vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I got my van stolen. 
By then, I was 7 days late on my loan. 
I made a police report.I called Automotive credit Coorporation and let them know what had happened and I needed a forbearance since the van had my carpet cleaning equipment and was my source of making a living by using it to do my XXXX  and XXXX and XXXX XXXX  jobs. without it, I don't make money. im going through a hardship! 
Besides that, with this covid-19 pandemic, there's not a lot of jobs available I told them to wait until my insurance pays off the vehicle to them. 
With the money that I had, I had to pay my rent and bills. ACC resisted to help me, and sent me to collections. They won't work with me, plus they are reporting it to all credit bureaus, my credit score is going lower! 
On Friday the XXXX, I borrowed {$300.00} and gave them a payment. Im 64 days late and I still have a balance of XXXX with late payment fees. 
Im still not working. I even had to get rental assistance from XXXX XXXX XXXX XXXX. 
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 2020-11-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted documents for a 2nd mortgage to Discovery Home Loan.

After sending all my documents Discovery declined my application on the basis of my home value.

Why they pre-approved me without checking the home value and requested me to send all my paperwork?

The loan has been declined in the basis of my home value and I am upset because they could have check that prior to requesting my documents. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
I opened up this account on XXXX of 2019 however after 30 days capital one closed my account without notifying me and for no reason, when they closed the account they also stopped my automatic payment and denied me access to pay online whenever i called in to take care of the issue they told me their is no access to account,

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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX and back in 2013 my cousin fraudulent put a auto loan in my name without my consent and this auto is ruining my credit.. The car was given back to this company because I told her I will take her to court ... I have dealt with this company and it should not be listed on my credit report ... and wasnt even making the money in 2013 up until now to purchase a car loan so they lied about the income as well

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 2020-11-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
This is the third iteration of the same complaint. With complete disregard, and disrrespect for the wording of my XXXX XXXX XXXX XXXX XXXX which states '' the LENDER WAIVES THE REQUIREMENT FOR THE OWNER TO PAY FOR HAZARD INSURANCE '', where there exists a valid ASSN. CONDO MASTER POLICY, Celink has " force placed '' a hazard INSURANCE policy onto my account., My XXXX XXXX also addresses coverage for all improvements, thus negating the need to be itemized in the Master Policy as Mr XXXX XXXX suggests. Mr. XXXX 's recent response is invalid in that he cites anexpired XXXX XXXX XXXX. TheXXXX XXXX & XXXX XXXX Policy can be viewed by going to XXXX, and entering XXXX  XXXX XXXX  XXXX, XXXX [ as I explained on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Have called daily since XXXX and only one call back. The rep on the call back told me she would have to turn me over to the legal department. This involves a purchase from wal mart grocery that was canceled and the hold amount on this card was XXXX. Wal mart has provided the transaction info showing the amount presented to capital one and capital one refuses to process the transactions from wal mart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC
State: SD

Complaint narrative:
On XX/XX/2020 at about XXXX XXXX I received a text message from XXXX. The message stated it was from Glass Mountain Capital LLC and they were attempting to collect a debt. The message asked that I call them at XXXX. 

I do not have any outstanding debts nor have I done any business with this company. 

In reviewing their XXXX complaint history, it appears this company has a history of attempted fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My complaint is regarding Care Credit MasterCard. 

In XX/XX/2020 I received a promotional offer from them to have charges of {$200.00} or more interest free if paid off within twelve months. On XX/XX/2020, I placed a charge of {$200.00} on the card. My statement arrived, and it says a minimum of {$29.00} is due. This minimum payment amount makes it mandatory to pay the balance ( except for {$.00} ) in seven months.Therefore the twelve months interest free promotion is a deception. In fact, the promotional balance would not be effective for a charge under {$340.00}. This company is fraudulently representing the amount that needs to be charged to take advance of their " interest deferred '' promotional claim. 

Had I known of this deceptive practice, I could have put the charge on a better card and at least gotten points that I could use.

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 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to a wire fraud, we sent out two wires on XX/XX/2020 to SunTrust Bank at XXXX XXXX XXXX, California, Maryland totaling {$31000.00} - {$19000.00} from XXXX XXXX and {$12000.00} from XXXX XXXX XXXX. The money is still in the scammer 's account with SunTrust Bank and a hold has been placed on the account on XX/XX/2020. Our banks in XXXX XXXX, California contacted SunTrust Bank but they denied cooperating with them. They offered no explanation or assistance in resolving the problem.

