vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: FL

Complaint narrative:
My Lease with a model X ended and I ordered a new Tesla X, the same model. I delivered the car the same day to the Tesla Service center where I picked up the new car. My car was inspected and every item that came with car was reviewed by the Tesla employee. The car was driven to a location 270 miles from where I delivered the car and was left negligently without electrical charge by the people managing the lease return. This information is available from a Tesla Car because the car is managed through the web and an application in your phone.

1-A few weeks later I receive an inspection report missing the charging cable, a damaged battery ( that was replaced new by Tesla a few months before ) and other items made up. Tesla now refuses to accept the responsibility and sends me to deal with the Leasing Bank. XXXX XXXX  can not attest if the cable was there or not. 
2- I was charged Lease for both cars even though the car was returned the same day that I picked up the new car. Tesla were the ones that determined the date of delivery of the old car and pick up the new car. They charged me for two weeks of two cars even though I only had one car.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH VYSTAR I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.

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 2020-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH XXXX  I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH XXXX  I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.

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 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my girlfriend {$600.00} in the month of XX/XX/XXXX for XX/XX/XXXX Rent through XXXX XXXX and then I was kicked out of the house without being able to live there so I paid {$600.00} and was not able to live there then I had to get a hotel to stay at. I am requesting my {$600.00} back and the bank has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2020, I purchased 6 Reloadit cards and put {$500.00} on each card for a total of {$3000.00}. I created a Reloadit " safe '' and used a compatible pre-paid card, XXXX, to load money from the Reloadit " safe '' on the card. 

I have been unable to load money onto the card and I keep receiving errors that say they are experiencing technical difficulties. I have contacted them every day since to rectify the situation and they have not responded. 

I would like a full refund of my {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account on my TransUnion credit report Please verify and delete all inaccurate accounts

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 2020-01-22 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: IL

Complaint narrative:
On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for  home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the XXXX XXXX XXXX. XXXX has now incorrectly reported me as " past due '' for this item. I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of XXXX. 

I called Experian on XX/XX/XXXX and asked them to reopen the dispute, which they did. However the agent on the phone said it would likely be closed again, and she suggested that I file a complaint with a government agency such as the FTC or CFPB because then Experian could really take action. So that is what I am doing.

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 2020-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
They have 2 entries on my Credit report for same debt, one from XXXX, and the other the collections agency NCB management they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either XXXX, or NCB not both. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have communicated with Discover Card via certified letters explaining my hardship and the financial condition I'm in due to unexpected XXXX XXXX and subsequent health problems. Due to health problems I am no longer able to work and provide the income that I had prior to my health problems. I have appealed to Discover Card Office of the  President on four different occasions explaining to them what terms would be feasible for me to sustain. Discover Card has not attempted in good faith to assist in resolving my dilemma. There has been no flexibility by Discover card a reasonable fixed lower interest rate, a reasonable monthly payment, and under a 60 month plan to pay off the balance. Discover card has merely offered the same standard plans of two options with exorbitant terms that in essence doesn't segway into the opportunity to pay off the debt in a reasonable time. The only response Discover Card has made is the standard option they offer to every customer as a one option fits all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
When you shop at Macy 's, they ask you to open a credit card with every purchase. When you get a Macy 's credit card, they send you a ton of marketing material - literally I or 2 pieces a week, sometimes more. We opened a Macy 's card to make a larger purchase, a ring. Soon enough, we saw that with each payment, our available credit was reduced in an equal manner. There is nothing in the terms of the card that it was only for the single purchase. In fact, the marketing of the card, Macy 's XXXX XXXX Account, insisted it could be used anywhere. 

So finally, disappointed, we paid off the balance and told them to close the account. Unfortunately, they reopened the account for some fee they forgot to add on a closing time. Months went by with us throwing out all the tons of Macy 's mail - whey even open it, right? We closed out account. Hundreds of dollars of fees and interest on fees was finally brought to our attention with a collections call. Furiously angry, we paid that bill and said close the account and do not reopen it! They agreed that we were even and owed them nothing more. Then another statement arrived with another fee. Now only {$20.00} we paid that too ; now suspecting Macy 's has a pretty good scheme going here - accounts that can never be closed. Guess how this ends? It doesn't - we just got another statement with a {$2.00} fee. Seriously? 

Please note that Macy 's is not a bank but works with Department Stores National Bank, part of Citibank. - should have known. Banks are not what they used to be and have wasted the public trust they once had. CFPB please make this stop us and what I am sure are many others.

