vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Return the lease on time but they refused to sell the car and put too many charges and fees, according to them do to my credit score the refused to sell the car or give me another lease which its fine but they put many fees ( fees for return the lease and not getting another ; fees for extra miles, fees for small scratches in the seat, fees for a scratch in the window, fees for re stock the car ) some many fees and refused to negotiate the miles and or to give me the option to purchase the car as it- They never provide for my a detail of the charges when I sow the charges in my credit report I contact them and ask for an explanation they only gave me verbal information about the charges but nothing in write!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/XXXX Opened the savings account with Discover Bank, with an opening deposit of XXXX dollars, money transferred from a XXXX checking account. 

XX/XX/XXXX Scheduled a fund transfer of XXXX from my XXXX checking account. At the time I had more than XXXX dollars in my account. I did not want this transfer to go through, so I purposely took out XXXX dollars from my checking account so the request will be rejected. 

XX/XX/XXXX In which XXXX dollars of the XXXX dollars that I took out of the XXXX checking account were sent to the Discover Bank savings account. 

XX/XX/XXXX Discover Bank subsequently closed the account as they suspected that there was fraudulent activity going on. 

After this I have called Discover Bank 4 times, most recently XX/XX/XXXX, first they told me to file a hold harmless agreement with XXXX, and then they told me that they could not disclose any information on where the funds were. 

I have also contacted XXXX but they did not receive any money from discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my Walmart Credit Account since XX/XX/XXXX. My account with Walmart/XXXX XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, Walmart and XXXX XXXX converted some accounts over to Capital One. Capital One subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, Capital One is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had Capital One not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If Capital One would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from Walmart XXXX XXXX -to-Walmart/Capital One, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have had my XXXX XXXX Account since XX/XX/XXXX. My account with XXXX/XXXX  XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, XXXX and XXXX XXXX  converted some accounts over to XXXX XXXX. XXXX XXXX subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, XXXX XXXX is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had XXXX XXXX not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If XXXX  XXXX would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from XXXX XXXX XXXX  -to-XXXX/XXXX  XXXX, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Suddenly today, XX/XX/2020, I had a hit to my credit report from a company for XXXX. The company is Jefferson Capital. I have never heard of them and never received a call or email or US mailing about this. I have no idea how to contact them. It states its from a previous phone account that discharged several years ago. I had no idea it could suddenly be owned by someone else and reported randomly without contacting me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have an inquiry on my report from XXXX XXXX  XXXX XXXX and Equifax Mortgage XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with XXXX. They wont even put in. Dispute or help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I currently am In a repayment program with PHH Mtg services. I have been trying to get in touch with PHH for 16 days now. I keep getting a message saying " Due to unforseen circumstances we are unable to take your call at this time. The one time I did get through I stayed on hold for 69 mins before it sounded like it was transferring to a person and hung up. I can not get on to their website because I currently am in a modification that Im not satified with. When you go onto their website it says " Please contact support, your account status is limiting you to certain information ''. This is unacceptable firstly because we started this process in XXXX XXXX. I made two payments, {$1400.00} and {$180.00}. which brought the total to {$1600.00}. The Mtg payment was {$1600.00}, I paid this because the customer service agent that I spoke to on XX/XX/XXXX told me that this is what I owed. In XXXX my Relationship counselor XXXX called me and told me that the modification was denied due to me making 2 payment instead of one and that I did not make the correct payment. I asked to speak to the supervisor of which I was not afforded the opportunity, instead they told me that they would give it to the research department for further research. The next information I got was a new modification that was {$200.00} more claiming that I had to take it because of the computer error, and that they couldn't reverse anything because everything is done by computer. I told them that I would be struggling to pay that but they said it was the only option I had. So made the first payment on XX/XX/XXXX, and have been trying to make the second payment everyday since XX/XX/XXXX. Today is the last day of the month to pay and I am still getting the error message that I have mentioned above. I do I take care of a situation that they wronged when ( 1 ) I have limited access to my mtg account and ( 2 ) they won't answer the phone. To make things worse, they are reporting that I have a balance of {$300000.00}, and that they have had my account since XXXX which by law under they FCRA they have to remove if they are erroneously reporting. Please help all I want to do is make my payment and also have my credit report corrected. Furthermore, this account was sold to this company with wrong information given, and when I requested what they have proving that I owe as much as they say I do they can't provide the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Innovis
State: NJ

Complaint narrative:
ftc violations attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from Chase dated XXXX XXXX stating that they will close all my accounts ( debit card with checking and saving account ), and 2 credit cards. I called customer service to find out the reason for closure but they refused to answer and said to go to the local office. I went there the next day and they refused to answer what was the reason. I was told to take my money off all my accounts before XX/XX/2020. I went to the other two offices to see if they can give me an answer of why my accounts are getting closed, but they refused to answer and added a note that if I come to the bank again, they will not talk to me any more. I didn't get any warning letters and was extremely careful with my accounts as I was in the process of buying a house I didn't make any big purchases, paid off my credit card and my 2 jobs were sending direct deposits to this account. In fact, I was a customer in Chase for over 10 years and never had any issues. As a result, of the described above events, my credit score dropped and the mortgage broker wasn't able to give me enough money to buy the house. Also, other banks refused to give me a credit card since my credit score was so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: NJ

Complaint narrative:
ftc violations attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XXXX of 2019, I closed my American Express account at the beginning of my account calendar year. I was fed up with constant fees - such as the annual and rewards program fee. We were very long time cardholders. 

After cancelling the card, the customer service rep said I was still obligated to pay for next year 's reward fee even though I cancelled the card prior to it restarting for the year - even though the card was cancelled before the new Reward Program period began. The representative found it funny that American Express intentionally charges the Rewards Program fee right before the annual fee. He said the fee was the cost of canceling. 

Im sure you will respond that the credit card agreement allows the charge for the fee however, the act of fraud is when a party intentionally acts to deceive. 

Charging the annual rewards prior to renewal is a dishonest act. 

I dont expect CFPB to resolve this matter in my favor- but hope with enough complaints you will finally act in the public 's interest and end this practice - this is FRAUD - the intentional act to defraud. They can send me a notice for payment until the end of time but you will never get a cent! I hope they keep wasting postage and collection fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter certified to Transunion, XXXX, and XXXX  disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. It has been over 30 days and Transunion, XXXX, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, and failing to provide proof of verification.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hi, I am writing to this institution to see if there are grounds for you guys to investigate XXXX XXXX ( XXXX ). 
I currently have a mortgage with this company and I called them for information on payment assistance as most of us have been hit with the financial pandemic and the information they gave me is that they can put a hold to the monthly payments for up to 6 months. Nevertheless, after that time they expect all the money in one single payment ( plus the extra month you'll be owing at the end of the period ). 
I believe XXXX is setting people for failure and also trying to take advantage of the consumers in times of need. Having said this, please let me know your input. 

Thanks, 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 2020-03-31 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am unable to manage the freeze or unfreeze my credit report with www.equifax.com. They provide a service called myEquifax.com. I have been unable to log into this service for several months. The myEquifax.com service does not allow me to log in, or allow me to reset my password. I also can not setup a new account. When I attempt to get help with the myEquifax.com service using the automated phone line, it disconnects me before I can get any help. The automated phone line asks me questions about my credit report and I answer these questions correctly, but it indicates that I did not and then hangs up. Note I had the same problem with XXXX, in order to unfreeze my credit required that I purchase an account with monthly payments in order to unfreeze my credit report. I believe the same thing is happening with Equifax. So these credit companies are not upholding their promise that consumers can manage their credit report freeze without paying them a monthly fee by " obstructing '' any path for consumers to use their free services. This seems to be a pattern of abuse for multiple credit bureaus to force me to purchase a credit monitoring service in order to view my credit report or managed a freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have an inquiry on my report from XXXX XXXX  XXXX XXXX and XXXX XXXX XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with TRANSUNION. They wont even put in. Dispute or help me with this matter

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 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I went into the furniture store on XX/XX/XXXX. The representative who assisted me with applying for the lease stated is was a 24 month term and any interest would only be applied to the remaining balance after the 90 days early payoff option. I was approved for {$2100.00} after paying a {$50.00} application fee. The lease amount was {$2200.00} ( Higher than the amount approved ) When applying no copy of the fees or contract were presented, I relied on the information that was being provided by the representative. I requested a copy be provided onsite and the representative stated it would be emailed to me immediately. I did not receive a copy of the agreement until the following day. The furniture store has a strict no refund and restocking fee policy which made it impossible to cancel my transaction after being funded for the lease. I called the store to ask about the fees that were in complete contradiction with what I was told. She assured me that it was a 24 month term and again the fees would only accrue on the remaining balance after the 90 day promotion rate. 
The balance owed on XX/XX/XXXX was only {$860.00}. I have paid {$1400.00} as of today XX/XX/XXXX. The balance now shown as an Early Payoff is {$1500.00}. I contacted Acima, the lender, to clarify on why it was double the previous balance. Attached if the saved transcript of the chat with the representative today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My monthly bill payment is setup for AutoPay through my bank checking account. My checking account was potentially exposed for Identity theft and bank advised me to freeze that checking account and open a new one. The bank also advised that any payment in process may not clear. 

Unfortunately, my Autopay payment was in process and did not clear. So, I called the credit card customer service explained them the situation with my frozen checking account, and made payment through my newly established checking account successfully. 

Credit card company continued to make additional attempts to withdraw funds as per the AutoPay setup from my frozen account. The company charged me for Return payment charges after two additional attempts post my payment on XX/XX/XXXX. 

I called the credit card customer service to credit the fees but the response was - it is a legitimate charge and can not be undone. 

It is incorrect to have automated system try to collect funds through AutoPay channel after the payment was posted through another channel. This is a bad customer experience and potential for double payments ( and these could be large sums ). 

As a courtesy, Credit Card customer representative gave me XXXX miles credit to my Delta skymiles account. I told him that I'd rather have the incorrect charge corrected and he provided me with Corp services US Mail address but without any SLA commitments. 

Thus, I am reaching out through this portal for just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I received a notice that my credit score had dropped. Checked and saw a debt collection from Sequium Asset Solutions for XXXX from a XXXX XXXX  account in NV. Turns out someone opened this account in my name and XXXX did not verify any of the information or have any proof I opened the account despite going in person to install it in NV. I have been trying for over a month to have the debt removed and it is impacting my credit. I have filled out a police report. I believe that XXXX is negligent in letting people set up accounts without any standard verification and then it is impossible to get the debt removed so if you need your credit fixed you end up paying it - even if it is a scam. This is extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation