vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.

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 2020-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I got a vehicle in XXXX of XXXX. The vehicle had a lot of problems from XXXX XXXX in XXXX XXXX TN and they refused to fix the issues. So we had to do a voluntary repo in XXXX of XXXX. Now I'm getting calls from Credit Acceptance wanting payment. They are threatening legal action and wanting me to pay an unfair payment for it to be paid off.

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America closed my credit card account claiming, " past delinquency on one or more of your accounts with us and/or our affiliates ''. I was, in fact, delinquent on this account in XXXX and XX/XX/2020. I made small purchases in XXXX and, as with all of my other credit card accounts, I expected to receive my statement in the mail. I did not. I did not receive a paper statement and I did not receive an electronic statement. I did not receive any communication from them at all to let me know that my account was delinquent until after my account was delinquent over 30 days. Once the account was delinquent over 30 days, I received communications from them letting me know I was delinquent with my payment. Then, they closed my account and sent me an email letting me know that they closed it and that I would receive a letter in the mail. I called their " 800 '' number and spoke to someone who was incompetent and not able to assist me. A few days later, a letter from Bank of America somehow mysteriously showed up in my mailbox. For reasons unknown they did not mail my statements to me for two months, but they were able to mail the letter with their bogus explanation of why those closed my account. Now my credit score will take a huge hit because of their irresponsible behavior.

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 2020-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Gateway One Lending & Finance sold vehicle loan to Santander Consumer USA on XX/XX/2020. The loan balance stated does not include XX/XX/2020 payment with a principle payment of ( XXXX ) interest ( XXXX ). Santander Consumer USA has populated a statement with the incorrect loan balance. 
{$22000.00} is reported. Aprox. {$22000.00} is the correct balance. 
I have contacted Santander Consumer USA on 3 occasions, and the accounting department has yet to fix the issue. The transaction history shows this payment, but is not deducted from the previous statement account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received unreasonable fine from bank for overdraft of checking account This was unfair and was sued three times on the same day. I talked to the bank many times, but they refused to cancel. I think such charges are unfair and illegal. This means that consumer exploitation is very angry,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
The payments posted by Wells Fargo on XX/XX/2020 should have been transaction posted as of XX/XX/2020 ( for {$4000.00} Principal payment XXXX and XX/XX/2020 for the {$3200.00} mortgage payment that was due on XX/XX/2020. That is what were the Original transaction dates for these transactions with the prior Servicer, before Mortgage servicing was moved to Wells Fargo. Please correct the transaction dates as I am being incorrectly and unfairly duped into paying more interest even though I made those payments almost 2 months ago. Please advise. Thank you

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 2020-03-11 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: TX

Complaint narrative:
hipppaa and ftc violations sent over 30 days XXXX  Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : 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 2020-03-11 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: TX

Complaint narrative:
hipppaa and ftc violations sent over 30 days XXXX Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I spoke to a supervisor over an hour and made payment arrangements, of which i have just paid off entire loan XX/XX/XXXX and i just logged into their site to check my account and find out their records show that im in default after i paid it off!!! 
and prior to that i had received a call from them saying i missed my first payment as well. and i spoke to a supervisor as well. THEY ARE STRAIGHT OUT LYING AND RUINING MY CREDIT AFTER LOAN WAS PAID OFF TO!!!!! ASAP THEY ; ARE FRAUDULENTLY DISCRIMINATING AGAINST CUSTOMERS THAT PAID OFF THEIR LOANS!!!! PLEASE INVESTIGATE ASAP>>>>>

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Oopps I WAS WRONG thinking USAA PERMANET CREDITS XX/XX/XXXX {$170.00} XX/XX/XXXX {$75.00} ARE REALLY PERMANET even though they ARE INCLUDED IN TOTAL CREDITS THIS PERIOD & SHOW AS ADJUSTMENT PURCHASES CREDIT see XX/XX/XXXX statement attatched. See attatched statement XX/XX/XXXX XXXX USAA REVERSED THESE PERMANET CREDITS {$170.00} & {$75.00} XX/XX/XXXX. See attatched USAA Statement XX/XX/XXXX {$15.00} {$17.00} {$25.00} PERMANET CREDITS USAA ** REVERSED XX/XX/XXXX see attatched statement. USAA can view these statements on line. TWO YEARS XX/XX/XXXX FRAUD NEVER CREDITED WITH ANY USAA PERMANET CREDITS ** THAT STAY PERMANET. DOES USAA HAVE ANY PERMANET CREDITS PERMANET??? I HAVE BEEN THROUGH ALL TEMPORARY CREDITS then awaited them TO BE MADE PERMANET TWO YEARS LATER and after I. Have had to FIGHT USAA TO MAKE PERMANET CREDITS DUE cleverly at a later date USAA REVERSES USAA PERMANET CREDITS. AGAIN, DOES USAA HAVE ANY PERMANET THAT ARE PERMANET???????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I created an ETF transfer from Credit Karma Savings to XXXX XXXX  XXXX. Recently, the wife and I had separated our Accounts from XXXX XXXX  so we had a new Savings Account Number. The account number we had on file with Credit Karma was still the old XXXX Savings account number. We did not realize this until after the transfer had taken place. I sent an email to Credit Karma explaining the error on XX/XX/2020 since they do not have a public phone number to call. I was sent a reply on XX/XX/2020 stating they were going to make contact with their " Bank of record '' to find out what will happen. I contacted XXXX XXXX  on XX/XX/2020 and they said typically with a failed ETF, it simply get 's routed back to the originating account. As of today, the funds have not appeared in my account. I attempted to email Credit Karma again on XX/XX/2020 but have not heard back from the " Bank of Record '' or heard back on my additional email. 

