vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have had Discover Card since XXXX and have an outrageous rate of 18.99 % on purchases from XX/XX/XXXX and prior. When I called to ask why it is so high I was told ( on XX/XX/XXXX ) that I had a late fee on XX/XX/XXXX which increased the rate to 23.99 %. At some point they did reduce the rate to 18.99 % but will not reduce it further because I " signed that I knew the policy. '' Can Discover Card continue to penalize me after 10 years? They don't care why I was late or that I have paid on time regularly for years. Is there anything I can do? I'm trying to retire and can only do it if I can pay my bills down. 

Thanks for any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway. 
I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Reporting service debited my monthly membership ( {$21.00} ) 14 times in one day on XX/XX/2018for {$300.00}.

I called to complain ( where i was in hold For almost 1.5 hours ) and was subsequently promised refund in 2-5 business days. Following week no refund. Then i was finally refunded but for only 12 of those debits. I XXXX my issue on social media ( XXXX ) where i receieved a generic response. Direct messages on twitter followed where i was directed to email their billing address. Then a week later another debit from my account. So that is 15 times in one month.

I have emailed twice now requesting a refund and to cancel membership but no reply. Today there have been a further two debits from my debit card from experian!

I have tried calling today and there was an esimated. 3-5 minuts wait time. I have been waiting on hold form1 hour 21 mins so far!

They have now debited almost {$400.00} from my bank in 1 month. I can not cancel, can not reach anyone to help and i want my money back!!! This is surely a crime?

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 2018-03-03 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I recently opened HSBC XXXX XXXX XXXX XXXX Credit Card. One of the main reasons was because of the free airport lounge access feature provided by XXXX. After accessing several airport lounges with the credit card, I was surprised to find the charges on my credit card statement. XXXX XX/XX/18 {$54.00} and XX/XX/18 {$27.00}. When I called HSBC to dispute these charges, I was told that I had to go online and register with XXXX before I can access the airport lounges. I did not see that requirement in the guide to benefits and terms & conditions ( will attach below ). I also called HSBC before my travels to confirm how to access the airport lounges and was told by customer service I only had to present my HSBC XXXX XXXX XXXX XXXX. Below is the email I sent to HSBC : Dear Customer Relations, I am very disappointed with the XXXX XXXX XXXX. One of the main reasons I switched to this card was for the airport lounge access. This is what is stated in the guide to benefits : " Before traveling, clients can log on to the XXXX Airport Experiences provided by XXXX website or access the smartphone app and view a list of participating lounges. '' This is exactly what I did and went to the participating lounges on the XXXX website. 

The guide to benefits also says " HSBC XXXX XXXX Elite XXXX credit card clients present their card or XXXX access QR code found in the XXXX XXXX XXXX provided by XXXX Smartphone app to gain admission for themselves. '' " To gain access to the lounges, a client only needs to quote " XXXX '' or XXXX XXXX XXXX at the participating lounge. Then the client simply presents their HSBC XXXX XXXX XXXX XXXX to the lounge operator or present their XXXX Access QR code. '' I presented the HSBC XXXX XXXX XXXX XXXX. I do not see anywhere in the guide to benefits, that says I must register with XXXX or must download the app. I also called HSBC customer service before my travels and confirmed to gain access to lounges I need to simply present my HSBC XXXX XXXX XXXX XXXX. 

I believe this is fraud and misrepresentation and HSBC should refund the lounge charges. I will be filing a complaint with the Consumer Financial Protection Bureau and pursuing a class action lawsuit. I don't think I am the only premier card holder affected by this. I will take my banking business elsewhere. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement

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 2018-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
After contacing Stearns Lending Consumer Solutions Department through stearns.myloancare.com and by phone at XXXX 7 times to get them to pay my XXXX property, MUD, and school taxes they have failed to do so and my taxes are now 2 months late. I have called them 7 times since XX/XX/XXXX, it is now XX/XX/XXXX and each time they have told me my taxes would be paid. Each time I have asked for documentation to show that the taxes will be paid and each time they have been unable to do so. I have been told I would be called back twice, both times they did not call me back. I have made every effort possible to make sure my taxes would be paid and they have failed to do so. A professional mortgage servicer should at very least be able to provide documentation that they will pay my taxes on time. The whole point of setting up escrow is to make sure they handle paying my taxes which it has clearly failed to do, they can not even provide a date that I can expect the payment, I simply have to wait until they go late another month before I will know. This is an extremely unprofessional process which has provided no documentation or records, and has cause late payments and undue stress.

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 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.

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 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
My father died as a non-resident alien with an account in the United States. 

I am the executor of his estate and non-resident probate has been granted in XXXX XXXX, New Jersey. I am a US citizen and resident. 

