vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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: AL

Complaint narrative:
I purchased a car from XXXX XXXX on XX/XX/XXXX. I chose a XXXX XXXX XXXX XXXX. We proceeded with the paperwork. My salesman got me an offer from a lender, Santander Consumer USA. I was to circle which option from the lender that I felt comfortable with, and sign the agreement ( which I did ). I chose {$1500.00} down, 60 months @ $ XXXX per month. I then proceeded to acquire auto insurance over the phone ( which I did ). After acquiring auto insurance ( and paying the 1st month premium ), The salesperson left the table. We proceeded to close the deal. The salesperson then told me and showed me an agreement that my monthly payment would be $ XXXX, down payment now changed to {$1900.00} and # of months changed from 60 to 72 months. I asked what happen to the $ XXXX per month and the other agreement options that i had first signed, he said he added a XXXX XXXX warranty of $ XXXX ( which I didnt ask for, and he added it without even discussing it with me ). I had him take it off, that brought it down to $ XXXX per month, still 72 months and {$1900.00} down. I then asked what happen to the $ XXXX, something else was taken off ; ( Im assuming that it was delivery fee, but the car was a trade-in, therefore it was not delivered so that fee was rake off ). I asked the salesperson what happen to the first agreement ( {$1500.00} down, 60 months @ $ XXXX per month ) The salesperson then left and came back and told me that the lender had changed its mind and now wanted {$1900.00} down ( previously {$1500.00} ), for 72 months ( previously 60 months ), at $ XXXX per month ( previously $ XXXX which is still about the same ). The changes came out to be an increase of over {$3400.00}. 
I reluctantly signed. Over the following weekend I got some advice that I might have been a victim of " iinterest markups '' scheme or " bait and switch '' scheme because I'm a female. I was told that I should submit a complaint to The Consumer Financial Protection Bureau but first try to rectify the issue with the dealership. I went to the dealership on Friday XX/XX/XXXX to try to resolve the matter but my resolution fell on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2019 Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Im writing this letter regarding My Fraud Report, which I filed on Monday XX/XX/2019 at XXXX XXXX. I received your email dated XX/XX/2019, declining my Dispute and I spoke with a representative via phone call and asked that my case be reopened. I do not believe that the investigation was fairly completed in less than 2 days, nor do I feel that the investigation was true or in the interest of the true situation. 

Enclosed please find documentation that sustains and corroborates the suspicious nature of the 4 transactions in question that have left me out of {$2500.00}. The activity on my Bluebird accounts show the attempts by whomever to send test amounts before emptying my account. I did not approve nor did I make those transactions. 

Those transactions have the date and time of when the person ( s ) used my bank account to fraudulently steal my money and the email addresses they used to send four ( 4 ) different amounts of money to four ( 4 ) different people that I didnt approved nor authorize and that were done at a time of early morning where I am still in bed, asleep. I sustain that I do not know any of the email addresses or person ( s ) who received this money. 

included proof that there was suspicious activity leading up to these transactions in the days prior, where my debit card was locked due to the PIN being changed. I had to contact Bluebird to unlock my card on Saturday, XX/XX/XXXX. I do not know if this incident was coincidence or if it was a precursor to these fraudulent transactions on my account. But I have to believe that I was being set up to being a victim. 

I hope that this situation can get clarified as soon as possible and my money get restituted. I deserve protection by your financial institution, appreciating my almost 5 years of business with you. 

Unfortunately, I will be obligated to pursue my legal options in this matter if the situation can not be resolved on your end in my favor, where my assets and my rights are being protected. I believe responsibility in this matter belongs to your financial institution to thoroughly investigate my transaction history for the entire time I have been a customer, where you will find that I have never sent money in these astronomical amounts to anyone and the account holders that belong to the email addresses where the transaction amounts were sent. They are not on my account as approved or added as Bluebird contacts that I frequently use. 

I look forward to resolving this matter between your institution and myself. But I am prepared to take legal action against Bluebird. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 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: NC

Complaint narrative:
To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, TransUnion, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.

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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern looking at my credit report I noticed some errors in the reports by Experian, XXXX, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX  or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/2019, I attempted to move the payment date to XX/XX/2019. During the first conversation with the company I was told that the payment had to be made two ( 2 ) days prior to the payment date which is XX/XX/2019. I then reviewed the attached contract. Per the contract XX/XX/XXXX 's due date is XX/XX/2019 and the contract or website does not state this requirement. I then made a second telephone call to the company 's customer service requesting that the payment date be moved to XX/XX/XXXX and per the contract it did fall within the " two ( 2 ) day ''.  The customer service representative could not make the changes nor had any further explanation. I was then transferred to a manager and requested this payment date moved again.The manager then stated that the request could not be made due to a " two ( 2 ) business day prior to the original payment date ''. Again, there is NO written statement in the contract that states what has been stated by customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: POPULAR BANK
State: OR

Complaint narrative:
I submitted a complaint that XXXX XXXXXXXX XXXX about their reporting will as not correct as to the date of my first late payment seven years ago. The problem is that they corrected that erroneous information by publishing even worse false information : THAT I HAD DECLARED BANKRUPTCY ON XX/XX/2019!!!! WHICH IS ABSOLUTELY FALSE!! Which is a lie! How can they get away with this. Any search of public records will show that this is not true. Obviously they are purposely reporting false information to my harm. Publicly fabricating lies about someone should be illegal and there should be some legal recourse available to me ... or the company can just keep publishing lies and then when I contest it they just publish a new lie!

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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX and in XX/XX/XXXX I contacted Sequium Asset Solutions for attempting to collect on a debt that was paid to XXXX XXXX prior to the reporting of this account on all three of my credit reports. I contacted XXXX XXXX to validate that this debt was paid in full and they stated there was no debt owed and they have attempted numerous times to recall the Debt from Sequium Asset Solutions with no response. I contacted them again and spoke to the manager of the customer service section who stated that he refused to acknowledge that the debt was no longer owed and refused to acknowledge, even with proof from XXXX XXXX, that there is no debt owed. I have sent in all correspondence to the debt they are trying to still collect on for XXXX that is not owed ad they have yet to remove this account from my XXXX credit report, falsely reporting a debt that is not owed. I have contacted them in XX/XX/XXXX as well and they still refuse to adhere to the FCRA and negatively reporting an account that is not owed and was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was notified by email that a hard inquiry was made between XXXX XXXXXX/XX/2019 by XXXX XXXX XXXX XXXX GA. 

After reviewing my report it showed me that XXXX XXXX did the inquiry.I did not authorize any inquiry from XXXX XXXX. 

I did call XXXX XXXX on XX/XX/2019 and ask for information regarding the inquiry and why it was done. I was told they would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, I had opened a Bank of America Free Student Checking account back in XXXX. It was supposed to be a free checking account for life as i was told at the time of opening the account but to my amazement I received a statement couple of weeks back stating that they are force closing my account. After talking with their account representatives back and forth multiple times I was told that the bank had sent a letter to my residence stating that the account will be charged a fee starting XXXX. I never received any letter from the bank nor did i receive any email. My account has been dormant for quite a while. I trusted my bank to keep my money safe but now i come to know that they were charging me a fee every month since XX/XX/XXXX and when there were no funds in the account they just closed my account.

