vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
Over a year ago I had an open account with Citizens Bank. The account was accidentally overdrawn {$2.00}, and I was charged a huge fee of {$35.00}, which is 1502 % interest. I called the bank to explain that I could n't cover the overdrawn amount ( now {$37.00} ) until the XXXX when my direct deposit was scheduled for, and they indicated that they would continue to charge me fees for not being wealthy enough to cover their ridiculous fees. I explained that this was unacceptable, and that I would be closing my account and taking my money with me if they did n't stop posting fees to my account, as this policy obviously only affects poor people who ca n't cover the initial huge fee and turns into a vicious theft of money. I do n't get to charge the bank 1502 % interest when they borrow money from me, so this is an abusive relationship. 

Citizens Bank continued to charge my account, and I followed through on my word to leave as soon as the XXXX rolled around and my deposit came though. I withdrew and transfered my money ( minus the first {$35.00} fee ) and left the bank. 

I went to work on XXXX XXXX down in Massachusetts, and after working a 16 hour shift, made sure to file paperwork canceling my direct deposit before driving 4 hours home. The next day I began calling payroll and leaving detailed messages ( they never answer the phone ) to ensure my check would be mailed to my address and not sent to a bank. 3 weeks later I still had not received a check and began calling payroll again, to eventually find that my paperwork and phone calls were ignored, and a direct deposit of $ XXXX was sent to Citizen 's Bank. I checked the account and it had been closed ( as it should have been ) before the deposit was made, but payroll claimed the amount was never returned to them. From what I can gather, Citizens Bank has been holding my {$340.00} paycheck without my permission or an open account, for over a year now, and I have n't seen a penny of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( 1 ) Equifax has failed to protect mine and millions of others personal information. 

( 2 ) The CEO 's " sold '' off their company shares of stocks " Before announcing the massive data breach. Of which happened a month ago. 

( 3 ) Offering a " year '' of free monitoring service is clearly not enough considering the amount of personal data lost and the soon to come total number of people actually involved. My personal information will be at risk for YEARS! to come. All the thieves have to do is wait a year? This is clearly a marketing scam. 

This company should be under federal investigation for federal crimes against the people and companies. Equifax has become a case of " the inmates running the asylum '' and should not be trusted with such sensitive information. I never gave Equifax permission to keep or gather my personal information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: WV

Complaint narrative:
There is a medical bill from XXXX XXXX XXXX XXXX located in XXXX WV on my credit reports in the amount of {$280.00} which is now with Fidelity Collections. I have NEVER seen any physician at this office nor did I authorize any treatment for anyone stating that I would be responsible for any debt. I did contact XXXX XXXX personally and I assumed this was removed from my credit report as he stated he would take care of this with his office staff.

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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I 'm livid about the Equifax data breach and how it has been handled. I have no choice in whether my information is provided to them and they were careless with my, and millions of other people 's, information. I 'm upset that I have to sign up to see whether my data has been breached, and that Equifax wo n't give me a straight answer as to what has been stolen. It 's bad enought that even without the breach I 'm not allowed to see my own information without paying for the privilege, but now I do n't even know if my entire identity has been stolen. I 'm angry that this is n't a bigger deal in the news and that it Equifax is treating it in a slimy, cavalier manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
In XXXX XXXX I received notice that all accounts listed on my credit report with Aargon Agency Inc. were all closed and would be deleted from all credit reporting agencies. As stated before I do not have an account or contract with Aargon Agency. There is still an Aargon Agency account reporting on my credit reports in the amount of {$570.00}.

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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX XXXX, 2017, I had to freeze my accounts at Equifax, XXXX, and XXXX because of the security leak at Equifax. Equifax has not offered any viable solutions to the fact that they failed to protect the confidential accounts of millions of Americans, and in fact we did not have any CHOICE about their having this information about us in the first place. They are not even able to verify whether we are in the pool of people whose information has been compromised. Meanwhile, our information could be out there, being used by the hackers. 

