vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I purchased my vehicle in 2012 with a 5 year loan from Santander Consumer USA Inc., I lost my job and the truck was repossessed and I paid close to {$2900.00}. dollars to catch the loan up meaning all missed payments and fees. Now it's been over 7 years that I've been paying on a 5 year loan, they keep telling me its becuase I'm making up for 8 missed payments. When I look at the statements showing all of my payments and missed payments most of the dates are wrong!! I was told when I paid the {$2900.00}. to catch up my loan that all payments were caught up! If you look at my account there showing I still owe over {$5500.00} dollars still after paying on it for over 7 years now. When i ask for a pay off amount they tell me I owe {$6600.00} to payoff the loan. If I continue to do so this loan is going to be and turn into a 10 year loan! I'm sure I have paid more than my fair share of interest and principal on this loan! I don't know who to turn to for help?! I feel like this is unfair and predatory practices on there part! There ripping people off for thousands of dollars for auto loans. Especially after paying them to catch the loan up after repossession, I had asked them repeatedly if it was enough money to catch up all my missed payments and fees and they told me at the time it was. So A 5 year loan has now or is turning into a 10 year loan for a vehicle that I have paid for twice the amount of what it's worth!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have submitted several complaints against best buy CBNA, My last dispute was handled by XXXX XXXX who was highly upset regarding my dispute which they were in fact reporting inaccurately! He decided to report more inaccurate information to the credit bureau regarding my paid off closed account which made my score drop 40 points. That was fraudulent and he had no right reporting any new information on an account that was paid off and closed 5 years ago!

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 2019-10-25 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
My wife and I entered into a reverse mortgage on or about XX/XX/XXXX with AAG. The process began in XX/XX/XXXX. At that time the taxes on our homestead we're deferred since XX/XX/XXXX. Upon AAG 's request we submitted proof of the tax status along with a copy of the Texas Deferment law. AAG accepted the status and indicated they did not required payment of any deferred taxes. Insurance was required and has been maintained. 
In XX/XX/XXXXAAG, by phone and by US mail stated while this was once allowed, they no longer hold that position and wanted all deferred taxes paid. In XX/XX/XXXX AAG sent the amount {$82000.00} to the county of XXXX. XXXX for property and MUD taxes our our property. The amount was incorrect and done without permission. The county is refunding the money and has reinstated the deferred status. 
AAG is threatening foreclosure if the taxes are not paid IN FULL. 
HUD has stated foreclosure is not available to over XXXX or XXXX individuals a copy of the ruling has been submitted to AAG. They are insistent this will be the result and have given dates the process will begin ( after XX/XX/XXXX ). 
At XXXX years of age to be put in this position, without knowledge this could occur, and with their assurance we did not have to bring the taxes out of deferment at the time of signing the reverse mortgage contract, mimics predatory lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union has derogatory comments on my banking history that is preventing me in doing business with other banks. My account are in credit status only with Navy Federal with on-time payments and positive account balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BB&T CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX I opened a credit card account with BB & T Bank. 

I began using my card and making timely payments. On or about XX/XX/XXXX I attempted to use my card and the charge was declined. I called BB & T and was told that they did not know why my card was declined and to try again. I attempted to use the card the next day, again declined. 

I called BB & T and was told that I needed to speak to someone in a specific department ( they would not tell me the name of the department ) and that the person was out and would call me back. 

I never received a call back. I proceeded to call BB & T several times seeking information over the next few days, finally I was told by someone that " we are closing your account, you will receive a letter in the mail. '' On or about XX/XX/XXXX I received a letter in the mail from BB & T stating they were closing my account and reason given was " no longer maintaining relationship with this customer. '' I had a balance with BB & T when this happened, of approximately {$1000.00}. I had autopay setup and the balance was subject to a promo rate of 0 % APR. I called and asked BB & T If I needed to pay the balance in full or if I could just let the autopay run its course. I was told that while I could not make any new charges, I would still have access to my online account and could let the autopay run or make additional payments. 