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 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have applied several times for a Chase Bank United Airline Credit card and have been denied. Chase claims the denial is based on my having received too many credit cards in the past two years. However, Chase has issued two credit cards to my husband during the same period. I have had three credit cards issued in the past two years and my husband has had four credit cards issued during this same period of time, so the issue of too many credit cards being issued in the past two years does not appear to be a reason evenly applied to all applicants. My Credit Score if around 760, with no other disqualifying information. This appears to be a case of gender discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX is an arm of the XXXX XXXX. I took out a {$700.00} loan ( # XXXX ) from XXXX  XXXX XXXX  in the summer of 2018 for medical bills, because my credit score doesn't qualify me for a traditional loan. I was unaware of the triple digit interest rate which is in violation of Minnesota law and that the loan is not licensed in the State of Minnesota. Furthermore, XXXX XXXX  XXXX said their loans are not germane to Minnesota. They issued a loan from a sovereign entity illegally to a resident of a sovereign  state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I'm contacting you in regards to my mortgage company. My mortgage company put forced home insurance on my account which I never approved or authorized or signed for. They are trying to bill me for about 3 months for having a lapse in coverage and they tell me that it will only cover if my four walls fall down, which I've never heard of a insurance company not covering more. The amount that they are charging is almost how much I pay for home insurance in one year. They sent me a bill on XX/XX/2019 for {$1000.00}. I contacted them and told them that that was way more then it should be. They said that they couldn't credit or waive any amount and wouldn't work with me or speak with me anymore about working with my account. I then sent in my XX/XX/2019 payment for {$1000.00} and they never applied my payment to my account. I contacted them and asked them why and they said that I hadn't paid the amount that they had billed extra for the home insurance and since they didn't get the whole amount that they wouldn't be able to apply the {$1000.00} to my XX/XX/2019 payment. Now it's XX/XX/2019 and I contacted them again and they said since they hadn't received the whole amount that they are charging for the XX/XX/2019 bill that they are going to report it to the credit bureau as late. They are basically holding my payment as ransom and refuse to apply my payment to my XX/XX/2019 bill. Not only that, but when I send in my XX/XX/2019 payment for this month of {$1000.00}, they will apply whatever they want to the XX/XX/2019 bill and they deduct that amount from the XX/XX/2019 payment, then my whole XX/XX/2019 payment will not be applied and then they will wind up marking that as late also and holding that payment ransom also, even though the bill will be on time. Then I will keep being late on my account, having it reported to my credit, and them taking whatever they want out of my money to supposedly apply it to the home insurance, but I really believe that they are scamming me out of my money and want to have them investigated and reported and for this to be taken off.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/2017 BANK OF AMERICA - I was a victim of a check fraud scam ( from a guy I went to High School with, told me he registered for college in Florida and then moved to XXXX, XXXX and that they college would not send the check there, he needed someone to accept the check and pay his XXXX account ). ( I wasn't working many hours, and needed the extra {$100.00} he was going to let me keep out of the check amount, thus I fell for this scam ) and they will not remove the red flag they have put onto my name. I wrote them, with full description of what happened, the persons name of whom scammed me ..and they sent the rejection letter to my old address and were rude about getting me a copy of the letter after not looking into it. They received my letter and within 1 day refused and rejected my request without explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On my Equifax file # XXXX, it shows the following inaccuracies : That I've resided at XXXX XXXX XXXX XXXX, XXXX XXXX, IN. XXXX, also at XXXX XXXX XXXX, XXXX, IN. XXXX and out of state at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My employers should should as XXXX XXXX, XXXX, XXXX XXXX, XXXX 's XXXX & XXXX. My current phone number is not XXXX or XXXX. My phone numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and all my security questions to identify myself belong to someone else. All 10 hard inquiries should be removed for I haven't applied for credit in extensive years now. I do not have collections w/XXXX or with a XXXX XXXX XXXX. Many accounts on my credit file were committed through identity fraud and I want them removed off my record. Companies such as XXXX XXXX XXXX XXXX, high balance {$2900.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX opened in XX/XX/2016, XXXX XXXX XXXX, opened in XX/XX/2016, XXXX XXXX XXXX  - XXXX Credit Card, opened in XX/XX/16, XXXX XXXX opened in XX/XX/2016, all four XXXX XXXX Accounts, XXXX XXXX and XXXX, as well as XXXX XXXX XXXX, opened in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Spoke with Wells Fargo loss mitigation dept. I was informed by the relationship manager XXXX XXXX that since my wife XXXX XXXX wasn't on the deed of the property and we were using her income I could not be considered for a mortgage modification. XXXX also stated I was welcome to review the FHA guidelines on line.I was also told a request was submitted to postpone the property foreclosure sale by Wells Fargo Loss Mitigation Dept. Per XXXX with Wells Fargo the sale date was not postponed. I have sent my wife proof of income and I don't understand why they refuse to assist me with the mortgage I've been trying to get mortgage assistance from my servicer for over a year now, I have a FHA loan, I read a spouse income can be used for income to modify a mortgage. Wells Fargo hasn't changed the way they do business the staff is uncaring and not interested in assisting the customers. I do want to pay my mortgage

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 2019-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GMA Investments, LLC
State: MO

Complaint narrative:
XXXX a XXXX XXXX from Summit Receivables contacted me at work, When I called back to tell them I'm not allowed to receive phone calls at work, he become rude and hung up on me, when I tried to call back and talk to him his associate told me I should get on my knees and pray right after she told me she should perfom XXXX  XXXX on me and other rude comments. I have informed them not to call me at work only on cell phone and to send me a letter stating the debt which they refused.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Despite multiple requests and, in our position in a breach of contract, Wells Fargo has frozen the credit line since XX/XX/2019 while holding a lien on the underlying property. 
In an XX/XX/2019 registered letter, Wells Fargo was summoned by us to either reopen the line of credit or to close it and release the underlying property as there was no balance due. 
In their response dated XX/XX/19, Wells Fargo confirmed their refusal to reopen the line of credit, but did not release the lien nor issued the satisfaction of mortage instrument in violation of Florida Statutes 701.04 that requires a lender to issue such instrument within 14 days and then to have it recorded in the official records of the county.

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 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is the second complaint with the same issue with Chase Bank. I think a month and a half is more than enough time for XXXX XXXX from their executive office to research this. As of today, they have taken my XXXX XXXX check from XXXX XXXX XXXX XXXX  because of their bank error. I am about to hire an attorney.

Company response to consumer: Closed with monetary relief