vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX XXXX keeps calling my phone to try to get their payment for my washer and dryer. I have no problem paying for my items as Ive previously stated to them. My account is on auto debit but for some odd reason, the payment never goes thru, even tho there are funds in the account. As of today, XX/XX/XXXX, I have been called by Conns nearly every 30-45 minuteseach time from a different number. On Sunday XX/XX/XXXX i was called 7 times between 1pm and 5:17pm!!! Its ridiculous! No voicemail is ever left, no emails are sent. I have asked them to please stop calling my phone repeatedly as I am a XXXX  in the ER, and having my phone ring this frequently interrupts my ability to care for my patients. Just since 7am today, I have been called 7 times. Please do something because this amount of calling is harassment and is interfering with my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
Last year our mortgage was sold to Midland Mortgage ( not our choice ). At some point we asked them about their assistance program to see if we could lower our monthly payments. They recommended we do a 3 month trial period where we pay a smaller mortgage ( was literally only {$200.00} less a month than we normally paid ) and at the end of this trial they would send us new terms to look over. Well NEVER did they mention to us that A ) this would be a HUD loan they would be trying to get us to do and B ) that this would affect our credit score. Obviously once this " trial period '' was over, we declined the new terms and said we were not comfortable doing a HUD loan. At this point we just had to pay the {$600.00} total that we were not paying during the 3 month trial to make the trial period over and we would go back to our normal terms. They ended up reporting to the credit bureau that during those 3 months we were delinquent. I have statements showing they requested a {$200.00} less a month payment and we paid what they requested. NEVER did they tell us ( not even AFTER we told them we did not want to proceed with the new terms after the trial period ) that this would affect our credit. I have called the company MULTIPLE times and talking to their customer service is HORRIBLE. They are rude, know nothing, and do not offer to help at all. Apparently there are no bosses or managers at their company when you ask to speak to someone above the customer service rep. I will at this point be fighting it on my actual credit score. We have had 5 different mortgage companies in the last 3 years due to our mortgage getting sold. Midland Mortgage is by far the worst company. I have never gone online and written a bad review about a company before until now. I would never give this company a dime of your money. They will take advantage of you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In XXXX of XXXX Chrysler Capital had my car repossessed. All of my belongings were in that vehicle. So I called later on that month to let the finance company know I would not be attempting to get the car back. At no point during the conversation was there any mention of where my belongings were. I called the office of the president to find that information out and they were not able to provide me any of that information. When I contacted Chrysler Capital again at  the beginning of XX/XX/XXXX, I was informed my belongings had been sent to a recovery company, XXXX XXXX XXXX and spoke with their claims manager. The claims manager informed me that after an investigation was done into the where abouts of my belongings, my belongings were discarded. The reason they were discarded was because the recovery company never received a personal property letter from Chrylser. When I reached out to Chrylser ( or  Santander, as it was interchangeable every time I talked to them ) I was told that it was not their responsibility that my items were lost even though they were supposed to send a personal property notice to the recovery company so that they would be able to reach out to me. I feel that Chrysler Capital is very much responsible for the loss of my property as they did not send the property notice to the recovery company as they had been instructed. My loss of property totaled close to {$1000.00} and therefore they owe me for what was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank did not apply my payments to the right account, then tried to charge me late fees for their error. Towards the end of the loan Fifth Third bank REFUSED to accept my payments, offering numerous excuses as to why : it was short {$0.00}, my payment was coming from a different account then previous, my husband wasn't on the account so they wouldn't allow him to make a payment, etc ... Once I got them to start accepting my payments again I was then informed they put the loan into a repo hold until I paid the loan in full, all the while still accepting my payments. I paid the loan off since I wasn't given any other option, only to have Fifth Third bank still send wreckers to get my vehicle! I called daily and Fifth Third would not accept my calls, seriously. When I would call I entered either my phone number, account or SSN when prompted and would get disconnected immediately. But I could get through if I entered as a 'guest ', and even then would still get 'disconnected ' when they would transfer me. I had to get my bank involved to demand Firth Third send the title.