As a result, I had to freeze our accounts. In my state of Tennessee, that means I had to pay {$7.00} per account for this freeze, and when I want to unfreeze it, I will have to pay {$7.00} per account again. I will have to pay {$7.00} per account EVERY TIME I freeze or unfreeze the accounts. 

This should NOT be my responsibility. Why am I being financially penalized for the incompetence of a service I never gave permission to have my information anyway? At a minimum, Equifax should have to pay these fees for me AND for every customer who has to pay them, every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax security breach. Equifax failed to properly protect my private data, causing sensitive information to be shared with unapproved parties, potentially leading to identity theft. ( This issue also affects my spouse. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.

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 2017-09-10 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: NC

Complaint narrative:
I was a victim of Transunion 's Inquiry issue! I contacted their customer service department and they would not help take care of the negative inquiries reporting on my credit report. 
XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX 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 2017-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax was hacked and my information was compromised. I attempted to place protection on my account but was unable to do so. My cred report and any related information has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WAFD BANK
State: NM

Complaint narrative:
On XXXX XXXX, XXXX my Account was compromised by the XXXX XXXX XXXX XXXX. Washington Federal Bank took immediate action againist, the Hotel Manager but, the Hotel Manager has had all the 'laughs ' for the last ( 5 ) Months, And Now the Bank participates in the 'laughs ' as Well. 

1 - Debit Card is not functional for XXXX/XXXX which is, 'crictical ' for Water Supplies without Incident and Injury as well as, USPS Mail Pick-up. 

2 - Policies for Insurance Coverage for " Renters '' and " Identity Theft '' were of ' 'Formal Compliant ' for XXXX, XXXX and XXXX only, covering XXXX Weeks of Renters XXXX and 0 Days of Identity Theft Policies. ( 5 Payments totaling {$75.00} ) 3 - Discrimination in Fair Rent, Discrimination in Fair Credit Reporting, Discrimination in Fair Housing. ( Overcharges {$1200.00}, Losses {$800.00} )

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 2017-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX I got a automobile loan from heritage acceptance. The loan was {$12000.00} for a {$6000.00} car. I would have ended up paying {$18000.00} for a {$6000.00} car. I was young and did n't know amy better. I traded in the car for a better interest rate. The trade in was n't enough to pay off the old loan so now I have a {$540.00} dollar car payment. Struggling to get by. They also charged me {$2.00} everytime I made a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: KY

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I recently had to return a leased vehicle. 
The vehicle a Volkswagen CC R Line, had only 20 miles and gorgeous car. I was pushed to lease the car when I really wanted to buy a car. I was also told that the more money down the less monthly payment, so I paid XXXX out of my 401k right up front. In XXXX we received a letter about the XXXX airbag recall and that our vehicle was being recalled. 
On XXXX XXXX XXXX I returned the vehicle to XXXX XXXX in XXXX, KY. They were more than rude because we were not extending or buying the vehicle. I asked if we could have some kind of price reduction and review on the monthly payments since the vehicle had depreciated so much and I was forced to literally drive a ticking time bomb with a defective airbag for the whole term of the lease, even if the recall of the vehicle was not disclosed until later. I drove a vehicle that was not worth the price it sold for or leased for. 
VWCredit did not care to even waive the return fee of XXXX nor the property tax remaining of XXXX. 
There has to be some kind of refund on the original price.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have two checking accounts with Capital One and have had these accounts for approximately 10 years. For the past few years the bank has been charging me {$35.00} for overdraft protection on each account and also {$35.00} for insufficient funds. These charges have often added up to {$300.00} or {$400.00} per month, which is very hard on me as I rely mostly on social security and a small pension for a living and am frequently low on funds as I wait for my next check. I have also signed up for several automatic debits - for car insurance, for a donation to public radio, etc. Regarding overdraft protection sometime the bank pays an item sometimes it does not. Either way they charge me {$35.00}. And I do not understand their policy -- why pay some things and then not pay others? Also many times I am charged {$35.00} for a 10 or less debit. Recently I called the bank and asked that overdraft protection be stopped on both accounts. I was told if I did that that I would only be charged an insufficient funds fee for actual checks I wrote or for automatic debits. I proceeded to call all my automatic debits and cancelled them or told them to bill me directly not bill my account. When my XXXX cell phone payment hit my account a few days ago it was not an automatic debit. I paid it at the time. The bank charged me {$35.00} and bounced it, despite telling me only automatic debits would be charged the fee. XXXX resubmitted the bill and the bank charged me {$35.00} again. So {$70.00} on one bill. I also believe on many occasions over the past 3 years the bank has re-ordered the timing of debits so that they could charge more fees. 
I understand banks in the USA make {$18.00} billion or more a year on these fees. This is usury plain and simple. How is this different from payday loans? At least with the loan someone gets money to pay the bill. Banks like Capital One are taking advantage of people often with limited incomes who need a checking account to pay bills and do n't know about alternatives. The bank has zero or little costs when I bounce a check or have insufficient funds - so why are they allowed to charge a fee if no service is provided to me and they incur no costs? Why does the government allow this? Could it be because the big banks donate to our politicians? Who is going to take care of the little guy and change the law on this so banks can no longer get away with it?? Is n't that the role of our government?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ND

