vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: OH

Complaint narrative:
I sent Santander Consumer USA a letter to validate my debt they did not submit the proper documentation to support. Also when the car was repossessed they did not send the proper documents to allow me a chance to get it back. When the car was sold after i wasn't able to get it back they did not send documents stating it was sold and the balance has been reduced. These are laws stated by the FRCA that should be followed by all creditors. I think they are illegally reporting to the credit bureaus based on these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: NY

Complaint narrative:
On Friday, XX/XX/2019 I made my car payment online via KeyBank bill pay. I noticed over the weekend that I had 3 security alert emails, stating an 'online banking account transfer was initiated ' from KeyBank and to call if I had not requested the transfer. I was afraid that they would try to run this payment 3 times so, on Sunday, XX/XX/XXXX I called Key to ask why I had received these alerts. I was informed that there was a glitch in the system and I received the emails in error. I asked if this meant that my payment was being initiated 3 different times and the call rep stated that my payment would not be processed more than 1 time. I unequivocally stated that I did not authorize any more than 1 payment. On Monday, XX/XX/XXXX, I checked my account and noticed that the authorized payment of {$750.00} had processed but they had also transferred {$720.00} overdrawing my account. When I called, I spoke to 'XXXX XXXX and she said verified that the information I had received on the XX/XX/XXXX was incorrect. She said that I would have to wait until Wednesday for the payment to post to my account before they could attempt to reverse it. I did nothing wrong, I did not authorize any more than the one, {$750.00}, transaction, they fraudulently took {$720.00}, overdrawing my account and leaving me with a {$35.00} overdraft fee, then told me that I had to wait for their system to post my payment in another 2 days before I could attempt to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX XXXX and equifax about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX experian XXXX   and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried several times to place a security freeze on my credit reporting from Experian Information Solutions, Inc. I have tried to use their website to add a freeze and called their 800 number. Neither work. It seems that they are trying to force consumers to purchase services in order to freeze their credit, by putting a web user into a look where they must click deeper and deeper into their site only to be routed again and again back to their starting screen and to locations where consumers can purchase their services. 

By the way, the other two agencies ( XXXX and XXXX ) both have very easy tools on their websites that allow consumers to place a freeze on their credit reporting!

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 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
I opened a checking account with BOK financial on and about XX/XX/2019, I used the debit card ending XXXX make some purchases of merchandise in XXXX and bring them back to resale in US. I spend roughly {$8600.00} total on the purchases but non of the item received by XX/XX/2019 which I expected, I have contacted the merchant several times and they always avoided my calls and never return my calls despite I left tons messages, I felt I got scammed, I filed fraudulent disputes against the merchant thru BOK financial, they told me that all charges were authorized so they stayed on my account, I have explained my situation further to them and asked them to reopen the case, they simply refused to do so .... This financial institution has no intension to help it customers, they even closed my account due to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WV

Complaint narrative:
They reported that I was late on payments from XX/XX/2019 until XX/XX/2019. I submitted information inXX/XX/XXXX of last year to defer my payments until I could find work, it should have been current in XX/XX/2019. I called them and evidently they didnt receive documentation on the deferred, so they didnt process it but I specifically remember mailing it in. I didnt receive a phone call that told me I was late or a letter. When I finally found out I was late i.XX/XX/2019 I was able to defer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?

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 2019-08-05 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: OH

Complaint narrative:
My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Needing help on getting help pay for my loans. Like someone was impersonating. I am looking for work now and needing place to live XXXX XXXX XXXX XXXX XXXX not my apartment. I am Struggling trying to go to another college soon. But needing help thinking wrong person lieing on me. Get foodstamps.Had bankruptcy before. 
They playing around email. My babydaddy XXXX XXXX have this apartment and he work at XXXX XXXX   XXXX XXXX up street where we stay. He try to be funny his Sister XXXX XXXX get XXXX  get checks trying to be somebody following makeing hard to succeed in College it hard get help. Get foodstamps now for kids and ripe with XXXX XXXX XXXX trying to hurt me. Thinking Sister yelling out on emails I get. Put in for Truck driving job because I am ripe with XXXX for my kids and XXXX   XXXX got check out at hospital here in XXXX XXXX. They tried to move money on emails far. XXXX XXXX XXXX XXXX XXXX No XXXX No XXXX other races in me. Stop harrassment and bad treatment I get public financial assistance. Need income driven payment assistance. Get online billing Statement XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Summary : I signed up for a XXXX American Express Card for the advertised XXXX miles, but only received XXXX. 

I received an advertisement from American Express " XXXX Card, which stated that I would receive XXXX bonus miles plus a {$100.00} statement after I spend {$2000.00} within the first 3 months. 

The advertisement was within the XXXX App ( XXXX ), and I took a screenshot of the advertisement prior to signing up, then clicked a link which opened a XXXX Browser. 

One of 2 things happened in this process : 1. During the " XXXX app '' to XXXX switch, the miles reduced from XXXX to XXXX miles, and 2 very large companies had not recognized nor fixed the issue. 
2. American Express intentionally switched the values, with the hope that most consumers would let it go. 

My response from customer service at XXXX, had me contact American Express. American Express told me that I only signed up with a reward of XXXX miles, though they will investigate with a 6-8 week timeline.

***The switch from XXXX 's ad in the app, to American Express in XXXX should be the earliest American Express has, so American Express will unlikely see the XXXX App side, and the ad I responded to. 