I was living in fear, was bullied by this lending company!! One of the specific reps they would transfer me to would yell at me, laugh and tell me she didn't care if it was there fault, that Fifth Third WOULD repo my car even though I was making my payments and there was nothing I could do about it other than to pay the loan balance in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.

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 2019-05-29 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On or about XX/XX/2019 I received a phone call from the Branch Manager of the Citizen 's Bank who informed me that there was suspicious activity on the joint account that I share with my son who is a full-time student away from home. She asked if I was aware of several check deposits that had been made and indicated that the bank was aware of certain scams that ask for bank info when signing up for apps or loans over the internet. I was unfamiliar with these scams and had not recently attempted to sign up for a new app or credit card or apply for a loan. We called my son who also stated he was unaware of the recent deposits, had not signed up for a new app nor applied for a loan. The Branch Manager stated that copies of the fraudulent checks would be sent to me and that the account would be suspended while they investigated further. At no time did she direct me to call to make a fraud claim or indicate that the account was accruing fees. By XXXX, I was receiving letters from Citizen 's stating that the account was overdrawn by {$300.00} and that fees would continue to accrue until paid. Further, this account was referred to collections. When I tried to reach the Branch Manager again, I was told she no longer worked there. I met with the Interim Manager who called on-line services and told me that, even though the checks were not made out to me or written by me, I would be responsible for this debt because they were mobile deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Equifax data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc

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 2019-05-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I do not have dates all of the dates. But, I filed for bankruptcy and it was discharged in XXXX, XXXX. I filed a reaffirmation agreement for my car loan thru Santander Consumer USA, with the US Bankruptcy Court which was approved. I then had a financial burden in XXXX, Santander allowed me to not make payments for XXXX and XXXX, XXXX. Around this time I started shopping around to refinance the vehicle, but I was denied because the car isn't on my credit report. In late XXXX I attempted to have the car loan added to my credit report by contacting Santander. They said I needed to send a letter to the department that resolves credit related issues, so I sent a letter. XXXX i received a letter back from Santander stating nothing needs to be done. Then my sister was given a XXXX diagnosis and went on extended leave from work, so I am helping her pay bills. I am now two payments behind on my auto loan. I continued to check my credit report for the next month or so and it did not show up. XX/XX/XXXX I spoke with XXXX from Santander ( see attachment ) about refinancing and the issues I was having making the payments.I spoke with Santander on the phone on XX/XX/XXXX. The representative said she was opening a high level ticket with the credit resolution dept. She called me back and stated " The car loan will not be added to your credit report, because you filed bankruptcy '', so i asked " Was i advised of this when i reaffirmed the debt in bankruptcy? '' To which she responded " No information was sent to you pertaining to this. '' I then asked " Does Santander refinance '' to which the representative said " No ''. 

The crucial piece of information about the car payments not being reported to the credit bureaus after bankruptcy, now prohibits me from refinancing the 19 % percent interest rate to get the payment to a level I can afford. So now, if the car is repossessed, I will be in another difficult financial situation due to any amount that is due after they sell the car at auction. When if they had told me the car wouldn't be on my credit report, I would have forfeited it when I filed bankruptcy. 

This is an unethical business practice, if not criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: LA

Complaint narrative:
ON XX/XX/19 I disputed the XXXX  XXXX XXXX account with Transunion because the account contained two violations. I stated that the open date on this account was inaccurate. It is a collection account but it is reporting a past due balance which is also a violation. Transunion re-investigated the account and did not delete it per my request. They didnt even update it so clearly the account was never re-investigated. Transunion is in violation of the FCRA.

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 2019-05-29 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: OH

Complaint narrative:
There are accounts on my credit report that does not belong to me. I have reached out to each credit bureau several times via certified mail and have not received the proper responses timely and the accounts are still effecting my credit in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
sent ftc violation to XXXX and amex

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/2019 my husband and I selected and began the lease process for a XXXX XXXXXXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. We were told the lease had been approved, the dealership changed our auto insurance over to the new car, removed all of our property from the vehicle, removed toll stickers etc. 

