vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have made over pmts when I can because I know longer have a monthly income. I Noticed my XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 I over paid and was charged my counties 6 % for the over pmt amount instead of the {$19.00} sales tax per signed and agreed upon contract that the base would be {$320.00} but {$320.00} it fluctuates monthly and sales tax should be {$19.00} but also fluctuate to {$19.00}. The problem is that when I made a overpmt they taxed me the 6 % on my over pmts that I'm not due for for XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX. I have been told several lies and denied to credit me the extra taxes they charged on a over pmt, I was told the 1st call about it, something was offset in XX/XX/2018 and when I made the unexpected over pmt it corrected the issue, I then asked what was offset and she/rep could not show any prove to what she said. She then says the {$11.00} credit charged sales tax from XX/XX/XXXX went to next month bill but I was charged even more sales tax because I paid {$540.00} so they taxed me 6 % again on my over pmt amt, my lease pmts are {$340.00} and they say they can charged me more in taxes when I over pay. So Iam being penalized for paying in advanced!!! I explained, I was in a car accident and lost job and have NEVER been late. I have been told more lies and they blame it on the state/county, I explained I'm in same state I purchased vehicle as they can see on account and Michigan State and ALL counties taxes are 6 % after they tried to say it's the state taking more taxes as if I did not sign a contract agreeing to a set amount. I ask, If I can pay upfront what's left of the taxes of XXXX on the car and was told no and in the future will continually be charged more taxes if I over pay which breaches the contract on a set amount to be allocated correctly, I set the contract up to only pay what the contract states, what I'm obligated to pay and NON MORE. The recorded calls will show that they are liars, this last supervisor that I talk to today said our call was not recorded which should not be legal when their is a discrepancy. I know longer want the vehicle because they XXXX a XXXX XXXX XXXX! I will never get another vehicle and will push for others to do the same because XXXX is a XXXX XXXX. Thank you for your time reading my complaint and hope I don't have to get a class action lawsuit together because the people who can afford to pay more is not cheated like they do the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: NY

Complaint narrative:
I did not authorize and do not recognize the following inquiries that now appear on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-28 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
To whom it may concern : I have had a TD bank credit card since XXXX as I am told by them. I do not personally remember when I opened the account. It had a XXXX limit. I have been a member of TD bank and currently have other credit cards of theirs for years, since back when TD bank was XXXX XXXX. I have good credit and have never had delinquency issues with TD bank and have an excellent payment history. I had a credit card with them that I did not use for a period of time so I received a letter from TD bank in XX/XX/XXXX saying that if I did not use the card they would cancel the card on me. So since I did not want to lose this card I decided to start using it. I proceeded to use the card for 2 months charging over 800.00 on the card. The card was set to expire in XX/XX/XXXX and I thought I would get a new card in the mail since I proceeded to use the card and pay 2 monthly statements. I called up TD Bank and asked them when I would receive my next card. TD bank told me that they canceled the card and would NOT send me a new card due to inactivity. 
I told them I was using it and they knew I was using it! They still said that since it wasn't used for a period of time they were canceling it on me. My question is why did they send me the notice letter if they were cancelling me anyway!!? I felt robbed out of XXXX because I would not have used it but for the notice letter I received. But it isn't about the money but the fact that they canceled my credit card period, my revolving line of credit. TD told me I could reapply if I wanted to, knowing that that would cause a pull on my credit just so they could deny me or give me a lower limit! I feel robbed because I did what I was supposed to by using the card and paying 2 month 's statements.They should have done what they said and allowed me to keep the card open. I also called TD later to ask them to withdraw my wife as an authorized user and they told me I couldn't because the card was in canceled status. I lost my points also on anything that I bought. This is not right and I am formally requesting a complaint against TD credit card services and bank. I want my credit card opened up again, not only for use if needed but also so I can remove my wife from the account, so she isn't strapped down with debt that is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion XXXX ACC XXXX - acc 2 XXXX acc 3 XXXX after reviewing your so called Investigation on XX/XX/2019 you claimed that you had verified and updated these account listed above But I noticed the status update didn't update?? How is this Possible?? please tell me NOW?? The FCRA REQUIRES YOU TO CONDUCT A PROPER INVESTIGATION SINCE THE STATUS UPDATE DIDN'T CHANGE THIS IS FACTUAL PROOF THAT YOUR OFFICE DIDN'T CONDUCT A PROPER INVESTIGATION! if YOU WOULD HAVE DID YOUR JOB AND FOLLOW THE LAW THE LAW THE STATUS UPDATE WOULD HAVE AUTOMATICALLY UPDATE WHEN XXXX RESPONDED BACK TO YOUR SO CALLED DISPUTE BUT THEIR WAS NO DISPUTE AS I CAN SEE DUE TO THE STATUS UPDATE THIS US A VIOLATION OF THE FCRA SO YOU KNOW I ATTACHED A COPY OF A XXXX  CREDIT REPORT IN FILE THAT WAS FINISHED JUST 3 DAYS SHY OF YOUR SO CALLED INVESTIGATION LOOK AT THEIR STATUS UPDATE AND ALSO THEIR HIGH BALANCE AND BLANCE YOURS IS NO WHERE CLOSE TO THEIRS This means you failed to investigate Not only the status update date is wrong also the balance and High balance and see the Top of your credit file dated XX/XX/2019 You should be a XXXX ashamed of doing this I'm serious this is the law and you must follow it. I will tell you this much if you DO NOT DELETE THESE 3 XXXX ACCOUNTS ASAP I WILL FILE I LAWSUIT. THIS IS UNREAL ... AGAIN IF THESE ACCOUNTS ARE NOT DELETE ASAP I WILL FILE LAWSUIT IF YOU DON'T BELIEVE ME TRY ME AND WATCH AND SEE WHAT HAPPENS

