vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
On XXXX/XXXX/XXXX I paid Santander, via XXXX certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my XXXX account and posted to my 'closed ' Santander account. On XXXX/XXXX/XXXX, XXXX credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, XXXX reversed the credit to my checking account. When I inquired, I was told by a XXXX customer service representative that a representative from Santander confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with XXXX and Santander to correct this situation to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 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:
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I applied for a Target Credit Card in XXXX of XXXX. I charged the account that day since the cashier did my application and gave me a temporary bar code. The amount was about {$3.00} and some change. They stated I would receive my card in the mail but I did not receive it and I was so confused about everything that I thought I had paid cash back in XXXX, so I thought I decided not to put a balance on it until I received my card. Months went by and I decided to call to see where my card was, because you normally do n't get any bills when you do n't have a balance on a credit card. Then they sent me to the collections department of Target and said I owed about {$7.00} and some change. I told them I did not receive my card or any bills at my address. They later said that I gave them an incorrect address and everything was being forwarded back to them. They also said I gave them the wrong address, when I remember giving the cashier at Target my driver 's license that has my address. I paid the amount I owed, and they took off any charges on their end and said for me to call within 24 hours, so I did. Then later I told them that this is affecting my credit, and it should not affect it because it was their error. They stated they would send me some sort of form to submit to the credit bureau, I did n't receive that either. So now I ask for them to fix this because I did not receive anything from them and I should n't be punished by having a horrible credit score, just because a retail store can not get an address correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX on a limited fixed income. I applied for a best buy XXXX credit card about a XXXX ago so that I could XXXX XXXX XXXX. Ever since then I have paid between $ XXXX {$150.00} every month to keep up on payments. I have an auto pay set up now for {$150.00}. So with this in mind I assumed, ( HUGE MISTAKE ), I would be not only paid up to date but ahead! This far from the what is occurring. Even though I am making the {$150.00} I am also being hit with 25.99 % interest PLUS ... a 4 % interest fee for something I have no clue why!!! I am, as of this writing ( XX/XX/XXXX ),  almost {$1800.00} behind. I asked how I could catch up and was told that at my present payment it would take " about '' year. Guess they could n't calculate how long it would take. So I asked again what I could do to catch up so that I am not paying over {$35.00} in interest fees plus another 4 % per month. I was not given an answer. I fully understand that I made a purchase in XX/XX/XXXX, however, the interest fees were higher than the items I purchased. That is in spite of the fact I made a {$150.00} payment. I want it to be clear that I have never missed a payment on ANY of my bills. I always submit higher payments than the monthly minimum, currently, the minimum is {$58.00}. S this is how I see what going on .... {$1800.00} balance. {$150.00} payment minus at least {$34.00} in interest plus {$58.00} for monthly minimum payment. This comes out with {$58.00} left over to go towards future payments Am I nuts? This does Not seem appropriate considering I have NEVER missed a single payment. I was told that I had bought something, they did n't tell me what or how much it cost, at a certain interest rate and had XXXX months to pay that item off. Again, maybe I 'm XXXX or XXXX, but it seems to me with the payment amounts I make every month I should be well caught up. HELP PLEASE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX - aka XXXX XXXX XXXX closed my account stating delinquency. I have paid off the account numerous times, however they never send a bill or they are very sporadic in sending out email notification. They have also revoked all the points i built up stating their decision was based on account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XXXX XXXX, XXXX, a lady called my elderly mother and told me I was going to be served court papers within XXXX hours and to make sure I was home. This was a case of fraud against me. She gave her a number I could find out more information and I called this number. She told my mother that I had given them my mothers name, addres, and phone number. My mother was in a panic. When I called the guy told me he could dissolve this out of court if I paid monthly for XXXX months and put XXXX down today. However, they said the debt was for XXXX on a credit card from HSBC. XXXX problems with this : I have never given my mothers name phone number or address to anyone except my employer as the emergency contact. I have never had a bank account from HSBC nor a credit card from this bank and I have lived overseas in XXXX for the past XXXX years with XXXX accounts in United States for the past XXXX years. I havent even visited United States in the past XXXX years. While I am a US citizen I have lived exclusively in XXXX and XXXX for my job for the past XXXX years. I diligently check my credit report from the writer states often to make sure that theres nothing on it and at no time in the past XXXX years have I ever seen anything from HSBC bank or from any other bank to suggest that identity has been stolen or that any type a valid account has ever been defaulted on. The phone number they told me to call was XXXX. When I figured out it was a scam I threatened to report them to the authorities and he used very XXXX language and called my mother a very XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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:
XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXXXXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX C XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : need to be removed/ old info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been working with the XXXX XXXX regarding options to save my home for the last few months. I have provided all the information they requested and am being told there is nothing that can be offered to me. I have never been assigned a point of contact and when calling I am always getting different answers from the representatives there. I am facing a foreclosure sale date and they are treating me as though I have no options and are proceeding with the foreclosure. I feel my rights have been violated and that I am one of the the many other homeowners who are facing this exact predicament. The people who can help me save my home are in fact not trying to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC
State: AZ