I was told they had to simply verify my social security number and then the salesman would come over to put on new tags etc. We were told it was approved many times before and while we removed our belongings. 

Two days later we received calls that told us they were unable to approve the lease. My husband is devastated! We told our family and friends about the new vehicle. showed pictures etc as we were promised and guaranteed it was approved. We were told by the dealership that it was based on Infiniti Financial services decision and there was nothing they could do about it. 

We now have to return the car to them and take back our old car, change insurance over, get new toll stickers and security bar codes etc. 

This is unfair, we have no explanation other than they could not verify my social security number which is ridiculous. It is very easy to verify this and I offered to bring any and all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was scared and paid the settlement amount today on XX/XX/XXXX with XXXX XXXX XXXX XXXX, For the amount of XXXX on my card, They said i owed the back from XX/XX/XXXX XXXX and threaten to take a law suit out on my. They sent me a email to sign and sent me a confirmation for payment paid in full. There number is XXXX. I am so angry as i am seeing this is a scam to pay old debts and i don't remember having this with 5th third bank. I told the gentleman that i thought i had settled it with them as it was fraud and no one has contacted e and not on my credit report. He insisted they have contacted me at an address i lived in 8 plus years ago. I don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
HI. 
Dear CFPB.You did not solve the problem.You are keeping the side of mortgage company.In spite that i send 5 email they are unable to solve problem.I can not understand that you do not know the law.Property tax/assessment value/ in CT is set on per year, and can not be change in the middle of year.They change tax in the middle of the year.They ripp me off.I am asking you, what the next..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 we tried to use our credit card out of the country to find out it was closed. Called Capital One XX/XX/XXXX and was told that " I had called to request a new credit card, but could not provide all the information required, so it was requested by the called to be closed ''. I did not make any phone call for my account to be closed. Capital One closed my account because someone phoned in and could not provide all the security questions and requested to close the account. 

Without actually verifying that the person trying to close the account was the actual owner of the account, they closed it without any security checks or diligence on their part. 

Called back on XX/XX/2019 because the account had $ 150+ dollars in rewards earned, but they were unable to help. They also verified per. voice recordings that the person who called to close the account was indeed not me ( owner of the account ). 

Although there is fault in their security and fraud protection I am still penalized for their inability to protect their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Last Friday, XX/XX/XXXX I closed my checking account with Bank of America. This includes my safety deposit box as well, which I had been paid for annually on XX/XX/XXXX for {$85.00} dollars. I did ask for a prorated credit for the remaining time to XX/XX/XXXX. No prorated refund for the remaining 9 months of the year. I'm sure they will probably rent the safety deposit box and secure rental fees.

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 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at SYNCHRONY BANK to make purchases. 
This account now transferred to XXXX XXXX XXXX as a debt collector

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was informed by a auto dealership that my Trans Union Credit report stated my XXXX XXXX was reporting as a repossession and written off as a bad debt. The vehicle was not repossed and I was making payments on the vehicle. When I contacted the XXXX XXXX company they reported I was current, and had no idea why Trans Union would report that and not have me as current. This major error has played a great role in me being denied for credit, and negativity affecting my credit score. XXXX contacted Trans Union and supposedly this has been corrected. How can I be sure of that? Also this does not change the fact it had hurt my credit score majorly.I expect some type of reversal of my poor credit reporting. And want to know if I can take legal action against Trans Union for compensation.

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 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I took out a loan from Loan At Last for roughly {$500.00} almost a year ago ( I believe XX/XX/XXXX orXX/XX/2018) and have been getting $ XXXX taken out of my bank account every two weeks ever since. The interest on this loan is near or exceeds 800 % at this point which exceeds the usury limit for Massachusetts. I would like this company to stop pulling money out of my account and to refund me the interest I have been paying for almost a year now. I have had about $ XXXX in total taken out of my account for a {$500.00} loan. Please help

Company response to consumer: Closed with explanation