vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Purchased vehicle XXXX a XXXX XXXX XXXX at XXXX have paid on time ever missed a payment and still owe XXXX to this date. Called for payoff told it has all bee. Going to interest and not one cent to principle. I was told this was a 5 year loan and now have been told it will be extended to XXXX. After so many principle payments. Vehicle is upside down XXXX only worth XXXX can not trade with out XXXX and no bank will refinance. Please help me. I am a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : 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 2019-01-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : 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 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
I applied in XX/XX/XXXX with Key Bank. XX/XX/XXXX before XXXX I was emailed a note saying Denied. Credit is great..so is income, no credit problems. Denied because I put XXXX in key bank in XX/XX/XXXX to use for closing. Bank said denied due to assets ... even though I proved where the money came from ... weeks later still no deniel letter ... spent XXXX on XXXX on on inspection, and XXXX down payment ... which i lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/18 XXXX XXXX XXXX ran my credit report unauthorized I have an hard inquiry because of this I contacted all three credit bureaus to investigate with no response on several occasions.This has created a hardship to improve a better credit score and stress on my family I am a single mother of XXXX in desperate need to improve my score per FCRA guidelines per my attorney you have to remove this inquiry for I don't recognize this.

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 2019-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo mortgaged my home from XX/XX/XXXX-XX/XX/XXXX. Lowered my monthly payments without my permission. Refused to work with me when I had a buyer for the home. Ended up in foreclosure and lost home.

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 2019-01-01 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: U.S. BANCORP
State: PA

Complaint narrative:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not 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 2019-01-01 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: PA

Complaint narrative:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not 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 2019-01-01 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: PA

Complaint narrative:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: PA

Complaint narrative:
Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not 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 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
I opened my account # XXXX at HSBC on XX/XX/XXXX with the following promotion, " Receive {$350.00} bonus when you open a new HSBC Advance checking account online by XX/XX/XXXX and deposit {$10000.00} in new money within 30 days of account opening. Maintain this balance for 90 calendar days from the date you deposited the funds. Bonus will be deposited approximately 8 weeks after completing all qualifying activities. Consumers who held any HSBC consumer account from XX/XX/XXXX through XX/XX/XXXX are not eligible. '' I didn't have any checking account nor credit card during anytime ( even one day ) falling into that period, from XX/XX/XXXX to XX/XX/XXXX. 

I've closed my previous checking account with HSBC ( account # XXXX ) on XX/XX/XXXX. 

Since I've closed my account in XX/XX/XXXX and 12 months have passed after I closed my previous account, I was eligible for this promotional bonus. 

I have met all the terms of this promotion, but after not receiving any bonus, I have raised a case # XXXX with a chat representative named XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I have received a response from HSBC bank stating that, " the customer had a past relationship with HSBC in the last 1 year of campaign start date ''. 

This is incorrect. My past relationship with HSBC ended on XX/XX/XXXX when I closed my previous checking account. No other relationship existed with HSBC in the last 1 year before opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: OH

Complaint narrative:
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are  required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 &  617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS 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 explanation
Consumer complaint received 2019-01-01 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: OH

Complaint narrative:
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS 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 explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a Bank of America checking account. I informed them that I was outside the country and couldn't use the account for the meantime. I have two checking account at the time then finally I was able to set up direct deposit on one of the account. I asked if they could waive the monthly service fee so I could close the other account. They said no to me and kept charging me monthly service. 

Then second thing that happened to me was I filed a claim to dispute the charge from XXXX. I informed them that my email and XXXX was hacked all my cards were on their system I found out due to fraudulent transaction from XXXX. After that it continued to charge my card. I kept getting new replacement card but the charges continued. They told me that the charges were authorize by me but I never did authorize the charge. I will be taking them to civil court. 