I found a phone number hidden in the financial documents for Credit Karma but it goes to a voicemail. Banking partner with Credit Karma is XXXX XXXX , XXXX I would provide you with my account number but according to their website " For your protection, we do not display your full savings account number nor routing numbers associated with your Credit Karma Savings account anywhere on the website or on your statements. Only the last four digits of your account number appear on your  statements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
To whom it may concern- Im writing to dispute a charge made to my Barclay credit card after the card was canceled. On XX/XX/XXXX, I called and canceled my Barclaycard,  which held a {$0.00} balance. On XX/XX/XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX/XX/XX/XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with Barclaycard. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and Barclaycard waived the late fees because Braclay agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the Barclay credit department, billing disputes department, and even resolution managers from Barclaycard. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called Barclaycard to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A Barclaycard manager already agreed to make these changes and then failed to do so.

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 2020-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have a voicemail from Ace saying I will be sued in XXXX XXXX and my job will be called to locate me. My wife got the voicemail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid {$1500.00} from my Bank of America Corporate Checking account to my Bank of America Corporate Credit Card. BofA took the funds from my personal checking account. These accounts are not linked. BofA states they would return the funds on XXXX XXXX & XXXX. The funds have not been returned to my personal checking account and the stated error on their part has incurred numerous fees to my personal checking 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 non-monetary relief
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
To whom it may concern- Im writing to dispute a charge made to my XXXX credit card after the card was canceled. On XXXX XXXX, XXXX, I called and canceled my XXXX, which held a {$0.00} balance. On XXXX XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX. XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with XXXX. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and XXXX  waived the late fees because XXXX agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the XXXX credit department, billing disputes department, and even resolution managers from XXXX. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called XXXX  to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A XXXX  manager already agreed to make these changes and then failed to do so.

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In late 2019, Chase Bank has begun a habit of charging {$34.00} and returning an item, then when it is auto returned by the vendor Chase will pay the same item into overdraft causing a total of {$68.00} fees to the consumer. Whereas in the past the item was paid into overdraft with one fee at its initial presentation to the banking institution. This is now considered as a predatory behavior to the consumer. Statements are attached. Please reference XXXX XXXX and XXXX XXXX transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, Chase Credit Card Services processed a payment on a credit card for full statement balance, when a lower payment was set on my end with autopay. I had my bank reject this, at a fee. They never admitted fault, but I updated my account to use the correct balance and double checked my settings for my other credit card to make sure it was set up correctly. On XX/XX/XXXX, they did the same with the card I verified on the XXXX was set up correctly and charged the full amount. They are saying this is my fault when I know I logged in on the XXXX and verified it was set up correctly. They are refusing to admit fault and refuse to accept my bank fees I have incurred as a result of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car was totaled on XX/XX/20. My insurance company ( XXXX  ) sent 3 checks to the loan company ( Ally ). The 1st was sent on XX/XX/XXXX, credited on XXXX ( for just over {$10000.00} ). the other 2 checks ( {$4000.00} and {$2400.00} ) were sent on XX/XX/20. They STILL have not been applied to the loan to close the account. I have called repeatedly, been told the checks are " pending '' and to check back because " they are having issues with a system update ''. Meanwhile I continue to make monthly payments ( which means they are collecting money over and above what is owed to them ) with no end in sight. No one can give me a time frame of when this might be resolved, and no one there ( at Ally ) seems to be able to explain why they haven't cleared the checks. I can understand system issues happen, but holding money ( all the while collecting more than what is owed ) and not being able to give a reasonable answer or time frame seems more than a little shady. If they are doing this to all their " total loss '' accounts it could involve THOUSANDS upon Thousands of dollars over and above what the loans were for. When I spoke to them again today ( XX/XX/XXXX ) I was told a supervisor would call me back in 24-72hrs, but that they wouldn't be any better able to answer my question or solve my problem.

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