There is only one asset to be probated.This money is in an orphaned account at XXXX, XXXX the financial clearinghouse of BNY/Mellon. The money is in cash. It was in a cash account at a brokerage firm that went defunct many years ago which is how it ended up in XXXX. This account is NOT associated with any US business. 

XXXX had several requirements to release the money NONE of which they would put in writing, all verbal. Once I sent the latest requirement, they came back with two more. One of those I am willing to comply with as it is reasonable. 

I believe they have no valid reason for the second requirement. 

This second requirement is that I receive a transfer certificate from the IRS. Please note that the purpose of a transfer certificate is if the money is leaving the country. I am asking for the money to be transferred from my father 's account in New Jersey to his Estate account in Pennsylvania. The IRS will be able to track the money through the EIN of the Estate. 

Here are the reasons why I think a transfer certificate is not required : 1. On the IRS website, under " Transfer Certificate Filing Requirements for Non-US Citizens, it states " ... A transfer certificate is NOT required for property administered by an executor or administrator appointed, qualified, and acting within the United States. '' 2. XXXX also states that this is required because the assets in the account are over {$60000.00} ( It is about {$120000.00} ). On the IRS website under the same heading it says " If the value of the decedent 's taxable assets in the United States exceeded XXXX '' It refers you to Form XXXX to determine what are " taxable assets in the United States . '' XXXX is taking the position that the physical location of the assets determines that is a taxable asset. That is, that if in the US, it is a US taxable asset. 
Reading the instructions that is not correct. It breaks down US " taxability '' of assets based on the type asset, not merely physical location in the US. For tax reasons US situated assets include American real  estate, personal property, and securites. 
Exceptions to XXXX " taxability '' include securities that generate portfolio interest and bank accounts not used in connection with a trade or business in the US and insurance proceeds.

3. At this time the only money in the Estate account is the {$5.00} required to open it. There is no money in the Estate until XXXX transfers it. 

I have complied with all of XXXX requirements but I am not willing to comply with this one without a valid reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03 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: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

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 2018-03-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

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 2018-03-03 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a retired Military Service Member and XXXX Veteran on a fixed income. 6 months ago, I made the decision to become fully retired, including filing for SSA benefits. I contacted all my creditors to close and work out paying off my debts. All of my banking and credit card creditors have made a commitment with me to help me by controlling my payouts and reducing APR 's to fixed and manageable payments on my debts. This has worked great with all my creditors except CapitalOne Visa and CapitalOne Mastercard. I've been trying to work things out with them now for 6 months with no success. Not only has the APR rates have gone up, but also minimum payments have even doubled within these last 6 months. My last conversation today ( XX/XX/2018 ), again ended with a resounding " Can't help you and that is what you agreed to when you opened these two accounts 5 yrs ago. '' I talked to several layers of supposedly Account Management, with the same talking points and denial comments. Your assistance is needed in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.

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 2018-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, BBVA Compass posted a special offer on their website that they would give new checking customers a {$200.00} bonus if they opened a checking account ( either online, by phone or in person ) by XX/XX/XXXX and made a direct deposit of {$300.00} within 60 days of opening the account. I opened a new checking account with them on XX/XX/XXXX and made a {$300.00} direct deposit from my paycheck on XX/XX/XXXX, therefore meeting with requirements to receive the bonus. The special offer stated that the {$200.00} bonus would be credited to the account within 60 days after all requirements were met. After the 60 days passed, I had not received the bonus, so I sent an online message to BBVA on XX/XX/XXXX to ask if they could confirm that I met the offer requirements and find out why I had not received the bonus yet. 10 days later they responded to confirm that I did open the account during the offer time period and did make a correct direct deposit in the account within the offer time period ; they also added : " At this time we have submitted an escalation to further review your account regarding the promotional credit. Please allow 24 to 72 business hours for processing. '' After the processing time passed, I had still not received the bonus, so I sent another message on XX/XX/XXXX to check on the status of the review process. There had been no response to my message by XX/XX/XXXX, so I called their customer service phone number and explained my problem to the representative ; she said it appeared I had met the requirements for the bonus and would create a ticket for the bonus to be credited to my account. I asked how long that process would take, but she said she couldn't give me a time estimate but it should be " in a few days. '' On XX/XX/XXXX, someone finally responded to my last online message asking for an update and said that I would need to visit a local branch for more assistance to receive the bonus. I then sent this final response : " This was an online promotion and visiting a physical branch was not a condition to receive the promotion bonus. There is not a branch in my area of the state. I've already been told I met the requirements to receive the bonus, yet it's been over a month since I should have received it. I'll be filing a complaint with the CFPB. Thanks for your assistance. ''

Company response to consumer: Closed with monetary relief