Complaint narrative:
I received a call today, XXXX XXXX, 2017 at approximately XXXX MST from a woman saying she was calling from " XXXX XXXX She claimed to be collecting on a debt from my old child care provider, XXXX XXXX located in XXXX, AZ. I was in complete shock because this was my first time hearing about this, I have never received any noticed that I owed my child care  anything. She gave me an amount to pay of {$600.00}. I told her that I was disputing this claim, and not to contact me until I send it in writing. She told me that she was going to continue to contact me even if I was disputing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MN

Complaint narrative:
I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit report is saying I owe XXXX XXXX XXXX, and I 've never taken credit from them. For that matter, I 've only had XXXX credit card in my entire life about XXXX years ago, and that was fully paid off. 
Now, I 'm a widow with XXXX children and have been receiving XXXX benefits from the governemt, so I have paid for everything with cash, however, I 'm trying to build and establish credit, in hopes to buy a home for us one day, but I found this on my report, and do n't know who else to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Data Corporation
State: IL

Complaint narrative:
XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not  approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
A criminal background check was initiated using my personal information. I received a copy of the report via US mail several days later. The report contained a criminal history report with dates beyond the XXXX  requirement for reporting of XXXX years. The only exception to this XXXX year law is if the employment salary exceeds XXXX in which this position applied for reaches XXXX. This information was unlawfully reported and needs to be removed expeditiously. 

I filed a dispute via the company ( dispute # XXXX XXXX as well as the BBB ( case # XXXX ) and received a response from the company confirming they will not follow XXXX XXXX regulations. They stated they will only follow XXXX regulations, not XXXX. I have spoken with several attorneys regarding the issue and all have assured me that consumer reporting agencies not only have to follow XXXX regulations, but XXXX specific as well. I attached a copy of their response. They are in direct violation of XXXX XXXX and no one is offering assistance with removing the information from the consumer report to reflect properly. 

BUSINESS AND COMMERCE CODE TITLE 2. COMPETITION AND TRADE PRACTICES CHAPTER 20. REGULATION OF CONSUMER CREDIT REPORTING AGENCIES SUBCHAPTER A. GENERAL REQUIREMENTS Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than XXXX years ; or ( 5 ) another item or event that predates the consumer report by more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX, XXXX XXXX to my surprise I received a letter that stated that I had been served with a Continuing Writ of Garnishment and that they would be required to withhold a certain amount starting on XXXX XXXX, XXXX. In the court document, it states that an amount of XXXX remains unpaid to XXXX XXXX XXXX. I have no idea of what this is all about. 

I reached out to a paralegal and they told me to file for a hearing in front of a judge. I was also told to contact you and file a complaint. Then the paralegal told me to file for a hearing in front of a judge to stop the garnishment. 

I am the the head of household with a son and can not afford to have my check garnished for any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I have communicated XXXX with a XXXX XXXX XXXX at NCB Management Services on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
In a letter dated XX/XX/XXXX, FedLoan Servicing gave me information regarding qualifying payments toward XXXX. The letter stated that I had made XXXX qualifying payments, but I believe I made XXXX qualifying payments. I need to know why certain payments did not qualify and want all of them to be considered qualified. 

FedLoan Servicing stated that during my employment at the Department of XXXX XXXX, from XX/XX/XXXX toXX/XX/XXXX, I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ). 

For my employment at the XXXX XXXX XXXX and United States XXXX Courts ( these are actually the same employer ), from XX/XX/XXXX to XX/XX/XXXX, FedLoan Servicing said I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ). 

I emailed FedLoan Servicing on XX/XX/XXXX, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NJ

Complaint narrative:
Transunion was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. XXXX mortgage with datesXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. XXXX. Universal credit with dates of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. XXXX XXXX was n't given permission to run my credit on XX/XX/XXXX. XXXX XXXX for on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX. 

These inquiries appear on all three bureaus : Transunion, XX/XX/XXXX, and XXXX. 

Please have these unauthorized inquiries removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I walked into Chase bank to make a money transfer to another Chase account, I handed the teller an account number to do the transfer from my account to what I thought at the time was my XXXX account. Teller did the transfer did not confirm the name, just provided me with a receipt I went home had my XXXX  check his account and the funds were not in his account, i found it strange, but told him to wait maybe it was a hold of some kind since the amount transferred was for {$6000.00}. The following day the funds were till no in his account and I walked into the branch, that is when I realized the funds had been transferred to another account that was not my XXXX. I talked to the branch XXXX, I 've called relentless to the XXXX number provided and all they can tell me is there is nothing i can do to get my funds back. Its been over XXXX years and I still have not been able to be directed to the correct person.

Company response to consumer: Closed with explanation