vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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:
Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, 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 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
So I started off with XXXX on my loan in XXXX. Now I 'm up to XXXX on the same loan. I have been dealing with Navient who holds my loans. The loans have been put on forbearance and now been on income repayment plan but no matter what I do, my loan keeps going up XXXX dollars every year. This last time I asked why and they said it was the interest but if I look on the documents they gave me for all the income repayment plans and forbearance is explained the opposite. I also try to claim that when I graduated from XXXX, the loan was higher then what I applied for. XXXX XXXX/ Navient never looked into for me. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: GA

Complaint narrative:
Reference cfpb-XXXX, XXXX XXXX  states : Our records further reflect that the account has been reported current since service transferring to XXXX and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

XXXX refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. Experian does not arbitrarily report an account as delinquent.

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 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
PURCHASED A MONEYGRAM MONEY ORDER AT XXXX # XXXX IT WAS DAMAGED. I REQUESTED A REPLACEMENT. MONEYGRAM CHARGED ME XXXX DOLLARS TO REPLACE THE MONEY ORDER. I PROVIDED DRIVER LICENSE AND TYPED MY NAME CORRECTLY. I RECEIVED THE REPLACEMENT MONEY ORDER WITH ERRORS ON THE NAME. I WENT TO XXXX AND TO THE BANK TO CASH IT. XXXX  REFUSED AND THE BANK REFUSED TO CASH STATING THE NAME DOES NOT MATCH WITH THE DRIVER LICENSE. POLICE WERE SEEING ME AS A SUSPECT OF WANTING TO CASH A STOLEN CHECK. I AM THE PURCHASER OF THE MONEY ORDER AND THE ONLY PERSON THAT CAN CASH IT. SEEMS ANY TIME I TRY TO CONTACT THERE IS NO ONE TO SPEAK WITH. I HAVE USED THE ONLINE COMPLAIN GOT SUPPORT TRACKING # XXXX AND WITHIN MONEYGRAM THEY HAVE A FRAUD REPORT CENTER WITH A CASE # XXXX I NEED TO HAVE THE MONEY AS SOON AS POSSIBLE I HAVE REQUESTED TO HAVE IT AVAILABLE AT ANY BANK AND TO RELEASE THE FUNDS AS THE ERRORS ARE NOT MY FAULT. I SHOULD NOT BE CHARGED AGAIN XXXX TO GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sierra Credit Corp
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I tried to make my auto payment to SierraCredit.com ; however, the password reset and register option just would not let me do it. Unfortunately ; it was after hours ( I work until late ) and the office was not open to call. I called in on XXXX XXXX, 2017, and let them know the website still will not let me in and I need to make a payment. I called my mother whom was making this payment for me with her card and conferenced her in. First issue, was they just began talking to her without making sure I was who I said I was and second my mother asked if the late charge ( approx. {$16.00} ) could be waived as the website is down and she was told " nope ''. The unprofessional-ism in this company is astonishing. After the payment was made my mother had asked about being able to log on in the future since this late charge in no way should be charged to me and the rep did not offer to assist me getting logged in once. She stated she would put supervisor XXXX on the call. As we waited over 10 mins on silence another very unprofessional supervisor by the name of XXXX got on the line and continued to over talk my mother. She says to my mom XXXX is authorizing you in which I say I do ( again they dont check to see I am who I say ) At one point my mother said can you let me finish talking when XXXX responded " I was talking first ''. Where do they hire these people? My mother has been a manager for corporations for 20 years and if her staff spoke to anyone this way they 'd be out the door. My mother then asked XXXX to remove my only late charge in 17 payments. XXXX then told her that I have FIVE lates which is absolutely untrue and can prove it as my mother makes the payments for my every month on the XX/XX/XXXX ( my grace period is until the XX/XX/XXXX ). My mom ask where on the website does it say that, and XXXX responds its on the statement. Where? Im looking and it does not say that. XXXX stated if you make your payment on the weekend the grace period days arent counted because it will apply on Monday ( WHAT ) thats not legal at ALL. My mother then ask for one of those late charges to be waived and she again is told no. This will be going to an attorney as well. No one gave me my mini miranda which they should know is illegal.

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 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Roundpoint Mortgage Servicing I submitted my Loan modification application with all proper documentation on X/XX/2017. The company kept saying they did n't receive it or it wasnt complete. During that time they even removed my application and said I had to start over. I resubmitted 13 times and made hundreds of calls over the past few months. They finally said my application was complete on XX/XX/2017. I am awaiting their response now. I believe my application should have been fast tracked and I still have to wait.

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 2018-01-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was told by two representatives that the late fees would be fixed but then today I spoke to a manager and she told me the first late fee will not be fixed. I was charged a late fee for the month of XX/XX/XXXX. I paid the fee early in XX/XX/XXXX on XX/XX/XXXX. They took the payment as an additional payment and did not apply it to the next month because I paid the payment ahead. I was not aware of this when I made the payment. 
When I spoke to the manager they may have also been confused because I had also been told by representatives other reasons for the late fees. She did tell me they would only fix one. I will never pay Citibank early on my account now.

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 2018-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account. 

I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time. 

I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX.  3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus. 

The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter. 

The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action. 

I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike. 

I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.

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 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

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