vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 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: CREDIGY USA CORP.
State: CA

Complaint narrative:
Item is still showing on my credit report as negative information even though bankruptcy has been discharged since XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I started using XXXX XXXX and realized there is a secured credit card through Bank of America under my name being used. I have never applied or obtained such card and I have only had a secured credit card through XXXX XXXX in the past and it was paid and closed over 2 years ago. This card is being used and paid under my name and its not accurate. I have no such card or account. I tried submitting a complaint through XXXX but its asking me for an account number to the card which I have no knowledge of, or possession. Please help me investigate this matter or please advise what I should do. Thank you very much. 
Kind Regards, 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 2019-06-01 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Back in XX/XX/XXXX I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/ Misc. 

XXXX XX/XX/XXXXInquiry fromXX/XX/XXXX XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX Finance XX/XX/XXXXInquiry fromXX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/ XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/ Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive Americredit Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX   Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a XXXX XXXX Credit Card. He ran up the charges to {$1100.00} and now Cavalry Portfolio owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: WV

Complaint narrative:
A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a Discover Bank Credit Card. He ran up the charges to {$1100.00} and now XXXX XXXX owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My Chase Visa card XXXX had a fraudulent charge of {$190.00} from XXXX XXXX XXXX on XXXX-2019. I reported it to Chase and Chase falsely claimed to investigate the charge but refused to correct it. I paid the balance due and Chase closed the account. The merchant later corrected the fraudulent charge and credited the {$190.00} to my closed Visa account. The closed account now has a credit balance but Chase has not refunded the credit balance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been living in my residence for five years..I have explained to XXXX XXXX and Jefferson Capitol system that this is a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, i received {$84.00} in my paypal account from XXXX XXXX. i cant withdraw or transfer the money from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/19 TD Bank in XXXX XXXX NY took money from my social security ( SSI ) XXXX XXXX XXXX They took money to pay for overdraft fees I needed that s SSI check to pay rent for my son and I We now don't have enough money for rent I asked TD Bank to let me pay off the overdrafts in payments They said no Are they allowed to take a goverment issued check? 
Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
I have a private studet loan with Sallie Mae which I have always made on-time payments. Unfortunately, in XX/XX/2018 I had to leave my job and relocated to Virginia to take care of my elderly mother. I spoke with a Sallie Mae representative in XXXX in regards to me being unable to make my monthly payments at this time as I was unemployed and re-enrolling into school. The Sallie Mae representative told me I could only put my loans in deferment by paying {$150.00}, which I dont have, and that the payment would NOT be applied to the principle or interest of my loans. The representative also told me to go online and mail or email the paperwork stating I was back in school to defer my loan repayment. At the end of XXXX/early XXXX I printed the form off from their website emailed AND mailed it to them. It is now XXXX and they have yet to put my loans into deferment.Sallie Mae calls me mutiple times everyday, from sun up to sun down, requesting payment even after Ive asked them to stop calling. Ive asked that all contact be written either via email or mail, but have not received anything from them. Ive done what I was supposed to do as far as alerting Sallie Mae of my unemployment, school enrollment, and completing their required documentation. I am not sure what else I can do at this point. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Someone has my SS #. They are hacking into credit repair and changing my address with TU. I have a fraud alert set up! Thats how I caught it today.

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I went to BB $ T to open a secured credit card for {$500.00} and at the end my application got denied even though I have a checking account with them I am a victim of fraud from XXXX bank and that is a card that I never opened They are also not helping me and think I used it since someone made the account

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 2019-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, my wife, XXXX XXXX XXXX and myself, XXXX XXXX XXXX, reviewed our credit reports and noticed we both had a medical collection for a medical bill of {$310.00} from Credit Systems International , Inc. account # XXXX / # XXXX. My insurance company or myself makes payments for all procedures. We have never received a bill from the original creditor or from Credit Systems International , Inc. regarding this bill. We have never been given the opportunity to dispute and request validation prior to this agency placing this alleged trade line on our credit reports. 
On XX/XX/XXXX I, XXXX XXXX XXXX sent a certified letter ( Article number XXXX XXXX XXXX XXXX XXXX ) to the above company advising that their claim was disputed and validation was requested made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In this letter, I ask this company to provide me with the proper documentation ( validation ) that we owe this debt and gave them 30 days to respond to my request. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt this company says I owe. This certified letter was received and signed by an employee with the above company on XX/XX/XXXX, yet, I never did receive any validation or correspondence from them. 

On XX/XX/XXXX, I filed a complaint with the XXXX  XXXX XXXX ( XXXX   ) under complaint number XXXX. Based on this complaint, Credit Systems International , Inc. agreed to send validation and delete/remove this medical bill from our credit reports. 

