vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sent in a complaint several months ago, XXXX I believe, and got a response from you. Complaint number XXXX. Your response dated XX/XX/XXXX said I had 60 days from when 5/3 bank answered the complaint to give feedback. Today is XX/XX/XXXX and when I logged in to try to respond I can't click next, it says case is closed. I do want to provide feedback. The answer indicated I had no case because there was no bank error found. I never said it was a bank error. It was HUMAN error, as I was told I had more time to add the extra XXXX to my account to satisfy all the conditions to get the bonus money for opening the account. If you look at the timeline as to when I added the extra XXXX you will see it corresponds with my having been told I had 90 days. I understand that a shorter time frame is in the small print, but I was definitely TOLD I had XXXX, and just though that perhaps 5/3 bank was the sort of honorable institution that would honor what a customer had been told, even if the information was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
New car loan in XXXX. Low down payment, poor credit with co-sponsor, but needed car in order to work. $ XXXX/month! Was told that if I paid for two years, I could trade in and lower payments. Unable to do this due to late payments. Car valued at {$18000.00} brand new. In XXXX, talked with a dealership about trade and was told that I had already paid in over {$32000.00} at that time. Loan amount due at that time was {$24000.00}!!!!!! Unreal! He told me that a LOT of people were in for this predatorial lending! 

Spoke with creditor many times about lowering payment due to financial difficulties. I complained to them about this and it should be noted in my file! Could not file bankruptcy due to the impact it would would have on my co-sponsor. 

Lost my job in XX/XX/XXXX and could not get a XXXX position due to COVID. Had filed for unemployment for XXXX - XXXX but never received. Spoke with XXXX many times that I would try to make payments once I had received unemployment funds. Unemployment funds were not received until late XXXX but not covered by COVID funds. Car was picked up the first week of XXXX. 

My mom had heard on XXXX XXXX show that a class action suit had been filed. I am a prime candidate and hope I may be included in this suit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TX

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police report.

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 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: SC

Complaint narrative:
I have been a customer with Provident Funding for over 10 years and subscribe to autopay. I have never missed a payment. In XXXX, I tried to refinance my loan to save money and while the tentative refinance was authorized through the same mortgage lender, I decided not to incorporate the additional fees for closing. Instead I decided to add an additional {$500.00} for principal on the autopayment. Unfortunately Provident did not accept the auto payment as instructed and instead had reverted back to an older bank account which had not been used in 3 years. I just received notification via a spam blocked voicemail stating to contact them. Once I realized the payment didn't go through, I made the payment manually again and contacted them twice to remove the late fees. They refused to remove all late fees and other associated fees to the account stating that I was late in my payment and took no responsibility for making any changes or having XXXX glitches to their system. They encouraged me to file this complaint stating they have enough proof to show that I put the incorrect information back in the system -- -even though there is no possiblity of me doing so. The manager was XXXX while the other clerks were XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, FIRST HAWAIIAN BANK add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Colony Brands, Inc.
State: AL

Complaint narrative:
I WAS APROVE FOR A CREDIT ACCOUNT AT GINNY, S ON OR AROUND XX/XX/2020. I MADE AN ORDER OF HOUSE HOLD OBJECTE ... SHEETSET, OUTDOORS CANOPY, AND A FEW OTHER THINGS, WHICH TOTAL UP $ XXXX..FIRST PAYMENT WAS MADE ON XX/XX/2020 OF $ XXXX.THEY ONLY WANTED ME TO PAY {$25.00} A MONTH, I WANT TO JUST PAY A LITTLE MORE .I HAVE BEEN WORKING ON GETTING MY CREDIT IN ORDER, SO THIS WAS A WAY TO HELP ME.I MADE THAT PAYMENT ON MY XXXX XXXX CARD, MY SECOND PAYMENT WAS THREW XXXX XXXX ON XX/XX/2020 FOR $ XXXX..MY THIRD PAYMENT WAS ON XX/XX/2020.I HAVE BEEN RECEIVING BILLS FROM THEM STATING MY BILLS WAS LATE AND THEY DIDNT RECEIVE ANY PAYMENTS FROM ME, AND THE LAST PAYMENT OF {$50.00} THAT SENT IT BACK TO ME AND THEY PLACED MY ACCOUNT IN COLLECTIONS WHICH IS NOW ON MY CREDIT REPORT..CAN YOU HELP ME WITH THIS UNFAIR TREAMENT..I HAVE PROOF OF ALL PAYMENTS AND CHECK STUB FROM CHECK THEY SENT BACK ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XX/XX/XXXX CARD WAS TO BE OPENED IN MY NAME AND SENT TO ME AS A PROMOTION FOR PAYING OFF A DEBT WITH JEFFERSON CAPITAL LLC. 

I PAID OFF THE DEBT IN RECORD TIME AND SINCE THIS TIME I HAVE NEVER ACTUALLY HELD THIS CARD IN MY NAME. 

THEY HAVE BEEN SENDING ME DEMAND FOR PAYMENTS FOR MONTHS YET THEY ARE NOT EVEN CORRECTLY OR INCORRECTLY REPORTING THIS CARD ON MY CREDIT REPORT. 

I HAVE FILED REPORT AFTER REPORT OF THIS ACCOUNT NEVER BEING IN MY POSSESSION AND THEY REFUSE TO HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays will not remove the charge off remark from my credit report the account has been settled since XXXX, the settlement letter was offered to change the remark however none of the credit bureaus would accept the letter, I was instructed to get a letter from Barclays stating the account is settled however they say the account is with the XXXX XXXX I called XXXX they said the account is with XXXX XXXX XXXX, Barclays since XXXX someone how marked my account open back in XXXX the account has been closed since 2016 how could it reopen after all this time when Barclays states they do not have access to the account when I offered the receipt of payment and letter stating the account is settled they stated there is no fax and no way of updating it on there end. I have been disputing with the supporting documents and XXXX  keeps saying they do not see my upload, even XXXX XXXX upload feature keeps saying can not complete dispute temporarily unavailable, and XXXX  will not use the evidence provided No the remarks say " Charged off as bad debt Dispute resolved ; customer disagrees '' Please remove Barclay from my credit report Immediately this is my 5th dispute

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am very upset everytime I request a credit line increase their system declined me and they wont do a manual review on my credit Ive been a good customer but their system declined me for just one reason for one returned payment a long time ago this is ridiculous when I spoke to their underwriting department they told me ask customer service to submit for manual review but when I ask they wont listen to me such a frustrating process

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: LEXISNEXIS
State: PA

Complaint narrative:
There is a debtor on my Lexis-nexis report that belongs to my dad. We have the same name. 
" Debtor 3 XXXX XXXX XXXX XXXX '' Also I have no idea what Creditor 1 " XXXX XXXX '' is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: RI

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.

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 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: FL

Complaint narrative:
On XX/XX/2020 I recieved a letter from Sequium Assests Solutuions About and alleged dedt of {$42.00} from XXXX XXXX. I Immediately I responded and requested that send any and all information on this alleged debt disputing the debt and sent the letter with a return receipt from the postal service on the same day XX/XX/2020 To sequim disputing the alleged debt, requesting all and any information proof of the alleged debt, the creditor, proof that they are licensed to collect debts in our state etc. At that point it is illegal for them to put a derogatory report on my credit because responed within 30 days and I have never heard of this debt and they did not give me any information etc. I have attached the requested letter that I sent to them. I also contacted them and was hung up on twice. I file a dispute with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ; XXXX, Experian and XXXX, must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When COVID 19 hit this past spring, I signed up for CHASE to defer my mortgage payment 3 months. In that 3 months I still choose to pay the mortgage. Once things became a little harder and Covid wasnt going away, in XXXX I called Chase to extend the arrangement and see what other options were available. The automatic system immediately said it would enroll me in another 3 months, I spoke to a rep who explained in XXXX they would have other options, throwing on back end, repayment etc.. and to call back in XXXX. 

When I called in XXXX, ( I have not paid the Mortgage since XXXX ), I was told it could be extended again for another 3 months. 

During this 3 months - in the middle of XXXX, I received notification that my mortgage was changing hands that Chase sold their mortgage portfolio to another company and as of XXXX this new company would take over. 

I have not paid my mortgage since XXXX. 

I called the new company this week to see what they have as options and to learn alittle about them. It then dawned on me that if my mortgage payment wasnt being paid ... it was in a deferred ... what about my escrow ... my taxes and insurance. 

NOT ONCE did Chase inform me that as part of this process of being deferred that they would PAY my taxes/insurance. Their website in the very beginning was just a simple click to enroll ... no extra information ... This deferment, unknown to me, has now left my escrow NEGATIVE. 

The new company, stated that the negative escrow would be analyzed during the yearly escrow analysis and whatever i was negative would then increase my new mortgage payment. So for example .... if my escrow was XXXX and I didn't pay it for 5 months .... that would be XXXX i would be SHORT in my escrow and that would INCREASE my mortgage payment ... XXXX and the inability to pay that would then cause for possible foreclosure ... XXXX Instead of having me become late with the City/State/School taxes ... and having to owe them .... I would have to find a way to make up this missed escrow. 

NOT ONCE did chase have any disclosure that spoke about the escrow being paid out. Everyone stated they would have options to tack it on the back of the loan ... THAT WOULD JUST BE THE MORTGAGE PART ... not the escrow .... The escrow would be due with in the next year .... when the analysis would show the negative and force the payment to increase. 

This is HORRIBLE that no one explained this to people during this pandemic. Had I not asked questions I never would have known. Once these escrows are reviewed in 2021, EVERYONE who had a deferment will be in the same position ... a MUCH larger payment ... .. 

This was missed by not only Chase, but by other companies as well. This needs to be addressed. It is misleading, false, deceptive and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, my parents told me a letter for Chime was sent to their apartment in Oregon. It is a debit card activation kit with checking account number and routing number. I have never applied for a Chime account and I live in New York now. 
I am not sure if it is an identify theft who used my info to open this account or the company opened an account under my name without permissionits unusual that identity theft to open a checking account and send to my old address. 
I contacted Chime at the same day ( XX/XX/XXXX ) and asked them to close this account via email. They requested me to send my last 4 digits of SSN and image of a government ID. After they received these info from me, they said the account was blocked. But in order to formally close this unauthorized account, they needed me to send the front and back of my ID and a picture that I am holding my ID. I did send that right back but they never get back to me since then. 
I tried to contact them via phone, via email and social media a couple times on the XX/XX/XXXX and XX/XX/XXXX, but no one get back to me about this issue or reply to my request.

Company response to consumer: Closed with explanation