXX, they informed me that they had closed my account, and would be keeping XXXX dollars of my money. The newly opened joint account was also blocked with no explanation as to why.

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 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I called Bank of America onXX/XX/XXXXaround XXXX est to get information about one of their mortgage products. I spoke to XXXX XXXX, and he said he would call me the following day. The following morning, I received alerts from all 3 major credit bureaus that a hard inquiry was now on my credit report from Bank of America. I never authorized Bank of America to pull my credit report, nor did they ask. When I called yesterday around XXXX to have them send me a deletion letter, so I can get the inquiry removed from my credit report, no one would help me.

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 2017-10-27 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: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MT BANK XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: PA

Complaint narrative:
Wrote TransUnion letter on XXXX, and advised them that I am a victim of XXXX data security breach inquiries on file are a result of the XXXX data security breach. XXXX never responded to me, and I called several times and was on hold for over XXXX minutes.

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 2017-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. 
Account # : XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XXXX XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!! It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
This relates to an ongoing dispute with Sychrony Bank, the previous complaint was CFPB XXXX XXXX. Unfortunately, virtually all of the commitments that XXXX XXXX, XXXX XXXX made were not kept. 

I left her multiple messages at the number provided, she did not return any of my calls. It has been more than 90 days since I opened the dispute and they still have not responded. They promised not to put derogatory info into my credit report while the dispute was open, they in fact illegally put derogatory information in my XXXX report. 

My request is quite simple, I would like them to provide a copy of the receipt that they claim that I signed via an in person purchase. I am certain that I did not signing anything like this. 

I believe that both Synchrony and XXXX XXXX have violated my rights in this matter. I am requesting a full investigation of this matter.

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