This bank is very unethical and deceitful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I saw this post for the concert tickets and the guy offered me to sell them for XXXX dollars for a pair and we agreed, i paid him through paypal and when he received the payment he blocked me on XXXX account and didnt send me the tickets in my email. I have contacted the XXXX XXXX and no success, i have called the paypal company and still no success, this took place on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Closed credit card account last XX/XX/XXXX. After informing Chase in writing to close the account they contacted me via telephone and and confirmed that the account was closed and the balance was XXXX. In XX/XX/XXXXI received a notice that there was a balance. Apparently after my notification to close they account they posted two more transactions for a total of about {$80.00} to the suppedly closed account. They did not communicate this to me but have been applying late fees and interest without advising me. The amount is now about {$260.00}. The late payments are also reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am filing this complaint against Navient due to their failure in offering repayment options and advising my loans to be placed in forbearance. When my loans came out of deferment in XX/XX/XXXX, it was suggested by a representative of Navient that consolidation was my best option, even though some of my loans ' interest rates were extremely lower than my current interest rate. After consolidating in XX/XX/XXXX, a representative calculated my monthly payments. Based on those calculations, my payments were just over {$1600.00}, which I struggled to pay. After asking a Navient representative if I could get those payments reduced, I was advised that forbearance was the only option until I could determine how I could afford those over {$1600.00} payments. I was not given any other option for a reduced monthly payment. In fact, I sought financial help, and it was at that time I Iearned of the different repayment options available. When I eventually enrolled in a repayment program in XX/XX/XXXX, my payments were extremely low, about {$100.00} to {$150.00} a month. When I questioned the payments, I learned that they were calculated on tax returns from year XX/XX/XXXX, I was still in school, and my income was vastly different in XX/XX/XXXX than in XX/XX/XXXX. How could Navient overlook this error? Was it intentional? Upon recertification in XX/XX/XXXX, I learned that my payments had ballooned to over {$1000.00}. This was due to yet another failure of Navient to thoroughly inspect paperwork properly. There are multiple failures by Navient and their representatives that have led to capitalized interest of over {$50000.00} in 2 years. These failures on behalf of Navient are predatory lending practices, that have truly caused me severe XXXX. I have become sick, and even fell into a XXXX state, as this dark cloud of debt does not seem to be clearing at all. I have been forced to move in with family as I struggle to make these monthly payments. 

What can be done to correct the failures and predatory practices that I have experienced with Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have for 3 moths w TRANSUnion XXXX  and XXXX filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake names on there..

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 2019-01-01 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: KY

Complaint narrative:
I have for 3 moths w XXXX  XXXX  and Experian filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake  names on there..

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 2019-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
I need to file a claim prior to the end of the HARP program. Please have someone contact me as soon as possible so I can file a claim against HARP as they have double charged me in closing costs. Here is my email address - XXXX. 
My phone number is XXXX. Please let me know how to proceed. This is my fourth request! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
For the 3rd time RPM failed to provide a solid document INVOICE or agreement signed by me for the Alleged debt claimed that I owe. Pursuant to my rights under the Debt collection law, RPM is  trying to collect illegal debt that I do not owe. I have no contracts or deals signed by me to this scam agency called RPM stating that I owe them money. 
They have been contacted by me by Certified mail to provide a solid invoice with a contract stating that I owe them the alleged debt, yet, they keep on sending me the same copied spread sheet that is copied or stolen without invoice number or signatures, and a fake copied letter made by them stating illegal debt. I ask CFPB to please investigate the validity of this scam and force this RPM to delete such scam from the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen has constantly harassed and left door tags at our home when we have not been late. Our mortgage is current and our payments have been doubled. I ask about the fees and extra charges but never get a explanation. They have also not accounted for payments causing late payment fees which we should never have had.

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 2019-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank kept increased my credit card limit to temptated me overspent, now i couldn't afford to pay even the minimum due, and they keep charging late fee while they said they will pur me on a program that won't charge me late fee. I can't afford to pay them, so scary, they want to kill me. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is trying to charge me a second late fee and it is ridiculous and I refuse to pay it. 
The first time this happened it was a " technical '' error between my bank and theirs so they removed the fee. 
This time they set me up to make an auto payment on the phone on the last day of the month, full well knowing my payment is due on the XX/XX/XXXX and ten days late will give me a fee. 

My feeling is they do this on purpose, to make me pay fees. 
I will not do it. 
this is not something I did wrong, and I will not pay any late fees I am on XXXX and have very limited income. A late fee of XXXX or XXXX dollars is a lot What they are doing is fraudulent. 

They set me up for auto pay, with my bank account and the date. I called to set this up s. Why would they put it on a day where my payment would be late? NOT MY FAULT>

Company response to consumer: Closed with monetary relief