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 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I PULL UP MY CREDIT REPORT LAST WEEK I NOTICE I HAD 3 FRAUDULANT ACCOUNT ON MY REPORT. I WAS VITICM OF IDENTIY THEIF LAST YEAR I FILE A POLICE REPORT. THE ACOUNT ARE XXXX XXXX, TSI XXXX, AND XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
I have reported fraud accounts being reported on my credit report by Equifax and only Equifax. I have took the proper steps per the fcra to have the fruad removed and blocked. I have submitted a FTC report, police report and copies of my id numerous time. I have contact Equifax fraud department several times and was hung up on by the rep when I stated they have violated my rights. I provided them with proof of the violations and have been hung up on every time. This is not ok or legal. Equifax is causing my family great hardships and I will be pursing equifax in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted via telephone company ConServe, a Debt Collection Agency located in XXXX, New York that I did not owe a debt to the US Postal Service. ConServe has also " reported '' this information to all 3 Credit Bureaus and the US Treasury Department ( IRS ) to take any " tax refund ''. I explained that I had information that the Judicial Officer of the US Postal Service, Chief Administrative Law Judge XXXX XXXX ruled " twice '' in the year XXXX that I " DO NOT '' owe the US Postal Service. 
On XX/XX/XXXX I was told by ConServe employee that once the information is received by fax they would investigate. To date ( XX/XX/XXXX ) the deragotory information is still on my credit report and ConServe still calls my cell phone number. I need the information deleted from all three ( 3 ) Credit Bureaus and from the US Department of Treasury for the IRS to take my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: CA

Complaint narrative:
The only address I have lived at is XXXX XXXX XXXX XXXX. I have not lived at the other address listed. 

I also was never employed at XXXX. 

I have never opened a XXXX XXXX Account which states that one payment was made and the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a few accounts that are unverified on my credit report. I contacted XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: NY

Complaint narrative:
I ran my credit for the first time and realized someone has been using my identity. I have not gave no one permission to use my social to apply for no credit card.below are the accounts that don't belong to me : XXXX XXXX- Opened XX/XX/XXXX - Amount {$330.00} XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - Amount {$1000.00} 3 ) XXXX   XXXX / XXXX XXXX Opened XXXX Amount {$0.00} 4 ) XXXX- Opened XXXX Amount {$0.00} 5 ) XXXX XXXX- Opened XXXX Amount {$0.00} 6 ) XXXX  XXXX XXXX- Opened XXXX Amount {$0.00} 7 ) XXXX XXXX XXXX- Opened XX/XX/XXXX - Amount {$900.00} 8 ) XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX - Amount {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
For nearly 7 years I have had a truck loan with Rally Motor Credit at XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone # XXXX. It has always reported correctly until XX/XX/2019 and now the loan shows removed from my credit report. This is seriously a problem that it has been removed as I only owe apx   : {$1300.00} left on the loan. I have reached out to the company let my rep know of the issue then about 3 weeks later I had a woman XXXX XXXX send me an email asking for a copy of the information on my credit report showing the account had been removed she was very rude in her email and threatened me stating that I had a certain amount of time to respond or she would close the dispute. I screen shotted my credit report with the requested info showing that the account for Rally Motor Credit had been removed from my credit report the same day and sent it to her. I was not very nice about the fact that she had threatened me when this is their mistake. I sent this info on XX/XX/2019. I have not heard back from her at all in 2 weeks. Today I reached out telling them that they have still not gotten back to me and that the account is still not showing on my credit report. I only got a response from my account rep XXXX XXXX stating that I need to contact the credit reporting agencies and deal with the problem with them. I have a huge issue with this due to the fact that it is not the credit reporting agencies mistake it is the companies mistake and they should be the ones to correct this as I have already spent so much of my valuable time to try to get this fixed. I still have not heard back from XXXX. This is fraud and should have been dealt with in a professional manner by Rally Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: MD

