vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
The lease for the vehicle ended on XX/XX/2020. In advance of that date XX/XX/2020 I sent a cashiers check foe {$19000.00} ( an amount given to me by Kia Motor Finance ) to Kia Motor Finance to purchase the car. They received the payment ( signed for it ) on XX/XX/XXXX and cashed the check 3 days later. I have not as yet received the title and whenever I call their customer service a recording says they are busy and to call back at a later time. Twice in over 30 attempts have I been able to talk to a person. The last time XX/XX/XXXX, I was told everything was in order and that person would contact the title department to forward the title to me. It is now the XXXX of XXXX and the title has not been received and I can not get through to customer service person to get an update. I leased the vehicle through XXXX XXXX XXXX in XXXX Washington however they have informed me they can not assist in this matter because it is between me and Kia Motor Finance. It seems unusual to me they can not assist in that they processed the lease with KMF and served as their agent when processing the lease. All I'm trying to do is get the title for which I paid {$19000.00}. My lease payment record with KMF is excellent. Any help you could provide would b greatly appreciated.

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 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have a FHA mortgage, the servicer is PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I requested a COVID-19 Forbearance on my mortgage, I was told that I was given a FEMA Forbearance plan. I requested an extension of the FEMA Forbearance plan by email on XX/XX/XXXX and was sent an email on XX/XX/XXXX denying my request for an extension of the FEMA Forbearance plan ( " Please be advised that the account does not qualify for the COVID19 Forbearance Plan due to the account status '' ) because of the status of the loan, and was told by PHH that my FEMA Forbearance plan would not be extended after XXXX XXXX. On XX/XX/2020 I emailed a request to PHH Mortgage to reconsider my request for FHA COVID-19 Forbearance because I have an FHA Mortgage and to reconsider my request for an extention. I was denied. I requested an email with the reason for their denial because based on SEC. 4022. FORECLOSURE MORATORIUM AND CONSUMER 5RIGHT TO REQUEST FORBEARANCE.

13 ( b ) FORBEARANCE. 14 ( 1 ) IN GENERAL.During the covered period, a 15borrower with a Federally backed mortgage loan ex-16periencing a financial hardship due, directly or indi-17rectly, to the COVID19 emergency may request 18forbearance on the Federally backed mortgage loan, 19regardless of delinquency status, It is my position that my request for FHACOVID-19 Forbearance should have been granted. 
Thank 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 explanation
Consumer complaint received 2020-09-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, my name is XXXX. To whom this may concern. XXXX   and Equifax deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My auto loan contract terms were broken by Wells Fargo during loan. 
My original loan XX/XX/15 was for XXXX. 
The 5.99 % APR for 5 years. My term includes 59 monthly payments of XXXX. 
My first month payment included a interest payment at over 9 % APR. 
There are periods my rate jumps to 10.99 %. 
Please see attached and explain why my payments were distributed to pay over the 5.99 % APR terms that are negotiated in my contract? 

MY PAYMENTS MADE TOWARD MY LOAN are described in transaction details as Late fee adjustments My PAYMENTS are distributed as refunds back to my loan as if they are being distributed directly from Wells Fargo. 

My terms were broken, false charges, Fraudent duplicate other charges with no description or cause.

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 2020-09-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy Court XXXX District of Illinois reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I  was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I have had multiple occasions where LakeView Loan servicing has lied to me and my colleagues in regard to providing us with the necessary documents to close on transactions. We've had the borrower call and authorize us on the account time and time again. They've provided me with false promises even though i follow their instructions. I was given a fake phone number to call and file a complaint. The managers refused to speak with me even though i waited on hold for over an hour. 

They will keep stating they do not have authorization on file even though I've sent it over multiple times weekly with confirmations back from them. I know they've received my requests each time. They are keeping us from fulfilling our end of the deal on transactions and it is hurting our business.

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 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
Two collection companies ( XXXX XXXX XXXX ; Commonwealth Financial Systems , Inc . ), have filed inaccurate and erroneous information with all three of the major credit bureaus ( XXXX XXXX, and XXXX  ) on my credit files. XXXX XXXX XXXX ( XXXX ) is no longer affiliated with my account, even though they claimed to have been a creditor and owned this debt for over two years. I believe that XXXX sold this account at some time between XXXX and XXXX of XXXX to Commonwealth Financial Services, Inc. 

In XXXX ( XXXX ), I wrote certified letters to the three major credit bureaus ( XXXX XXXX and XXXX ) to dispute the accuracy of two delinquent items that had been on my credit reports. One item was a credit card bill, and the other item was a medical bill. The credit card bill was quickly removed. The medical bill did not reappear back on my credit reports until XXXX ( XXXX ). The credit bureaus sent me a report stating that the debt appeared to be valid based upon their investigation. I then sent a certified letter to the collection agency Commonwealth Financial Systems , Inc. ( CFSI ) to validate this proposed debt, along with them sending me copies of the assignment contract, licensing information and any original documentation from the original creditor ( XXXX XXXX XXXX ). CFSI only provided its internal reference number, the original creditors name and address, an account number ( altered to disguise the actual number ), the service date, amount due ( inaccurate ), and the current creditor ( XXXX XXXX XXXX XXXX, XXXX ). CFSI also attached a billing statement of charges on the current creditors letterhead. I sent a second certified letter requesting that they sending me the other information that I had originally requested in my first letter, along with a billing statement from the original creditor. In CFSIs response letter, I received the same billing statement, absent the other information that I had originally requested. 