After recently checking our credit reports, this company continues to report the same invalidated information to the credit bureau 's ( XXXX, XXXX and, XXXX ). Due to this fact, this medical collection mark on our credit reports is in violation of the Fair Debt Collection Practices Act. No validation proof has been sent to us by this company to prove this medical bill belongs to us or was never paid by my insurance company or myself. I have even called the original creditor who advised they did not show this account in their system. Also the original creditor that was listed on our XXXX credit reports is different than what is now listed on our XXXX credit reports. Both state the bill occurred in XX/XX/XXXX. 

I am requesting that all references to this medical collection bill ( account # XXXX / reference # XXXX / # XXXX ) be deleted and completely removed from our credit reports ( XXXX, XXXX and, XXXX ) and a copy of such deletions be sent to us via certified mail immediately. 

Filing this complaint again it my last course of action before I take legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I got a home loan from Wells Fargo to do a home repair work. This $ XXXX loan was introduced to me as an interest free loan from my vendor. I paid the installation amount religiously every month. On XX/XX/XXXX, I received a bill with a principal loan of {$3100.00} plus an interest of {$1900.00}. I called the lender right away and found out that the interest free term expired on XX/XX/3019. What I experienced was a conversation with a loan shark and not a legit financial institution. The terms for the unexpected interest was in fine print and theres not enough efforts in reminding consumers of the significant and compounded interest at the end of the loan term. When asking a supervisor for a fair amount to pay off the loan after only six days over the loan expiring date. I was treated with great disrespect. Although I paid off the principal loan amount of {$3100.00} on XX/XX/XXXX and asked to close the loan. On XX/XX/XXXX, I received another bill of {$1900.00} interest. Therefore, I am filing a complaint against Wells Fargo Home XXXX team and the ill designed products.

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been charging me approximately {$95.00} per month in interest on a Cash Rewards Signature Card. The original balance was {$5000.00} in various charges of which I have paid down to {$3500.00} in a rather short period of time by almost doubling my monthly payment ; however, the extra amount I pay each month is almost totally consumed in the interest charge. B of A also has reduced my available credit from {$5000.00} to {$3700.00} for no apparent reason other than, perhaps, Im making more than the minimum monthly payment which seems to be a sanction against me, again for no reason. When Ive called the bank on several occasions, all the rep can tell me is that the interest is being charged on a cash advance, which Ive never taken to my knowledge. If there was a cash advance in the earliest history of the account, it could not have been more than {$200.00} but Im pretty sure Ive never taken such cash advance. The account is approximately 2-3 years old and the $ XXXX monthly interest charge started from the beginning of the account. I feel this is usury which is a violation of fair credit protection law in California. If I were not paying more than the minimum payment my balance owed would have remained at {$5000.00} over the 2-3 years that I have had the account. That is a travesty!

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 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2019 I made a deposit at Bank of America and took XXXX back. The check I deposited was a Bank of America check my mom had written me. The next day I checked my account and they placed a hold on the check. I called the bank they said they could not help me or release the hold. This caused my sons daycare to be returned and additional fees. My mother also called the bank because they had taken the funds from her account and told her they could still hold the check from my account. I could understand if it was a check from another bank but it was their check they cleared it and would not release the hold so I could make my accounts current. Now I have incurred more 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 2019-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
on XX/XX/2019 Ditech Financial increased my Escrow payments based upon revaluation of my property ( ( mortgage increase from {$990.00} to $ 1,048/monthly ). 

I had already applied for and been approved for an exclusion on my property taxes, based on my age and income. My property value was decreased by almost half ( {$260000.00} to {$130000.00} )! I spoke with tax department people at Ditech and faxed them copies of revaluation papers received from county assessors office on XX/XX/2019. The purpose of the revaluation was specifically to keep this from occurring. 

Their excuse is $ amount of taxes is needed for corrective action. However, No One ( neither they not I ) know the dollar amount ; hasn't been released yet.Yet, you can guesstimate the increase based on original valuation?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: VA

Complaint narrative:
The problem is I will talk to someone at Regional acceptance and made payment and they will continuously keep calling. They call me up until XXXX at night. I asked them not to call me after XXXX because I am in bed and they said they have a right to call me up until XXXX XXXX. After I told them that continuously called me until XXXX with several back to calls. This at XXXX they started again with at least four calls in a matter of 2 minutes. I told them XXXX said she was my account Representative and they refused to listen. They call me from different phone numbers. I am getting interest everyday I am at XXXX for two car payments regional acceptance charges interest daily.

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 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NJ

Complaint narrative:
XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States.

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan 10th Judicial District Judicial Circuit in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( XXXX XXXX XXXX as assignee of XXXX XXXX XXXX ( XXXX ) XXXX for the past 10 years.

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Purchased 2 XXXX XXXX. Turned in vehicles no response for a few months. Then I get a bill, but it does not explain what are the charges for. So i contacted Hyundai and asked for a detail breakdown on charges. Told me to look at my contract. 1 bill says {$800.00} the other {$1500.00}. Then i never heard from them again until I started getting calls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States. 

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan XXXX XXXX XXXX XXXX XXXX in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA ) XXXX for the past 10 years. 

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.

Company response to consumer: Closed with non-monetary relief