vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
On or about XX/XX/XXXX I entered the XXXX XXXX XXXX, later XXXX XXXX of XXXX, as a Business student. I continued my classwork until XX/XX/XXXX, when I was hit with financial issues, and had to drop out of school. In XX/XX/XXXX, XXXX XXXX of XXXX abrutly closed its doors and left many students, like myself without the opportunity to continue their education. Now in XX/XX/XXXX, I am paying back a student loan for a school that has closed. According to what I have found, the grounds for student loan cancellation is that a school closes ( such as XXXX XXXX ). I have been in repayment status for approximately one-year, and when I recently submitted my request to cancel my student loans due to this provision, I was provided with a short-term forebearance that ends XX/XX/XXXX. This is NOT what I originally requested. 

I still over over {$8000.00} for an education that I can not complete. I have not requested that they review my " Loan Cancellation '' form since my original request in XX/XX/XXXX, since I do not feel that they will respond to me with an accurate explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation
State: FM

Complaint narrative:
I applied for an avant credit card and was APPROVED for {$1000.00} credit limit. My current XXXX score is XXXX, my salary is {$38000.00} and i submitted proof of address to verify my identity. There are no accounts in collections on my credit. My XXXX XXXX FICO is much higher than most of their applicants. My aunt was just approved for a {$500.00} card and she has a bankruptcy on her credit and her score is only XXXX. My uncle was approved for {$1000.00} as well and his XXXX XXXX FICO score is only XXXX. We all applied the same day and at the same time. 
After i sent in my proof of address, I called and spoke with an agent who confirmed my approval and stated he had to hang up and call me right back to verify my phone number. I waited but never got a phone call. Two minutes later, I received a retraction of my approval from XXXX stating adverse action. I called back and demanded to speak to a supervisor and was transferred to a XXXX, who claim she didnt have an operator ID. I explained to her the situation and she laughed, stating, " we never approved you for anything. '' HOW RUDE!!!! I have a screen shot below of my approval. It's valid because when my grandmother applied, she was instantly denied. So, i know there is nothing faulty with their approval system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I purchased a XXXX XXXX XXXX from an auto dealership in XXXX, AL. It wasnt until XXXX I found discrepancies in regards to the Retail Sales Contract ( Forged Signature ) that I am held to currently and the interest rate followed by the loan terms. In XXXX I began my journey of cleaning my credit, and it was at this time I noticed that my loan terms were 80-81 months, my Intrest Rate was 21.07 % and through my transaction history via the Chrysler Capital website I found that the majority of my payments went to Intrest and fees and hardly any to the principle balance. I have also noticed a trend in the company reporting incorrect amounts due to the credit reporting angencies. Concerned about the findings I requested a copy of my contract along with the XXXX-XX/XX/XXXX billing statements because I could only see statements preceding that period. I was told that the company had no way of accessing those statements and they could not provide such and that my contract would be mailed and in receipt shortly. A few days passed and I inquired about the contract again and was told that they would send another copy just in case. A little after a week I received the Retail Sales Contract during which time it was only one sheet and this contract stated loan terms of 74 months & {$460.00} beginning XX/XX/XXXX ; 1 month & {$440.00} Final Payment Due XX/XX/XXXX ( I am in receipt of the original ). A few days later I received a second contract with the arbitration as well but this contract state 75 months of {$460.00} and no final payment due and I noticed that the signatures were slightly in different places and my signature was not that of my own. Each document has a typed date stamp, and when I look over all documentation that I have I am led to believe that everything typed was done after the fact. I would have never consciously agreed to pay in total more than half of what a vehicle is worth especially when the vehicle traded was paid ( no monthly payments ) and in great working order. I am lead to this conclusion not only because of the credit reporting agencies are stating whats reported to them directly by the company ie. Loan Terms and APR but looking through my documentation, some documents have a date of XX/XX/XXXX and others XX/XX/XXXX. I made only one trip to the dealership at which time I had a witness and there are too many discrepancies to suggest all documents were provided at the time of purchase because they would have raised red flags for myself as well as my associate. I do know that the requested years statements would prove that the monthly payments changed especially in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: MO

Complaint narrative:
Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
mortgage loan XXXX receive a call from my old employment that 21st mortgage was calling to verify employment I know longer work for the company because I was laid off due to no work. We have fallen behind but I currently started a new job on XX/XX/XXXX we will be caught up by the end of XX/XX/XXXX. Due to previous instances with this company they are to notify me via mail. My prior employment was concerned because they call to verify credit and employment. Why would they be verifying credit with my old employer. They have continue to call them that they reach out to me to ask this company to stop calling them. Once again why would a company reach out to an emploer on multiple occasions when they are to notify us vua mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I would like to publicly say that I am terribly offended by Toyota Financial throwing every misleading fact in my face. I received their recent response regarding my more recent compliant and it seems that they are A ) denying that I had any sort of problems with their electronic payment system JUST because they had no " widespread issues ''. That is awful because I ACTUALLY did have issues sending out my payment and the same error was happening on my app. I don't appreciate being quoted generic regulations and rules when I do not believe the company is being transparent with me or the CFPB. I never selected to remove my banking information and get off of autopay ... why is THAT not being investigated? i can not understand why that happened. They want to make me feel like the only responsible party but why can't they understand that electronic error can occur too. I have been a great customer and this is ridiculous. 
B ) The only calls I was getting was from their agents attempting to get me to buy a new car and telling me that with my exceptional credit history I can get a new car and not pay end-of-leasae fees and so I asked you give me time and they set me up on an extension, month to month lease ... whatever they are claiming for XXXX and XXXX was during that interim phase where I had NO CLUE what I was supposed to do because they had damaged my CREDIT. My lease contract was up so why was I not instructed and given a contract for the extension so I know what is due and when? without a contract and anything in stone Toyota can not keep throwing lies in my face. Their agents who call are so greedy and so busy trying to convince consumers to get a new car, fall under more debt and are lied to and told the sooner we decide the better for us that they actually dont care that they are single handedly DAMAGING our credit in the mean time! Is it not ironic that the months you called me to convince me to get a new car you ruined my financial life? Honestly, XXXX/XXXX  were not my fault, do not throw it on me. you say I got this call and that call but why dont you be honest and say WHY you were calling me? Not to tell me my autopay was disabled and that my payment didn't post, your company was calling me to solicit a new car. I do not understand why and how the autopay was removed and I do not understand why you won't release my calls to government agents here at CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC.
State: AZ

Complaint narrative:
I received a telephone call on a company phone number from a XXXX XXXX @ RAB  http : //rabtx.com/XXXX XXXX. XXXX called stating that an account was placed with his firm for collection. I informed XXXX that the number he was calling was not associated with this debt and asked him to not call again. XXXX then began to tell me that my name was the individual that had ordered the service that was in collection. I was an employee of that company at that time - not an XXXX  - not a financially responsible individual. XXXX then began to repeatedly call three different phone lines that I personally have. One call I answered he shouted that he would contact my husband ( and told me his name ), my son ( told me his name ) and daugther in law ( told me her name ). He then began to scream at me over the phone ~ loud enough that other employees could hear him and are willing testify to the emotional turmoil it caused me. I hung up and he called back and spouted off my SSN, & home address and proceeded to tell me that he would show up at my home to collect the money. This individual is now spoofing numbers and calling my number showing up like my boss and calls from them showing up on his phone as me. This has been harassment like I have never experienced before. 

PLEASE KNOW THAT I AM NOT THE RESPONSIBLE FOR THIS DEBT, HOWEVER, I DID FILL OUT THE INFO ON THE LAST PAGE AND CHECKED " JUST ME ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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:
AFTER REVIEWING MY CREDIT FILE I HAVE NOTICE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME AND NEEDS TO BE REMOVED IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH THESE COMPANY NOR HAVE I EVER HEARD FROM THEM TO EVEN DISPUTE THE VALIDITY OF THESE ACCOUNTS TO INFORM THEM THAT THEY ARE INDEED A RESULT OF IDENTITY THEFT. 
Please remove this information from my credit file as these are a result of identity theft. 
XXXX XXXX XXXX XXXX {$20000.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX. {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX {$1300.00}. XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX. {$1600.00} 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 2018-09-06 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: FL

Complaint narrative:
I wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted Santander to request two late payments to be removed and was told to file a complaint or dispute instead ; Santander will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is a Debt with XXXX XXXX XXXX for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with 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 2018-09-06 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX. 
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification. 
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand. 
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had a loan that was previously owned by XXXX but was purchased by Well Fargo earlier this year. In my original loan, all balances including escrow were current and there were no deficits at time of transfer to Wells Fargo. Wells Fargo has a policy to contain a higher escrow reserve than what the previous company required. As a result, I am being required to pay more in escrow to accommodate the policy. It appears to me that Wells Fargo is essentially modifying the original loan terms without my consent I would like to file a formal complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had an account with XXXX that I used to send money to friends. Two years ago, I was banned from XXXX. They sent me an email saying I violated their terms of service. I tried to follow up with them to understand the exact terms I violated. I got no response. A couple of weeks ago my friend told me to follow up again. I got in touch with XXXX and a representative sent me an email saying I was permanently banned from XXXX and that they do not share their share their decision making criteria. This is very confusing since I had not done anything out of the ordinary and can't understand why exactly I was banned from the service. The inability for XXXX to explain what term I violated is concerning. I have no way of knowing why I am being excluded from this service, so this is why I am reaching out for your help. I know I did not do anything illegal, so I think XXXX should be more transparent of why they made their decision, especially given some of discriminatory setback associated with the financial services and XXXX XXXX. I am a law abiding XXXX XXXX man with no criminal history, so I am concerned this denial of service could be for other reasons.

Company response to consumer: Closed with non-monetary relief