vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
I started a repayment plan in XX/XX/2019, rather than {$1800.00} a month, I was to pay {$2700.00} ( and change ) each month ... I have been on time with my payments except just recently I had a payment due on XX/XX/XXXX. I had called multiple times, sat on hold for collectively over 6 hours, I reached out my personal lender, and I even send a message through my online portal. Not ONCE was I sent a response or given a call. They are now saying I broke my repayment plan and therefore needed to put {$2700.00} down and repay {$2300.00} a month for the next 6 months. This is absurd and seems like theft considering I was on my LAST {$2700.00} payment and they were to go back down to {$1800.00} a month ... I was intentionally ignored and I  wasn't ever provided any help or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX I was contacted by a collections agency regarding a delinquent debt with XXXX XXXX around {$110.00}. I told them I did not have any outstanding debts with XXXX and they had the wrong person. I followed up directly with XXXX XXXX, my cellphone provider, and XXXX XXXX validated that my account " has always been in good standing. '' Monday XX/XX/XXXX, at XXXX EST, I was contacted by " Jefferson Capital Systems '' headquartered in XXXX XXXX, Minnesota again on my personal cellphone number. The representatives name was XXXX and he was in calling from XXXX, XXXX. 
XXXX was collecting an outstanding debt as a result of a delinquent account held by XXXX XXXX in the amount around {$110.00}. 
I insisted that this was not my debt, stated I already told them the last representative this in XX/XX/XXXX, I had previously called XXXX to make certain my account was in good standing, and " Jefferson Capital Systems must stop calling me concerning an outstanding this debt with XXXX. '' XXXX pressed me to validate my date of birth and last four of my Social Security Numbers. I refused three times because I am not legally required tto do this, he is a stranger, and this debt collection is illegitimate & not mine. 
XXXX said he would read the last four Social Security numbers of the person responsible for the debt. 
I said that is illegal for him to do. I do not want to know their social security numbers, and I want nothing to do with this. I told him stop calling me. 
XXXX then said the only way the calling can stop is for him to read the last four social security numbers aloud to me and I had to say whether they were mine or not. If not mine, then and only then, I would stop receiving debt collection calls from " Jefferson Capital Systems concerning outstanding this debt with XXXX. '' I reluctantly agreed. XXXX  read out loud the last four Social Security Numbers. 
I stated : " No. Those are NOT my last four Social Security numbers and you must stop calling me. '' He agreed to stop calling me. I said I was reporting this to the CFPB and he said " XXXX you're taking this too far. '' Call ended. 
Phone number from : XXXX Phone callback number ( per XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I have numerous times requested some sort of payment arrangement or payment extension to bring my past due loan current and my wife and I are continuously misled. I was unexpectedly off work due to some XXXX  I needed and fell behind on my loan. In XXXX I was told my car would be up for repossession unless I made a payment of {$350.00}. I was told if I made that payment that I would be able to get an extension. On XX/XX/XXXX I made that payment. When I tried to get an extension I was denied. Then in XXXX I was again told that my car was up for repossession and if I didn't pay {$290.00} by XX/XX/XXXX that it would be repossessed but if I made that payment I would be eligible for an extension. I made the {$290.00} payment on XX/XX/XXXX. No extension allowed. Now here we are, me being told that if I don't make a payment by XXXX my car will be up for repossession. Every time my wife speaks to someone from this company they promise her an extension if she just makes one more payment, one more payment. Well we've made XXXX, XXXX, and XXXX and no extension is available. We are past due {$1000.00} and trying to dig ourselves out but all Bridgecrest wants is to squeeze one more payment, one more payment, before actually helping us at all. 

My wife handles these things for me as I am hearing impaired and without the device that allows me to communicate effectively by phone. However if bridgecrest would like to reach out to me directly I can be e-mailed at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}

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 2020-02-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}

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 2020-02-24 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: MI

Complaint narrative:
I previously submit a complaint about my early lease termination with XXXX XXXX XXXX. My complaint seemed to be resolved and I was told on XX/XX/XXXX that I basically do not have anything else they can possible bill me for. On XX/XX/XXXX, I had a XXXX dealership contact Kia finance to get my remaining payoff balance. My salesman asked Kia Finance for ALL fees, all balances so that way it can be rolled into my new XXXX lease. They gave them a pay off balance of {$2600.00}. XXXX paid that balance. Fast forward to XX/XX/XXXX, I received a bill in the mail for {$360.00} from Kia finance. I called Kia Finance and they told me my remaining balance was {$3000.00} so I am paying the difference of {$360.00}. XXXX specifically asked for ALL fees, ALL remaining balances so why am I stuck with an early termination fee? After contacting Kia finance, this was not resolved and I was told it would be easier to discuss the fee with my XXXX salesman. I called my salesman at XXXX and he had no problem calling Kia to sort this issue out as I should not have ANY bill from Kia finance. Thankfully, Kia finance records calls for quality assurance but when requested by my XXXX salesman for the call to be pulled to show Kia finance that he specifically asked for ALL FEES AND ALL BALANCES, Kia finance said they are not able to pull the call but a manager can do a manager will be in contact with one of us. I have not received a phone call. My salesman has not received a phone call. To my knowledge, I still have a {$360.00} bill from Kia that I absolutely will not pay until that phone call is pulled for proof that they were supposed to give this balance to XXXX. I can not believe the amount of XXXX I have had to deal with during my first lease with Kia. My  salesman from XXXX is completely baffled at this company. The only way this will be resolved is if Kia pulls that call and hears that my XXXX salesman asked for all balances and Kia did not provide him with this random fee. Im not paying it and neither is XXXX so hopefully Kia finance can figure it out amongst themselves.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I tried to unfreeze my credit report on Experian. I went on their website and entered my PIN but the form did not recognize the PIN, so I selected another option to answer questions. After answering the questions, the website said I made errors and so I was not able to unfreeze my credit online or by phone ( I tried doing it by phone but I got the same PIN error message ). I tried again the next day XX/XX/2020 and got a notice on their website that they are having technical difficulties. I tried calling Experian to no avail -- they only have automated answering robots that do not help my case. The only option they are giving me from my online account is to send them documentation by mail, including utility bills, a copy of my driver 's license and social security card. I do not want to compromise my identity by sending all of this information by mail. I believe this is not a fair practice as it is not my fault that their website is having technical difficulties.