I find it difficult to believe that 2 very large companies that regularly pump out advertisements of XXXX miles would assume I would purposefully seek an offer of XXXX miles when there isn't an advertisement for that, and will do what they can not to honor the ad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANCO POPULAR DE PUERTO RICO
State: SD

Complaint narrative:
I checked my credit report and there was a new credit card opened that I know nothing about. I did a dispute with XXXX XXXX  and they said they completed the investigation and that the card is good. Its not mine..I know nothing about it. I do not know the account number. I called the company of the card and they know nothing. but they do want my social security number to look up account..not giving that ... And I don't know what the account number is ... so I need some helpl

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I have contacted the company multiple times requesting proof of the debt so far they have not provided any proof to me but they continue their collection efforts there are two accounts with the bank that they are representing that were open fraudulently years ago I was never contacted about these accounts until I attempted to apply for a credit card with the bank and then I was made aware prior to that the bank had different phone numbers different addresses different email addresses I mean it's pretty obvious that this was a case of identity theft and all the other accounts that were involved with this identity theft have already been resolved a years ago I've requested the company provide me some proof of the debt Show Me an application that I filled out that has the correct information on it show me where payments have been made because according to the bank payments have been made but I've never made any payments out of any account that I've ever owned how do you explain not having my home address or my phone number or my email address or any of that? Sending me copies of old statements is not proof I'm not disputing the fact that these accounts existed I'm disputing the fact that they belong to me and now you're gone as far as file a case with the courts do you honestly think I'm not going to show up and ask these exact same questions I hope your present because I won't be bullied by you I'm not scared of you and I plan to fight this so far you have not shown any proof that these accounts belong to me when we go in front of a judge he's going to want my questions answered my questions are not unreasonable I hope you're prepared to do that or you've just wasted your money filing a court case against me and just so you know I am not willing to consider the dispute resolution service that the courts are offering I want you to be forced to go in front of a judge and explain your position explain how you and big Banks like to pray on individual consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NE

Complaint narrative:
After the lease ended, we decided to purchase the car. We refinanced the car with our local credit union on XX/XX/2019. A few weeks later, the credit union reached out to say that they did not receive the title. I first reached out to Hyundai, on XX/XX/2019 via the internet. I was requested to follow up via the phone. I called XX/XX/2019 to ask about my title status. After being on hold for over 1/2 hour, I was told it was because the odometer statement was never submitted to them. ( They never sent an odometer statement in the first place. ) So they agreed to send it to be docusigned. The statement was signed and sent back to them. I called the following day to verify if they received the document. They told me that they couldn't verify it because it hadn't been three days yet, so to call back. At this time, I asked that the bill of sale be sent as well. They said that they could email that to me. I called back after 4 days ( I gave them an extra day ), They said that the document signed didn't work because they accidently clicked a box on the form that they sent me. ( There was no followup from the company to me to let me know this. ) The form was signed again and sent to Hyundai. We requested that they send the title and bill of sale at this time as well. They promised that the title would be released within a week and the bill of sale would be mailed and we would get it within 5-10 business days. We received the title release as of XX/XX/2019. We further waited the end of the 10 days, with no bill of sale from Hyundai. We called again and were told they would email it to us within 5 business days. At this time, we verified the email address again. 5 days has passed again and we have not received anything. We called again today and they said they would have it to us within 3 days. 

They received our payment at the beginning of XX/XX/2019. It has now been two months, of dealing with this company with no results. Within our state, we have 30 days to register and pay our sales taxes. I can not complete this without the bill of sale on the vehicle. That window of time has passed and every additional day we are charged interest and penalties on the taxes due. 

We ( my husband and I both ) have spent an exorbitant amount of time ( hours ) attempting to fix this and Hyundai seems largely unconcerned with helping us resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested my information from Equifax XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( 1XX/XX/XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed XX/XX/XXXX and still my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call i'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXX, I set up a {$1500.00} burial account for my then XXXX-year old mother who lost her eyesight and had to move into a long term care facility, at Citizen 's Bank in a " green savings '' account. She also has a checking account there where her social security payments are directly deposited. I am the executor of my mother 's estate and was told when I set up the account that there would never be fees withdrawn from this {$1500.00} burial account. 
I just noticed that on XX/XX/XXXX, a {$10.00} ( dormant account fee ) was withdrawn. I called Citizen 's and they told me that unless a deposit is made every month in the burial account then she will be charged $ XXXX/month going forward. 
The government only allows my mother to hold {$1500.00} in this account which is purposed for funeral expenses. I was told that Citizen 's has now changed its policy and will withdraw $ 10/month from this account unless a deposit is made, and that I should know because it is in her paperwork. I can not move the {$1500.00} into her checking account while she is in long term care because the government will not allow her to exceed {$1500.00} in her account and she will be forced to turn it over to the long term care facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/2019, I started a transfer from my borderless XXXX account to another account, the recipient details seems to be incorrect and transfers couldn't complete the payment, I wrote to them and tried to correct the details but my they deactivated my account instead and they advised me on XX/XX/XXXX that I'd have to wait for 60 days. 

I have waited 60 days already and these people still will not release my funds into the account provided to them ; they keep stalling and I am being told different things ; I contacted them last week on the XX/XX/XXXX and I still do not have my money. 

I am XXXX and In serious need of my money ; I am not appealing to use their services anymore, All I want is my hard earned money paid into my local account I have provided to them

Company response to consumer: Closed with non-monetary relief