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 2020-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: OH

Complaint narrative:
They have 2 entries on my Credit report for same debt, one from Rise, and the other the collections agency XXXX XXXX they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either Rise, or XXXX not both. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I have a medical debt from Illinois XXXX XXXX. ( XXXX ) XXXX. The explanation of benefits was sent by me on XXXX XXXX. They have the information on " hold ''. Meanwhile Northwest Collection Company ( XXXX ) XXXX. Has been threatening me that they do not have to accept the insurance and I owe them the full amount. Now over a month and a half later the account is now in collections. No one from Illinois XXXX can request Northwest to remove the collections. I feel as if they are doing this so I can get frustrated and just pay full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
On XXXX XX/XX/2020 I informed AAFES ( Army Air Force Exchange Services ) that I was a victim of Identity Theft and a Military Star Card was fraudulently opened in my name. However, they refused to take any action. On XX/XX/2020 I sent them an email AAFES requested and they promised the fraud department would send me a letter. As of XX/XX/XXXX I have not received the letter. In violation of the Fair Debt Collection Practices Act they sent me a bill. Since I never had an account they made misrepresentations about the debt, stating I owe them thousands of dollars. Even though I've contacted them several times they continue to harass me. They are fragrantly and deliberately violating my rights under the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank - I scheduled a deposit of XXXX from an external credit union to arrive at Ally bank on XXXX  The amount should have been XXXX. Due to my mistake in the withdrawal amount, the transfer failed. Ally notified me on XX/XX/. On XXXX, I immediately moved money from another Ally account into the checking account to cover the missing transferred money. I then called Ally to work through correcting this issue. 

The problem is Ally froze XXXX across 5 accounts making my available balance negative even though I had positive ledger balances in the accounts since I transferred funds immediately to cover the missed deposit. They froze my funds and refused to release the hold until XXXX. I begged, I requested escalation to management and every person refused 100 % to release the holds despite of the fact I had plenty of money in the accounts. I maintain approximately {$20000.00} average across 8 accounts with Ally and Ally shut my account off for 5 days despite having a positive ledger balance.

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 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/2020, a representative of Commenity Bank for XXXX XXXX contacted my business looking for employment verification. When I answered the phone, they started talking to me about my debt and arguing with me about it while I was at work. I have talked to several employees of Commenity Bank to resolve this issue and they were very rude and did not attempt to work with my on the issue. I have been making payments of {$25.00} a month for the last four months and now they are threatening to take me to court because they do not want to work with me. Since they do not want to work with me. I want them to write off the debt and I owe them nothing. This Bank needs be trained in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: IQOR US INC
State: RI

Complaint narrative:
I have no been able to repay my student loan and it keeps changing carriers. Further more the interest and penalties now are more than double the principal. 

I understand they are calling me however, Allied Interstate LLC has been calling someone else with a similar name that works for my company. I have no affiliation with this person 's phone number and live 800 miles away from this person. The only link that we have is that we work for the same company.

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have my vehicle financed thru Santander Consumer USA, they are telling me I am behind and that I have 5 missing payments! I sent payments in and I even went to my bank and showed the proof that I have paid with debit card using automated thru a fee with XXXX XXXX, Santander is saying that 5 payments were reversed and that my bank has reversed charges, my bank shows nothing being reversed! So Santander did an audit I faxed papers over showing from bank proof I payed! My bank is showing that Santander was paid and that I am not behind they are threatening repossession of my vehicle! I am just trying to figure out where my money is and that I am current on my loan, I work hard and I made my payments, talked to Santander and they want a letter from bank, bank has turned it over to their resulotion center, please help me keep my vehicle, the bank manager told me about you and said I should file complaint that you can help. This all started in XX/XX/2019, recieved letter from Santander that I was behind and threatened repo, on XX/XX/2019 I had a friend make a payment to keep me from repo and we payedXXXX, and thats my regular payment, I also noticed that my payments arent going to balance but going to interest and not principle of loan,, I agreed to make another regular payment on XX/XX/XXXX, sent another payment, then on XX/XX/XXXX I faxed paperwork from my bank and they still saying Im behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
For my account ending in XXXX, SunTrust looked into my recent claim and told me to identify the exact transactions that were fraudulent. I now have the exact amounts and dates so Ms. XXXX XXXX can file the claim on my behalf. I called and they told me they can not find the transactions listed and I have to have someone in the corporate office do it for me. 

The following transactions were NOT authorized, I am unsure who did them and they occurred when I was overseas : XX/XX/XXXX {$930.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX. 

XX/XX/XXXX {$1100.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$330.00} Electronic/ ACH Debit XXXX XX/XX/XXXX {$1000.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$1500.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$900.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$550.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$2200.00} Electronic/ ACH Debit XXXX XXXX XXXX XXXX  Web Pmts XX/XX/XXXX {$790.00} Electronic/ ACH Debit 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 2020-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Pursuant to Federal Rules ( 1002.14 ( a ) ( 1 ) - Equal Credit Opportunity Act - A borrower is entitled to a copy of the property evaluation or BPO in connection with a loss mitigation application. 

Rushmore believes that the Federal Rules does not apply to them. Their representative continue to defy the request and are now in violation of the above mentioned Federal Rule. Rushmore has engaged in Unfair Business Practices and should be sanction. There is no one above the law.

Company response to consumer: Closed with explanation