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 2020-02-24 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Received an email from paypal indicated that I made a purchase in Texas for XXXX XXXX XXXX which I did not. 
Found out that someone had applied for a loan and were approved for a loan on my Paypal account and were making charges in Texas and XXXX. 
Was then completely locked out of my paypal account instantly. 

Called back from XXXX Told the only way to resolve the charges was to purchase XXXX XXXX cards for all 3 of the fraud transactions on the account to verify my location was actually in colorado. I received a text confirmation that they would be crediting my account for the gift cards purchased which never came through. 

They asked for more gift cards for the XXXX charges. and when I challenged them on this, they instantly disconnected the call each time. I am just an idiot for getting a gift card to begin with.

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 2020-02-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN

Complaint narrative:
Recently when I applied for a Line of Credit with XXXX XXXX XXXX I was informed that I have a collection for {$3400.00} on my name for a lease some one signed at XXXX XXXX  XXXX XXXX. The lease was signed by a person named XXXX XXXX and has a name of XXXX XXXX as Guarantor. I do not even know any of these names and did not sign any lease for anyone. Even when I got a copy of the lease there is no mention of my name or anywhere I signed. 
I have told the company to correct the mistake on their side but nothing has been done yet. This is impacting my ability to get my loan refinanced. 
Creditor- XXXX  XXXX XXXX XXXX  in XXXX and the debt collector is IQ Data International Inc , XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

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 2020-02-24 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: FL

Complaint narrative:
XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.

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 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase fraudulently withdrew funds from my XXXX  checking account during an ATM transaction knowing that the machine would not dispense the cash to me, and now I am having to fight both banks to get my money back. 

XX/XX/2020 at XXXX XXXX  A Chase ATM withdrew {$400.00} ( plus {$3.00} fee ) cash from my checking account at XXXX. 

{$400.00} for cash, which was not dispensed. 
{$3.00} was for the service of dispensing that cash. A service that was not performed. 

The receipt from the ATM says " We aren't able to give cash right now. Please call us at XXXX XXXX XXXX. '' It shows {$400.00} taken from my account. Proving the machine knew what had happened and took the money from my account anyway. This is not a technical error, glitch, or bug. The machine was programmed to perform these operations in this order for the benefit of the bank and not the consumer. 

XXXX XXXX  I called the number and the Chase representative said they couldn't verify the transaction and I needed to call XXXX. 

XXXX XXXX  I doubted that the money was actually taken from my account, so I tried a different ATM. The transaction was denied because " You've reached your transaction limit. '' This is when I checked my bank account and confirmed that the funds had been taken. 

XXXX I called XXXX and they said I should call Chase. When I said I had already done that, they offered to cancel my card and said I should call member services on Monday during working hours. I asked them to remove the transaction limit and they did not. They took my number to have a supervisor call me. No one called. 

I called Chase again. Chase said this was a known issue and that filing a fraud dispute was the process they expected ATM customers to follow. They did not apologize or do anything to return the stolen funds. 

Monday XX/XX/2020 XXXX XXXX  I visited my XXXX branch. XXXX told me I should call Chase. I told them I had. After explaining the situation and showing the receipts, they said they would put 'provisional ' funds back in my account within 3 days in the amount of {$400.00}. They would file a dispute with Chase and give Chase 45 to 90 days to conduct an investigation. 

No ATM should be programmed to draw funds without dispensing cash. The process to recover funds is deliberately difficult, wholly unnecessary, and only benefits the institution that wrongly took the money. 

This is not an isolated incident. The first person I talked to about it ( a neighbor ) said the same thing had happened to them with the same bank and ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My problem began with Transunion Credit reporting that someone there was a " inquiry '' on my credit report. Since I had not authorized or requested credit I knew this to be false and no one was every authorized to pull my credit. Trying to fix the problem is a headache. 1 ) I was able after several trys and misleading information on Transunion 's web page to get a copy of my credit report and have spent time trying to file an investigation with transunion. 2 ) I was able to pull up my past inquiries without a problem to see what investigations I have pending ( none ) 3 ) I wished to start an investigation and as it states on their web page ; telling me to click on the link above if I wish to start a new investigation. Here lies the problem- there is no link to click on so their is no way to start an investigation to this illegal activity.

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 2020-02-24 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: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I have received 2 phone calls and emails from McCarthy, Burgess & Wolff , Inc., phone number ( XXXX ) XXXX, individuals name is XXXX XXXX. I've returned the calls twice, the first time I instructed Ms. XXXX not to communicate with me and I refused to provide her with any personal information. The second time was today, XX/XX/2020 at approximately XXXX when it became obvious that she was able to identify me via unknown means. I have also received 2 emails from her claiming that I/we owe XXXX XXXX {$300.00}, she either could not, or would not, identify what it was we allegedly owe XXXX XXXX for. She refused to listen to me and repeatedly screamed and yelled a me as I was attempting to explain that we owe no one nothing. I freely admit that I screamed right back at her. She ended the first phone call when I refused to give her my name and ( I assume ) personal information. I ended the second phone call by explaining to her that I would " see her in court ''. I then replied to one of their emails demanding that they " cease and desist '' from all communication with me and/or anyone associated with XXXX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation