vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks,  they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX XXXX CMA # XXXX Last Friday, I noticed my online access to my XXXX XXXX account has been disabled, and I could not get into my account. After talking to a XXXX XXXX agent on the phone, he told me that the account is under review. They did not know why it is being reviewed and by what department, or why my online access has been disabled ... They just advised me to be patient, and that somebody will contact me regarding this account within the next 24 to 48 hours. I received no calls. So, after two days, again contacted the XXXX XXXX  agents on the phone, and this time, the agent told me the review might take a month or two ... and that there are no notes on the account explaining why the account is being reviewed, or what department has disabled my online banking, etc. I was just told that they also do not have access to this account other than the profile section, and that such an account exists ... I then politely said good bye and hung up the phone. 
I then called a few days later, talked to another agent on the phone, and after being told the same things over and over again, requested the account to be closed, and that they send me a check for the amount of {$13000.00} that is frozen on the account. He told me that he does not have the ability to close the account, but will submit a request, and if approved, a check will be mailed to my address at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL, XXXX, USA. I have not yet heard back regarding this request, and I am out of {$13000.00} frozen in my XXXX XXXX account for no clear reason ... This is ridiculous, and hence, I am filing this 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 explanation
Consumer complaint received 2018-11-07 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: BB&T CORPORATION
State: GA

Complaint narrative:
I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: IL

Complaint narrative:
My XXXX XXXX  debit card had fraudulent charges on my account on XXXX one was a purchase of XXXX and a withdrawal of XXXX. I have advised the payroll card company of this fraudulent activity I also advised the federal trade commission and completed and identity theft affidavit. I have also alerted the FDIC and the Illinois States attorney general. XXXX XXXX advised that I would receive a provisional credit within 10 days. I requested to speak with the disputes department I was advised that that department does not speak with customers. I requested communication and updates XXXX XXXX has not provided that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
For over a year now I have been making my payments on time, but for reasons unknown to me those payments would get sent back from Kohls to my bank account. Kohls hasnt been sending me any notices in regards to this issue and I dont find out until I try to make the next payment. At that point they send out a notice that I have late fees After I already spoke with them on the phone. And this happens every time. On XX/XX/XXXX I called and found out my bill due was over {$140.00}, I asked why and they told me late fees. I asked them to remove the fees because this on going issue isnt my fault. They were supposed to wave {$36.00} only and then I made a payment of {$110.00}. Today is XX/XX/XXXX and I went onto Kohls website and tried to make a purchase and I did not work so I called. It was then that I found out that my account was canceled my Kohls. I asked why and they told me late fees and that I could open another account. I asked to speak with a supervisor and have 10 minutes of asking I was finally transferred just to be told the same thing and that nothing can be done. This isnt right because every month I make my payments and neither my bank or Kohls will take any responsibility in the cause of my payments not going through. Its always a back and forth between my bank and Kohls and neither of them can find out the issue is. I honestly dont know what to do at this point besides report it to the CFPB please help me find a solution because I dont want this to mess with my credit when i have done nothing wrong. They should have informed me that they were closing my account when they were taking my payment information. Also I did not receive any notification about my account until Monday XX/XX/XXXX and there were two at once in the mail from a month and two months ago, they always send letters to cover themselves. The reason I so much in the first place is because they refuse to remove the late fees, on an issue thats their fault. Something should be done to find out why payments arent being received and theyre not doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please REMOVE any and all fruad alerts on my credit report.

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 2018-11-07 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: MI

Complaint narrative:
My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX on my transunion report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for transunion to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from 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 2018-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion on XX/XX/2018 after receiving an email from XXXX XXXX about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contact XXXX   for a letter of deletion. After calling XXXX for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. 

It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel.

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 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have a loan amount for XXXX with a CSO fee of XXXX. I have contacted them numerous times to remove the ACH authorization and they are refusing to do so. I am aware that this can go on my credit report and they can pursue collection actions, but I want my ACH authorization removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove me from any and all fruad alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed two seperate request to remove an address from my credit report. To date, TransUnion has not removed the wrong address.

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 2018-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX and had a 1st and a 2nd on the home. After filing bankruptcy I continued to make payments on the 1st and discontinued making payments on the 2nd. I know would like to sell the home and myself and the escrow company are not able to get information to clear the 2nd mortgage. 
-The original mortgage was taken out in XX/XX/XXXX with XXXX  and that is what shows on the title per the attached title check. 
-XXXX still shows XXXX  -I filed a previous complaint ( XXXX ) and CFPB received responses from XXXX XXXX and Office of the Consumer Ombudsma saying they do not hold the note -The mortgage was filed in XX/XX/XXXX and we listed XXXX as the lender with account ( XXXX   sold to XXXX ) XXXX  number XXXX in bankruptcy. It appears assets from XXXX went to XXXX XXXX. Myself and the escrow officer have reached out to XXXX XXXX  on multiple occasions with no response. 

I have been very diligent to resolve this and am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove any and all fruad alerts from my name and report

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 2018-11-07 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

Complaint narrative:
On Saturday XX/XX/XXXX. I made a sellings and received the funds on my paypal account, when I was trying to withdraw the money, paypal limited my account since that day and they request some information, like my ID card, proof of the sellings and things like that. 

Today, XX/XX/18 they just decided to hold my funds for 180 days, whitout appelation and whitout reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I applied for Chapter XXXX in XX/XX/XXXX, completed my payments, and was reaffirmed and then discharged in XX/XX/XXXX with all arrears paid through the bankruptcy. ( attachment 1 ). I continued to make my mortgage payments through ACH debit to Bayview without issues until XX/XX/XXXX ; when they began rejecting my payments without explantion ( attachment 2 ).  My bankruptcy attorney attempted to assist me with resolving this however, Bayview refused to respond to his inquiries, recorded a Notice of Default,  and demanded the total amount due ( attachment 3 ). They have now recorded a Notice of Trustee Sale ( attachment D ) on my property and I am forced to consult a litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX  on my XXXX  report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for XXXX to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Researched balance transfer card offers. Read terms and conditions of AMEX Everyday Credit Card. Available terms online, regarding balance transfers specifically, are 12 months 0 % APR, {$0.00} balance transfer fee. Agreed to terms. Applied for card. Was approved for card. Called AMEX to transfer balance. Was notified that card has a balance transfer cap of {$7500.00}. No Terms & Conditions available online or presented during application process indicate a cap exists. Two ( 2 ) AMEX customer services representatives ( call center + supervisor ) admit that this term is not provided online. Also admitted term applies to all AMEX cards. This particular term is presented in the T & C that are mailed with the card. I would never have applied for the card if I was notified of this cap before applying. Now my credit score has taken a hit and I have to go find another card that does not have a balance transfer cap. I have canceled the AMEX. I have no use for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, I made out a check to my sons college for campus parking in the amount of {$120.00} which my son submitted to his college. On XX/XX/2018 my received an email from the schools XXXX XXXX XXXX to which the payment was made out to. They advised regarding a recent break in and a review of their records indicated that we were one of those affected due to having conducted a financial transaction ( check # XXXX ) which I had made out to XXXX. They advised my son to request a stop payment on the check I had issued to the school which was one of the checks that had been stolen. We did as advised on XX/XX/2018. On XX/XX/XXXX I noticed a debit to my account in the amount of {$3200.00} for that same check # XXXX which I had requested a stop payment on. The check was altered by the perpetrators and submitted to XXXX XXXX for payment to XXXX XXXX. Even the date on the check and memo field were changed. 

I contacted the bank immediately and submitted the required notarized affidavit of forgery, counterfeit or unauthorized remotely created check form required to file my claim. 

I have been in contact with the Citibank dispute team ( XXXX ) for the past 2 months and have been advised that they are working on my complaint. Here is one complaint number I was given which I hope is a real complaint filed upon my request # XXXX. 

What concerns me is that I placed a stop payment on the check in question and it still was cashed. Was this check not flagged for possible future forgery? 

I have a mortgage and other bills to pay not to mention that I now have to close out my checking account and open a new account. It concerns me that the available funds that I have left in my account and the next incoming direct deposit could be compromised as well.

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 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
On XX/XX/2018, I was notified of an auto payment to Navient being processed. This is an option that I selected to be enrolled for over a year. With this feature, I've had consistent payments for the life of the loan. The issue I am experiencing is an overcharge. They state that I manually set it to make a payment in addition to my monthly payment. The set auto pay amount is monthly repayments of {$50.00}. The overcharge was {$130.00}. I've called Navient and they have recommended I stop the transaction with my bank to remedy the situation since a refund may take 2.5- 3 weeks to process. I called my bank and they mentioned that I will have to pay a {$30.00} processing fee in order to stop a transaction. With this in mind, I am filing this complaint that Navient is making unauthorized transactions without my consent. They are overcharging me {$130.00} + Auto pay {$50.00} with a total of {$180.00} this month. I do not have any issues with the auto payment of {$50.00}. But it is not acceptable for them to state that I manually scheduled a payment of {$130.00} in addition with my auto-payment.

Company response to consumer: Closed with explanation