Complaint narrative:
In XXXX of 2019, we received a loan estimate detailing how much we'd owe for down payment on a conventional loan. We decided to switch to a FHA loan after selling our condo to lock in a lower fixed interest rate and reduce cash to close. In early XXXX, we received our first FHA loan estimate stating we needed XXXX cash to close. Given this amount, we decided to finance some of this amount to get to a lower cash to close amount of XXXX. Unknowing to us, the loan officer made a mistake to the amount of the seller credit and had been showing the incorrect amount to us since early XXXX. We are scheduled to close on XX/XX/XXXX and just found out XX/XX/XXXX of the error and are being asked to bring XXXX cash to close with only 6 days notice. We feel this is completely unfair to us and had we known in advance, we could have planned differently and might have made difference decisions. 

At this point, NVR Mortgage/XXXX XXXX is recommending a 5/1 ARM FHA loan to return the amount of money we were paying to lock in the interest rate. Of course this comes with a {$40.00} increase in payment per month because of the interest rate differences and we'd still have to come up with roughly XXXX more than what was on the estimate. This is definitely better than XXXX but the company doesn't appear to be assisting in an error they created and we are being asked to pay for their mistakes by taking a higher interest rate, paying more money cash to close, losing a fixed interest rate, definitely needing to refinance, etc. 

The other option is to stay with the same fixed rate and they reduce the loan amount ( points ) we pay in half from XXXX to XXXX. This will save us XXXX but we are still looking at paying roughly XXXX more than what was on the estimate. I understand that estimates are not perfect but you dont expect them to be XXXX off and we feel completely blindsided by this. I even shared with the loan officer that something similar happened to me before and he assured me that his estimates are never off this much yet I find myself in the same position. Its not so much about the money than it is about doing what's ethical. If you make a mistake, you should do what you can to resolve the problem and I dont feel NVR Mortgage/XXXX XXXX cares to do that at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: MI

Complaint narrative:
I am being threatened and harassed by Capital Management Services over a credit card debt currently in dispute with XXXX/Visa.

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 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I have a collection on my credit report that is not mine. Someone forged my signature and the company in question refuses to listen to me. I have tried disputing it with the bureaus but have had no luck. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I co-signed for my daughter in XXXX. In XXXX she allowed her vehicle to be repossessed. The name of the company is XXXX XXXX XXXX XXXX. I have constantly disputed this on several occasions. I noticed that they opened a new loan with a different account number on my report with both showing as repossessions, which has caused me the inability to get a car loan or any type of loan. Both of the account numbers are partial and incorrect. 

XXXX XXXX XXXX was closed out in XXXX. They have been contacted as well. This account also reports a partial account number. 

Amongst other derogatory accounts with partial numbers on my credit file as well.

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 2019-05-28 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: KY

Complaint narrative:
There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.  XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX   XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/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 2019-05-28 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: CA

Complaint narrative:
The only address I have lived at is XXXX XXXX XXXX XXXX. I have not lived at the other address listed. 

I also was never employed at XXXX. 

I have never opened a XXXX XXXX Account which states that one payment was made and the account is closed.

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 2019-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I had my last course completion on XX/XX/2019. I have already been called repeatedly and have received a notice that I have missed payments totaling {$390.00}. XXXX Loans claims I am delinquent however I have been in in school deferment since XXXX. They have constantly harassed me in the past despite my in school status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/19 I purchased a gift card in the amount of XXXX from XXXXXXXX to XXXX XXXX. That is the only transaction I authorized. 

On XX/XX/19 I checked my online banking and to my dismay I fount 3 additional transactions to the same company in the amounts of {$600.00}, {$140.00}, and {$150.00} I contacted Bank of America to advise them of the unauthorized amounts. They advised me to start a dispute online. 

I made an error in selection for the reason for the dispute when doing this online. I called bank of America again to notify them of the error and to ask them to take the dispute over the phone. I also needed to add to the dispute that the initial {$250.00} because I had not received the emailed gift card that I had ordered. The website XXXX states that the gift card would be emailed electronically instantly. 

I made multiple attempts to contact XXXX at the telephone number they provide on their website, as well as wrote to them in a comment box that is on their website. I haven't heard back from them to this day. 

Bank of America approved 2 of the disputed transactions. One for XXXX and one for XXXX. 

The remaining 2 transactions have not been approved, and in the mean time, I have had payments come out of my account that are overdrawing my account because of these unauthorized transactions, and I am being charged NSF Item fees for these transactions.

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