vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I obtained possession of my car on XX/XX/19 I was told on XX/XX/19 that all I had to do was verify my phone number and the loan would be finalized so I called and did that then on XX/XX/19 I was told that the loan was not finalized and that other information needed to be submitted which I did submit then on XXXX I was told that there was a possibility that the car would be taken away and so I went and got a new car then on XX/XX/19 I was told this loan was finalized so I gave the other car back and managed not to have any negative reporting on my credit Ive been contacting the company Santander to have my loan re start to avoid my payments being reported late and it hasnt been possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed 4 accounts with Experian at least three times. The first time I disputed the accounts and Experian verified and the accounts remained despite inaccuracy. The second time I disputed the accounts and provided documentation and Experian corrected the balances to reflect 0 but failed to correct the account statuses. I disputed for a third time and provided the same documentation via an up load to the website for documentation and mailed in hard copies and they have verified the accounts again and Experian continues to report an incorrect status of 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 2019-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Online account information, User ID and Password, do not exist. 

I was told to register my account and create a User ID and Password.

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 2019-07-13 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: SD

Complaint narrative:
I received a letter from Capital One stating that my account has been restricted, that I can no longer use my card, and it will be closed due to inactivity after XX/XX/2019. The letter noted a rewards balance that could be redeemed before XX/XX/2019. I had not received any prior notifications that it was being contemplated by Capital One that my account would be subject to closure for inactivity. If I had received a fair notification I could have taken action to locate my card and use my account as I did not wish for my account to be closed. 

I called Capital One on XX/XX/2019 after receiving the letter which was dated XX/XX/2019. I requested my account remain open as I have an excellent credit rating, had misplaced my card, and had not received any indication/notification from Capital One that my account could be closed in the near future due to inactivity. 

The representative I spoke with would only offer to redeem my rewards balance. I requested to speak to a supervisor. The call was transferred to a customer loyalty rep who subsequently hung up on me. Another call was placed and escalated to a Senior Account Supervisor who refused to un-restrict my account so that I could use it. The supervisor would not provide any assistance regarding my account despite being told that I don't believe that I received proper and fair notice and that the practice Capital One had in place was also unfair from a cardholder perspective. I am requesting that the CFPB look into Capital One 's practices in this regard including notifications provided, service quality by Capital One 's reps and supervisors, and why a card holder who is credit worthy should be handled and treated in the manner described. 

A few points to add, the supervisor refused to provide an address to which a complaint could be submitted to Capital One by me, instead simply advising me to find it on the website. In addition, the supervisor made it clear to me that Capital One would not escalate a cardholder call past a supervisor to a manager or above. 

Thank you for allowing me to contact you on this matter. It in vital to have representation for consumers and I appreciate the CFPB for protecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We had a {$2800.00} promotional charge with Care Credit for my husband XXXX   XXXX for 24 months which we are making payment on it based on the Company 's  minimum payment plan with no problem. 
On XX/XX/2019 I used CareCredit card to pay for a {$180.00} to XXXX XXXX XXXX which was not promotional. 
On XX/XX/XXXX I paid CareCredit {$180.00} to payoff this non-promotional charge. I had already paid {$180.00} on XX/XX/XXXX for the promotional XXXX XXXX charge. 
What Synchrony Bank has done is credited the {$180.00} as the payment toward the combination of promotional and non-promotional and is charging interest rate of 29.99 %. So far I have been charged {$6.00} interest on this account. 
I should not have to pay this interest since I have paid the non-promotional charge in less than 30 days which no credit company charges interest if paid in that time. This is HWY rubbery when they give you a promotional credit, which is appreciated and they collect 13.5 % interest on it through the doctors. 
We need your help to fix this matter. People should be aware not to use the credit card if they have a promotional charge on it until such time they pay off that charge. Otherwise the credit card companies charge them unfair interest.

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 2019-07-13 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: PA

Complaint narrative:
TransUnion is the main problem of the three credit bureaus and I called them numerous time to fix the problem. They put a Suffix after my Last name and I am being bullied and harassed because that suggests that I am a male. I have never included that on any applications. I asked them to fix it but they downright don't do it. Many people asked me if I have a suffix in my name. I tell them no. Please I need help getting that fixed because it seems as though this is done deliberately. This is going to escalate to me having to file a lawsuit against the credit buraus for defamation of character

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 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Had An insurance claim during the hurricanes, Had everything repaired and within the time needed 90 days. M and T bank and insurance company had communication issues which caused a 2 month delay of transfer at no time. M and T had been taking Penalties From my escrow and charging me on my bill. Theft!