In XXXX ( XXXX ), I sent to CFSI a certified letter which also contained a billing document from the original creditor ( XXXX XXXX XXXX ). I highlighted the actual charges that was in dispute, along with the area of the statement which indicated the date and amount of payment that was made. The statement clearly shows that all services were paid on XX/XX/XXXX. 

In response, CFSI has reduced the amount owed on my credit reports from XXXX, to XXXX. The account continues to show a past due and seriously delinquent status on my credit files with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank sent me a credit card I did not request. A few weeks ago my computer was hacked which I report to FTC and the the hackers may have ordered the card? I don't know. I tried reaching Synchrony Bank online and by phone and was not successful. I have written a letter and will mail it tomorrow to cancel card as I didn't order it nor did I activate it but I believe there are charges on it that aren't mine.

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 2020-09-25 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: CBC Companies, Inc.
State: OH

Complaint narrative:
i was denied an apartment because of wrong information reported on my XXXX report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the green apartments XXXX and XXXX i spoke with the credit agency XXXX XXXX and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX   and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: AZ

Complaint narrative:
Hello, I have reached out to TransUnion on 3 different occasions to get my credit inquiry and 2 accounts removed from my credit report that do not belong to me.

I filed an identity theft report with the FTC ( FTC Report Number : XXXX ) XXXX. 
I forwarded this information along with a dispute letter to TransUnion and was told the accounts were verified. I included a copy of my ID and social security card to prove my identity as well. The 2 credit card accounts that are causing me a lot of problems are from XXXX and XXXX XXXX. Both have been closed and charged off on my credit report causing me serious credit issues. 

I just recently received another letter from TransUnion stating that inquires remain on my report for 2 years. In my letter I specifically asked them to provide verified information that I ( the consumer ) gave written permission for these inquiries. As stated in section 604 of the Fair Credit Reporting Act 15 U.S. Code 1681i.

TransUnion failed to provide this information and sent back a generic letter stating how long an inquiry should stay on the report.

In regard to the 2 credit card accounts Trans Union stated the information was indeed verified providing any type of proof on how these two accounts were verified and proof of my signature signed to authorize the use of these accounts. 

Creditor : Inquiry Date XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I signed up for a an offer through Chase bank for additional bonus points when signing up for the Sapphire Preferred card. This offer is for XXXX points rather than the standard XXXX. I applied through this link ( https : //creditcards.chase.com/XXXX   XXXX & XXXX & XXXX XXXX   XXXX ), which is still publicly available, and completed the application. Once approved, Chase applied the XXXX promo and not the advertised XXXX points. I have attempted to reach Chase by phone and secure message on multiple occasions and they have declined to match the advertised offer that I applied for, stating that they will not change it or address my questions any further. I was also sent a direct email targeting this offer ( https : //e.chase.comXXXX ) which was submitted and they still will not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My account manager was so rude. His name is XXXX. Every time he picked up the phone he was always huffy and puffy, literally answered like he was tired of being there. Ive only spoken to him 3x and EVERY single time I called he has always been so rude. He doesnt offer any solutions nor does he have any compassion, not asking for him to break the law- asking for him to care about the people he collects from seeing they he gets a piece of commission from the people that pay. Got ta get rid of this dude or do better at training- I would have paid in full a long time ago but XXXX ; the fact that I have to pay with him- knowing he gets commission off what I owe. Hope he enjoys it! Please reach out to XXXX from national credit system, super nice guy, definitely want to ask for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX the XXXX @ XXXX XXXX, I received a text notification informing me that there was an addition of a contact to my XXXX. Immediately, in fact so quickly that I suspect that this was all automated, they sent themselves {$1000.00}. I immediately began the process of cancelling XXXX on my account. Then I called the USAA, my bank, and reported the fraudulent charge. They began an investigation the same day ( XXXX XXXX ). I worked with them to secure my account again, and they led me to the fact that they had compromised my email due to the fact that they were allowed access via an emailed code. I never found said email, but did notice that there was suspicious activity on my email. I changed the password, and have not had problems since. Furthermore, I have two factor authentication enabled on my account, but primarily through text. To my knowledge most ways of logging in prompt USAA to send me a text message. I received no texted code from USAA any time near that transaction. I called today and was told by a representative that they had found me liable for the charge. She said the reason was for multiple returned deposits, and frankly that didn't make any sense. I have not had a returned deposit anytime this year. Furthermore, I hardly use XXXX, and have never had a XXXX deposit. I have only ever sent money, a grand total of 2 times. One was a year ago, and the other was a transfer the week before for {$45.00}. Either way, what do returned deposits have to do with a fraudulent XXXX transfer out of the account for XXXX. I asked her to clarify, she put me on hold, and seemed to end the call. I called again and spoke to a more knowledgeable representative. She told me that the investigation showed as finished, but there was no liability determination made just yet. She asked me to call back on Monday, and was generally more helpful. I looked at similar cases of this happening to others, and there seems to be a trend of banks finding the victims liable. I also read that XXXX is covered by regulation e protections from other victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/25 I received an email indicating my credit card at BOA was closed on XX/XX/25, without any advance notice. Additionally the same day of notice XX/XX/25 I could no longer sign into my account on the merchants website. 
Due to COVID19 I have not being using the credit as that would increase debit which has a high level of risk during the pandemic as we all have risk of job loss.

BOA decides to close the account for non-usage and now that will impact my credit report and my credit score. I pride myself to maintain XXXX debt and an exceptional credit score over XXXX. However, now Im at risk due to BOAs decision to close my 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 2020-09-25 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are 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 2020-09-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
i was denied an apartment because of wrong information reported on my XXXX  report and XXXX  credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX  XXXX and XXXX i spoke with the credit agency national credit and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...

Company response to consumer: Closed with explanation