On XX/XX/XXXX, I noticed that on my XXXX  credit file, the account has been listed as " charged off '' causing my credit score to tank. My last autopay on the account was on XX/XX/XXXX. I called BB & T to inquire what had happened, and was simply told " you should dispute it. ''

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-25 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Thecreditbureausarereportinginaccurate/outdated/incompletepersonalinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IL

Complaint narrative:
On XX/XX/XXXX, I was offered a Trial Modification from Selene Finance. I made a down payment of {$1500.00} on XX/XX/XXXX and made another down payment of {$700.00}. Totaled {$22000.00}. As of XX/XX/XXXX, my mortgage was transferred to XXXX XXXX XXXX. I was unaware of it. The person I spoke with at Selene Finance told me to keep all of my paperwork, I did through e-mail and they will transfer everything plus the money down payment to XXXX. Now all of sudden, XXXX claimed they did not transfer the money and they will not honor the Trial Modification. I do have the problem of XXXX not honoring the Trial Modification, but no one knows where is the money. That is a problem with me. Now I have to go to court, as of XX/XX/XXXX to explain my situation or the judge will put a judgement against my home. I am so done with these mortgage companies. They sure know how to deal with a vulnerable person knowing they are trying to keep Their home. Just want to know where is my down payment Selene suppose to transfer Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TCF NATIONAL BANK
State: MD

Complaint narrative:
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: OH

Complaint narrative:
XXXX XXXX has contacted my personal phone, and my employers phone 6 to 7 times a day each. it has been asked on numerous times not to call my employer because I can not receive personal phone calls at work. a gentleman on the phone that calls is using abusive language, arrogant and demanding information from both my employer and is discussing what the debt is

Company response to consumer: Untimely response
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I had two prior accounts with Huntington that were charged off. I paid them both off and was advised that upon paying those accounts off I could still open a new account. I waited the waiting period after payments has posted and attempted to open the account. I was denied but they could not tell me why and advised I call customer serivce.I sat on the phone with customer service for them to tell me the accounts were paid and to go back to the branch and speak with someone else. 
I have been to the branch twice and still not resolution and still no account after being told they could also just reopen my last account. I am requesting that an asterick free checking account along with the savings account be opened per what I was told by agency management as I have done everything as requsted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CO

Complaint narrative:
The banking fees went from {$17.00} per incident to {$37.00} plus {$28.00} per incident. These fees were all incurred in 2019, XXXX {$130.00}, XXXX {$170.00}, XXXX {$210.00} ( refund of one fee  of {$37.00} XXXX, XXXX {$220.00}, XXXX {$140.00}, XXXX {$140.00} in addition to the {$5.00} per month service fee ( along with the {$5.00} per month service fee charged on my daughter 's " free student checking '' account ) and the bank continues to charge fees when they closed my account. 

The fees are out of control, this is one of this banks ( most likely any banks ) largest source of revenue ( in the top 3 ) and is up to 20 % of their revenue. They are gouging consumers ( similar to ridiculous interest rates back in the XXXX XXXX - APR 's of up to 40 % ). Why isn't this being regulated? Consumers are strapped with housing prices and inflation far exceeding the wages earned. 

I will also be seeking guidance on a class action law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 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: MD

Complaint narrative:
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.

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 2019-10-25 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: MD

Complaint narrative:
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: MD

Complaint narrative:
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.

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 2019-10-25 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:
I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent account were blocked/removed. However, to my dismay the account have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The account that are fraudulent are : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and Discover card to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both Discover card and XXXX XXXX. Discover card and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the Discover card still appears on my credit reports. I want the discover card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
Discover card account:XXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I made a mobile deposit of {$3500.00} into my Chase bank account on XX/XX/19. I received a message informing me that a 7 business day hold would be placed on the item due to information indicating the item may not be paid. 

I know that this is a violation of Reg CC. In order to place an exception hold on an item, the bank must have specific reason to doubt collectability. They did not contact my bank to verify funds. If they had, they would have been informed that the funds were available. I have no negative history with Chase ( returned deposits, NSF 's, etc. ) The check was made payable only to me and I endorsed the check properly. 

There was no legitimate reason to doubt collectability on this item. The hold was placed on my deposit arbitrarily, which is a violation of Reg CC. 

I contacted Chase yesterday to request the hold be removed. The customer service representative that I spoke to told me the hold could not be removed until the item posted, so I would have to call back the next day. But she told me she would put a note on the account that the funds should be released based on " my file ''. I called back the next day and got a different CSR. This individual acknowledged the note on the account stating the funds could be released, however she refused to do so. She said she needed to see if the funds had cleared first. She put me on hold, came back and said they had not cleared. She then said she would contact my bank to verify collectability ( proving that this had not been done prior to the hold being placed ). The bank verified the funds. Finally, she agreed to release the hold. 

The funds are now available to me. However, the fact that this hold was placed on my deposit basically automatically with no due diligence on the financial institution 's part, I believe this is a systemic issue and that other customer 's are being taken advantage of without realizing the bank is violating regulation. I believe this institution needs to be investigated for habitual violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XX/XX/2017 For the amount of {$230.00} from XXXX  claiming I owe for rent a car service

Company response to consumer: Closed with explanation