vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan. 

I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement? 

He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called. 

I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This complaint is about the application of monies to Transfer Balance The type of problem I am having is the application of excess interest to my account because the Transfer Balance amount subject to interest has remained the same over the past nine statement periods from XXXX XXXX to XXXX XXXX. 
What happened is over the past nine statement periods the Transfer Balance amount subject to interest has remained at an average of {$1200.00} despite consistent payments totalling {$750.00}. In XXXX XXXX and XXXX XXXX I submitted written disputes to Barclays regarding the respective {$1200.00} and {$1200.00} Transfer Balances subject to Interest. With regard to my XXXX XXXX written dispute, Barclays did provide a written response however ( 1 ) the dispute failed to address ( answer my questions ) my dispute and ( 2 ) Barclay 's response stated that I should call them, when dispute guidelines clearly state " You may call us, but if you do we are not required to investigate any potential errors ... '' This 'request ' that I call them was very offsetting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
My XXXX XXXX was awarded the credit card debt in our XXXX per the XXXX decree XXXX XXXX XXXX XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the XXXX, he has neglected to pay them, and it has dropped my XXXX XXXX significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I cant give dates because the loans were for my daughter and didnt know I owed any money until I was notified by phone. I had to give my income information due my daughter still lived at home and was under age XXXX. I told the lady in the financial aid office I only wanted my daughter to receive money that didnt need to be paid back. I signed for her to get Grant money but my signature was then used for XXXX XXXX loans which I had no idea was done until XXXX months after she graduated and was notified the money was owed. She graduated in XXXX I think. Sorry I dont have much information but XXXX I was never sent any information and second the school she attended is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Grant and Weber trying to collect a debt of XXXX. 
Was fully insured for the procedure this is a mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XXXX XXXX gave me a degree in XXXX XXXX in which what they taught was no longer being used in the workplace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: CT

Complaint narrative:
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a  secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: IL

Complaint narrative:
I received notice from my former employer XXXX XXXX XXXX that they had overpaid me and were sending me to collections. I did not understand how they determined there was an overpayment nor how they calculated it. I requested additional information but instead my file was escalated to a debt collection law firm. I received a demand letter from McCarthy, Burgess & Wolff on XX/XX/XXXX. The letter included an email address I could use to respond. I immediately emailed the address requesting validation of the debt and requesting that they cease and desist all future communication by phone. Over a month went by and I did not receive any response so I sent a follow up email on XX/XX/XXXX. On XX/XX/XXXX I received a response which included an XXXX sheet with my pay rate. This left me with more questions than answers as I compared it to my paychecks. At XXXX on XX/XX/XXXX I received a missed call and voicemail from XXXX XXXX at McCarthy , Burgess & Wolff . When I got home I had another missed call and voicemail on my home phone. I had requested in both emails not to be contacted by phone which is my right under the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: AZ

Complaint narrative:
After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( XXXX ), and recorded with XXXX, Experian, and XXXX ( CRA 's ), I sent a series of letters to XXXX from XXXX to XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, XXXX and Experian have not. I received a response from the XXXX Credit Bureau Dispute Resolution Unit dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both XXXX and Experian claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX County Justice Court -- period!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/17 a deposit in the amount of {$900.00} was made using my Mobil App. Right after I made the deposit I received an email from Capital One 360 letting me know that the Mobil deposit that I made was a fraudulent transaction and they will close my account. When I made the Mobil deposit my account had a negative balance of {$37.00}, the negative balance was cleared once the deposit was made, when I called the number displayed in the email they told me that once the amount cleared they have to wait until the check returns as a NFS and then they will proceed to close the account. I have called capital one almost every day to find a solution and answers to my questions, however every representative that I speak to tells me since this is a capital one 360 account their assistance is limited, they tells me that only a security department can assist me, but I ca n't speak directly with a representative I 'm transfer to a machine where I have to leave a voicemail with my information, which I do but I NEVER get a call back. When I ask fo the phone number so I can call directly the answer is that they can not provide me with their phone number.It has being three months and the funds still are in the account, the check has n't returned as NFS not only the funds are in the account but it is earning it 's monthly interest and on top of all my college funds were direct deposit in to the account and I ca n't have access to those funds either. I 'm very troubled with this situation, I 'm a student and a part time employee that trusted a financial institution to conduct my simple finances and without further explanation one day I 'm told that my account is restricted and I do n't have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Yes, I have on numerous times spoken with various specialists with XXXX   XXXX regarding my XXXX XXXX account with XXXX being the last one spoken with on XX/XX/XXXX. At that time I explain completely my financial hardship at that time, had no available income, job cut hours tremendously and with my other financial obligations of which I must live can not or do not have any extra monies for this account. I asked if it could be place on hold or postpone until I find a new job and was told no but that she will notate the account. Now just today and yesterday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they have placed my file with another harassing representative specialist by the name of XXXX XXXX, she stated on voicemail that she works at the company until XXXX XXXX EST and her telephone number was ( XXXX ) XXXX Ext. XXXX. This lady calls all times of day and sometimes I have had these calls come thru at night, whether it be her or someone else from this company. This affecting my health, I do not have any monies and continuing to call and harass me with these threatening phone calls will not help any monies come to me or the company at this time. I can not pay if I have no money. I want the calls to stop. They should not be allowed to continue to hound me. I know that I owe them and I will take care of this debt as soon as I am able, but I have no income of any kind to settle this debt at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Around XX/XX/XXXX I contacted village capital current lender who I have a loan with now try to do a VA loan cashout.I have my VA appraisal and termite completed by another mortgage company they told me that everything was going to be completed and closing within 3 weeks.I have corresponded through hundreds of emails also to XXXX XXXX everytime he stated that I was approved on XX/XX/XXXX I was told that that the VA appraisal had got transferred and approved so that I would lose in 3 days.I let them know that my wife father XXXX XXXX in XXXX and needed to go to father XXXX.My wife did not make XXXX because they said she needed to be here to sign documents but nothing was completed. 
It was discovered after I spoke with loan proccessor XXXX that all the things the loan officer was telling me were all lies.XXXX stated that she did not have my XXXX, paystubs, VA pension paperwork, and wife information.I like that me and my wife were being lead just the loan officer can get commisson. 
I am a XXXX XXXX veteran and it is not right how these people can lie to people so bad.If they told me the truth I would not be so frustrated.I can forward copies of all emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc.
State: GA

Complaint narrative:
A request for verification was sent to XXXX XXXX XXXX on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted XXXX XXXX XXXX via telephone at XXXX and spoke with XXXX at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the 34th day, I informed XXXX XXXX XXXX via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request. Attached are the Verification Request letter, Tracking info

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