Complaint narrative:
InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. 
XXXX XXXX XXXX North Dakota.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I got a personal loan for XXXX in XXXX I am still paying on this loan of {$250.00} a month the loan has went to three different companies each time I ask him when this loan will in they do n't even know I keep on getting the runaround I was told that the interest would be paid off in five years I know I made a mistake I just wanted anybody can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I 've been paying my car loan for at least the last 4 years. With a maturity date of XXXX/XXXX/2018, I calculated that on my current monthly payments, I would still owe over {$1600.00} on the loan. After contacting the bank, the explanation given was n't clear, making me think there would be a " balloon payment '' at maturity. If so, it was n't explained to me when the loan was issued. Even though I 've requested 2 extensions during the life of the loan, I do n't think the fees + interest would come close to {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX TN XXXX. It was financed through Santander Consumer USA, I dont have a central address for them. My APR is 22.95 % I was XXXX just for financing. The principal balance is XXXX. After all 72 payments are made I will have paid XXXX. If you add the XXXX value of my trade in that brings the total to XXXX! Thats almost double! And well over 3 times what that truck is actually worth. Please help me. I have talked with both Santander and the car dealer both told me that. I could try to get a loan some where else. Or trade and get a compact car for even more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax was negligent in safeguarding my personal information opening the doors to the potential of lifelong identity theft. They also did not notify me in a timely manner when the data breach was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: GA

Complaint narrative:
During the month of XXXX XXXX we attempted three times to pay a monthly car payment if {$570.00} to Ally Bank. The representative and her supervisor said we had to make the payment in a completely different way. We were told we had to obtain. XXXX XXXX. We tried to negotiate and come to a resolution but the Ally representative became mean and very disrespectful towards us. I filed a complaint with XXXX XXXX. We received a phone call from XXXX with Ally Corporate. She stated that she would be looking into our complaint but asked if we could pay the XXXX payment. I explained to her that it was the XXXX of XXXX and I was trying to pay XXXX 's payment. She was confused and was ordering a complete audit of the account. We heard nothing until XXXX XXXX when a tow truck arrived at our house to repossess our car. Our account number is XXXX and we lacked four payments to complete our loan. I asked for a loan modification and was denied on the spot. I was told that Ally was not a bank. In XXXX I asked our Congressman for help and was told there is no government office that could assist us. You can teach us via phone XXXX with any questions! Thank you for your time and attention paid to our situation.

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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax failed to maintain basic security practices, resulting in the loss of private data to unknown souces. Equifax has failed to demonstrate transparency and has deceived the public about it 's knowledge of the data breach, as indicated by Equifax executives selling stock moments before releasing information about the data breach. Finally, Equifax has failed to properly resolve issues that stem from the loss of data that will lead to an increase in identity fraud, by not providing an option to make whole the individuals whose data was lost.

Company response to consumer: Closed with explanation