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
Equifax will not send me my credit report, as promised in XXXX of 2019. I re-requested my free credit report last week and Equifax will still not send it to me. I may have inherited a large sum of money and I need to see my Equifax report to see where the bank account is located.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I got several calls, all times of the day, weekends etc. For a person who is not me. 
Repeated attempts to let Wells Fargo know I am not that person, but there are still multiple people calling me from Wells Fargo. I dont know how to get them to stop calling, I am not 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 2019-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC
State: NC

Complaint narrative:
I got laid off from a previous employer and didnt have insurance. I am also a XXXX XXXX to XXXX daughters and havent had the money to pay off my medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover bank purchased my student loan from XXXX. I have been trying to get a Truth In Disclosure document from the bank. I have been given the run around by saying that they need to wait for documents from XXXX. My initial call was in XX/XX/XXXX and I have been calling them to check my status since and I have been getting the same answer ever since. I am trying to refinance my loan and I need this document to do it. This is a severe impediment and I am losing money because the interest rates are going up and I am at a loss at what to do here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I lived at XXXX XXXX XXXX for 11 years from XXXX to XXXX paying rent as agreed. A portion of my rent ( 30 % ) was subsidized by XXXX XXXX XXXX XXXX XXXX ( section 8 ) who inspects the houses to make sure they are up to the Public Housing Agency ( PHA ) standards. 
After living here for 11 years and in order for me to continue living there, the ( PHA ) Housing Agent in charge of inspections requested that due to wear and tear, certain items needed replacement, a new carpet, new refrigerator and replacement of certain parts of the kitchen counter. XXXX XXXX XXXX administrator agreed to the replacements but then tried to charge me for the cost of these items. After many attempts for them to remove the charges, I seek legal aid and the resolution by the Judge was dismissal of all charges liberating me from the debt. After the judgement I did not renew the lease and moved out. 
Now that I am trying to rent or buy my own place, realized that XXXX XXXX filed an eviction complaint against me when I had already left the apartment per contract and on the date I was supposed to leave.This appears on my credit report as an eviction and as if I owe them for something I don't even know what it is. I believe this was in retaliation for the judgement in my favor. 
In the court documents attached please notice the date of the ruling from the judge in my favor is XX/XX/XXXX and the final judgment for possession is XX/XX/XXXX. 
I moved out XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: LA

Complaint narrative:
I couldnt fill out the loan repayment change request form because i am on my cellphone. I would like to lower my monthly payments. My monthly income is {$350.00} & i have other expenses like phone & other utilities that wont allow me to be able to pay {$50.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Complaint to the representative about my credit score. She refer to herself as XXXX. 
She could not give me an answer why my credit score was lower. 
The information was not updated as well some of the inquiries were not correct and one of the credit card balance was not updated. 
I ask if i could cancel my subscription just before one month since say she will cancel my service right away. I told her not to cancel immediately and wait until this month was finish. She could not meet my request so I told her I will cancel the subscription later. However, she told me this was a trial period and she would charge me full price of {$19.00} immediately if I do not cancel this subscription. However the website say the first month was a discounted rate at XXXX and did not mention that this was a trial period before the first month end. 
She also accuse me that I was upset about my credit score which in part I was. 
However, I was more upset on the her service that she wanted to charge me more than I signed up for. I could not talk to a supervisor because there was no one available until Monday. 
I ask to cancel my subscription and express my unhappiness about her services. 

Incident occurred on Saturday XX/XX/2019 around XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a credit card settlement payment to synchrony bank/technet between XX/XX/19 and XX/XX/19 in the amount of {$540.00} which cleared my account on XX/XX/19. XXXX XXXX is still reporting this item as delinquent on my credit report and continuously makes harassing phone calls and sends harassing letters saying I still owe the debt and stating that the settlement payment I made was just a payment on the account which is completely false. I've asked them several times to review the recording of the phone call I made to them between XX/XX/19 and XX/XX/19 in which I was advised by the representative that the payment I was making, was a settlement payment. I will not be paying on a debt that I already settled and would like for them to stop calling and emailing me and sending me letters stating I owe a debt that I do not and to stop reporting this debt as delinquent on my credit report as its negatively affecting my credit score.

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 2019-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I called Comenity Bank US customer service to inquire why I am being charged two different APRs to the balance of my Comenity Bank XXXX XXXX and XXXX 's credit cards, and why both interest rates are so high ; APR on purchases before XX/XX/XXXX is 27.2400 % ; " new '' APR is 29.2400 %. 

On XX/XX/XXXX the balance of my Comenity Bank XXXX 's card was {$950.00} w/minimum payment due {$45.00}. 
As of XX/XX/XXXX my current balance is {$450.00} - a difference of {$500.00} On XX/XX/XXXX the balance of my Comenity Bank XXXX XXXX card was {$1400.00} w/mimimum payment due {$70.00} As of XX/XX/XXXX my current balance is {$500.00} - a difference of {$940.00}. 

It should also be noted that I have two other Comenity Bank Cards which I have paid in full. 

The XX/XX/XXXX balance of my Comenity Bank XXXX XXXX card was {$1000.00} - Current balance XXXX I paid the balance of my Comenity Bank XXXX XXXX card in XXXX in XXXX of XXXX. 

I have NEVER been 60 days late on a payment for any of my Comenity Bank credit cards. I asked if my interest rate could be lowered as I have a decent credit score ( XXXX currently ) AND my accounts have always been in good standing. I have also substantially lowered my credit card balances since the beginning of XXXX. 

The representative told me Comenity has raised APR interest rates for all products and the interest rate could NOT be lowered. The representative stated she did not know why the APR interest rates were increased, nor could she fully explain how the interest rate application was applied to account purchases. She stated the " computers ' track the purchase history and split the interest payments accordingly. 

The representative advised I pay all credit card balances in full within the billing period to avoid interest charges. But offered no other solution to lower my APR interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Dealership had towed the car back and working with Ally to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, Ally reported the XXXX that the payment was late 30 days.

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 2019-07-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dealership had towed the car back and working with XXXX to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, XXXX reported the Experian that the payment was late 30 days.

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 2019-07-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dealership had towed the car back and working with XXXX  to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, XXXX reported the Experian that the payment was late 30 days.

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 2019-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INCI C SYSTEM INC ( debt collector ) XXXX XXXX XXXX XXXX XXXX ( physician 's practice ) XXXX XXXX XXXX SXXXX XXXX, MN XXXX ( XXXX ) XXXX This company ( I.C. System has repeatedly tried to collect the wrong amount form me and has falsely billed me as well as reported this to the credit bureau ). They are rude, unethical, have unprofessional billing practices, and aren't willing to discuss matters necessary to resolve the issue. I have disputed and the correct balance has been paid in full directly to the physician 's office.

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 2019-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
On XXXX @ XXXX XXXX, I contacted Professional Credit Services. I spoke to XXXX and XXXX that day. I communicated that I wished to make payment of {$760.00} which is what all three credit bureaus show I owe even though I believe this debt is not valid. I was told I owe {$3800.00} and they would only agree to a settlement of {$1800.00}. I declined this as a resolution since the amount they claim I owe is different from whats being reported on my credit reports from XXXX, XXXX, and XXXX. I paid cash for my visit to this hospital and believe this is an error in billing but was willing to pay the {$760.00} because the collection is causing me financial harm. 

On XXXX at XXXX XXXX, I called Professional Credit Services and once again I asked for XXXX and was then directed to a gentleman whom I'm sorry I don't have his name. They had supplied me with the ref their end of XXXX. This was a drawn-out conversation as once again the whole subject was discussed and that's when I was told the {$1800.00} was now incorrect and that there was no way anything would be reduced and I owed {$3800.00}. Now, theyve changed the amount twice each time Ive called and the credit bureaus are still reporting that I owe {$760.00}. Again, I believe this collection is a mistake to begin with but was willing to pay what the credit reports showed I owe because it was causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: NC

Complaint narrative:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.

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