vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I have been trying to negotiate a settlement with Exeter Finance Corp. since XX/XX/XXXX. Exeter Finance Corp is now trying to repossess the vehicle XXXX XXXX XXXX with XXXX miles. I original purchased this vehicle in XX/XX/XXXX. I have slow payments throughout the life of this loan but in XX/XX/XXXX to present has triggered a series of events financial issues. My mother was diagnosed with XXXX XXXX, then XXXX XXXX in XXXX. My son was repeatedly XXXX  and his son was birth and care of in XXXX. My daughter suffered XXXX  XXXX  issues in XXXX. My father was on XXXX XXXX in XXXX. My mother was diagnosed again with XXXX XXXX and my father passed away in XXXX. I should not have to detail my personal issues of my family and life not to mention I had several periods after purchasing the vehicle of underemployment and unemployment. Despite all of these factors I have been a loyal customer communicating with Exeter Finance Corp and paying on my loan.

Based on the telephone conversation with Exeter Finance Corp, I have compared their company records against my records. Their staff personnel advised the original contract total amount would have paid Exeter Finance Corp {$41000.00}. According to my original documents and the total value of the car was {$24000.00} and the total financed amount was {$14000.00} which equals {$39000.00}. Their staff advised I have made 73 months of payments on this 72 month contract and total payments made are {$40000.00}.

Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Macys debt protection program has been taking money from me for 13 years! I finally found out about it and they wont do a XXXX  thing besides say we will escalate the issue well its been escalating for 120 days now and still nothing! No one has phone numbers or contacts to anyone, but now Im just finding out its Citibank who is responsible. Even Macys corporate office had zero answers for me. Plus no one can show me any documentation of my enrollment into this scam, My balance is XXXX $ and the amount that you have taken from me should be refunded to my account and XXXX  out! 13 years Ive been scammed by you and Macys and no one wants to take any type of responsibility but you both have no problem taking my money, and I want it back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In reference to # XXXX I received communication from the thoroughly dishonest Bank of America. XXXX not just to me but to officials of the US Government. I believe that is a crime. I object to the 60 day response period. I object to the bank saying they could not verify my identity. Really? Last I am in possession of an e-mail from Bank of America that proves they are lying. Either that or they can not do simple arithmetic. Not only do I want this resolved in my favor I want the CFPB to open a class-action as I am sure the bank has injured thousands and thousands more. E-mail available on request. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The XXXX fund transfer authorized by me is sent to a wrong account and my bank, Citibank, N.A., is refusing to refund. 

On XX/XX/2019 I made a XXXX authorization to transfer {$200.00} to my niece, XXXX ( XXXX ) XXXX, and the money was never transferred to her. The money was transferred to the person named XXXX XXXX. I am confident that I correctly keyed in my niece 's telephone number and asked Citibank for the record of telephone number I typed in and the account number linked to that telephone number but I have not received it. The only proof Citibank provided is the transaction record showing the transfer made to one XXXX XXXX and the record does not show the transfer is linked to the telephone number I entered. 

The case number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Student Loan Debt Agency
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened both checking and saving accounts with citibank online in XX/XX/2019 and their online system is really bad, when I click the check account to review my transactions, it's always showing loading for both my accounts. I am not able to see the details of my accounts. 
When I tried to transfer some money from an external bank to citi, the citi accounts got locked for no reason.i had transfered {$15000.00} USD to citibank and now it shows my accounts closed. {$15000.00} had been deducted from my external bank accounts and showed that this money already deposited into citibank, but citibank denied the receiving of this money. I now don't know where my money is at. 
and I spent 4 hours over the phone with their CS, and they weren't not helpful at all but waste my time.their customer services on the phone is the worst. their english is hard to understand and the info. they provided is not accurate at all. 
If you want to be happy, stay away from citi bank ever!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
For the dates of XX/XX/XXXX thru XX/XX/XXXX totaling in the amount of XXXX was all fraudulent transactions. In the month of XX/XX/XXXX I notice these fraudulent chargers. I then found out that a friend of mines, XXXX XXXX, had stolen my card. As months progressed he ended up stealing 6 credit cards. XXXX is the only credit card company that Im having trouble with pertaining to my credit cards. Its an insult for me to received a letter stating that I participated and benefited from his transactions. Ive been dealing back and forward with XXXX since XX/XX/XXXX. The first time ( XX/XX/XXXX ) and last time ( XX/XX/XXXX ) they told me that I couldnt dispute because its someone that I know. In the month of XX/XX/XXXX they credit my account XXXX but when I question them about the portion credit they again reopen my claim. Two months later they put the transactions back on my account. XXXX is not honoring the zero fraud liability policy. XXXX XXXX was arrested on XX/XX/XXXX for theft of my credit cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX   XXXX  with Scott & Associates listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to Scott & Associates, a collection agency law firm. I never received any type of communication from Scott & Associates prior to being served with a citation. I sent Scott & Associates a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. My complaint against Scott & Associates is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with Scott & Associates.

This is my second complaint. Evidently Scott & Associates put an incorrect address on the petition with the court and my complaint was sent to the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/LOW has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: MD

Complaint narrative:
I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given Transunion, XXXX and XXXX are failing to remove these inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: MD

Complaint narrative:
I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, XXXX and Experian are failing to remove these inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICAN EXPRESS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I filed a CFPB compliant ( XXXX ) against First National Bank of Omaha ( FNBO ) and also contacted their CEO regarding this issue. They responded that they followed the Fair Credit Reporting Act ( FCRA ) see the attached, as much as I love placating form letters and voicemails to Office of the President that don't get returned. I have some follow-up questions for 'XXXX XXXX ', because I don't believe it's been applied correctly in the past. I request the 2 following pieces of information 1 ) If this latest dispute was correctly reported according to FCRA, why was my 2017 dispute against XXXX not reported on my credit report? 2 ) According to FNBO the comment on my credit report is not displaying for institutional reports ( e.g. lender reports ), but is displaying on the consumer facing report. XXXX says that it's a matter for FNBO because they are the creditor that is reporting this information. Why is it display on the consumer facing report, but not on institutional reports ( e.g. credit card company inquires )?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB HL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
on XX/XX/2019 I deposited a {$9000.00} cashiers check from my home equity line thru Bank of America mobile banking app, the bank placed a hold on funds until XX/XX/2019

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