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had two business cc accounts with chase which has never been reported to my personal credit report unfortunately due to XXXX  which I suffered through very severe I was late over sixty days and for the first time, they started to report it to my personal credit file which is now causing me damage while applying for a mortgage. As per the CARES act, Chase would've deferred the payment upon request however, I wasn't capable of reaching out to anyone at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Credit Plus Inc
State: CA

Complaint narrative:
Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX. XXXX my loan was paid off in full with the Dovenmuehle Mortgage, inc.. 
To date have not received the {$3000.00} plus escrow account balance. 
I have made several attempts to have this paid, much recently XX/XX/XXXX and XX/XX/XXXX. 
On both of these dates, I was told that there was an error with processing. Today i asked for a specific date that I could expect my refund, but was told that it had to be escalated. 

Also, on received a letter dated XX/XX/XXXX stating that my original inquiry is under review. 

Loan number : XXXX Research Dept. number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : Capital OneXXXX XXXX XXXX XXXX Capital One Auto FinXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} TRANSUNION AND XXXX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT 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 2020-11-16 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:
XXXXAR CU REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} XXXX  AND EQUIFAX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX  HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Titanium Funds
State: UT

Complaint narrative:
Re : Titanium XXXX Titanium is reporting a debt on my credit file that is not owed. I recently had my credit pulled and noticed this debt is still reporting a balance. I had previously disputed this with the company and never received any correspondence back which leads me to believe they did not receive it or they ignored it. This debt was paid off months ago but they haven't changed it and it's really affecting my credit. This is erroneous and needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: TN

Complaint narrative:
I recently obtained a copy my credit report SR & Association continues to violate my rights according to Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. I have accounts that I did not authorize. I have attached a copy of mhy FTC and ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WA

Complaint narrative:
Hello, My student loan is currently in default with XXXX. American Education Services is the loan servicer. 

I filed bankruptcy in XXXX. The full amount of the bankruptcy was paid in full in XX/XX/XXXX. 

I realize this is not customary, but the judge put my student loan in the bankruptcy. The total bankruptcy balance was paid in full in XX/XX/XXXX, but was not posted to my student loan account until XX/XX/XXXX. 

XXXX says I still have a balance of about {$5000.00}. The trustee in my bankruptcy case made all payments to my creditors. They said all I have to do is forward my bankruptcy information and it should clear this up. 

I continue to be harassed. My credit score is under 500. 

I contacted the Attorney General in Washington state. They contacted AES on my behalf, but they will not work with them. 

In addition, AES tacked on {$15000.00} onto my loan balance is XXXX. After completing some research, I don't think they could do that. 

My bankruptcy paperwork is attached. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I have contacted Bank of America now two months in a row. Since they did a system upgrade when I make a payment on my mortgage I am not being issued a statement. I receive my statements electronically to avoid issues in the mail. I am concerned as I pay more then the minimum and they have already screwed up my escrow account asking for a large deposit with weeks notice only to refund most in as it was an error on their end within weeks. My trust that my funds are being applied correctly has been effected and the long wait times to get a statement are then compounded with associates that cant figure it out and being transferred numerous times. Please help it should not be so hard to see that my payment is being handled properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-11-16 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : XXXX XXXX Santander Consumer UsaXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am trying to repair my credit. I signed on with Trans-union because it seems most of the lenders use these as primary source. I thought your credit reports were free if you used it once a month, accordingly I mistakenly signed on with them. When I tried to ascertain specially what my adverse issues were I was charged XXXX 2 times, I called and complained to the vender. They did not charge one of 2 items but refused to refund my 1st charge dated XX/XX/2020, i consider this and all the rest of them criminal in the actions. XXXX  is the same thing, I will be making a issue of it tomorrow.

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 2020-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened Bank of America Cash Reward credit card with the following offer : {$200.00} Online Bonus Offer after making at least {$1000.00} in purchases in the first 90 days of account opening. 

The credit card was shipped out on XX/XX/XXXX and was activated on XX/XX/XXXX It takes 10 business days to arrive via US mail.

I called BOFA customer service asking for my {$200.00} bonus offer and was told that I did not make {$1000.00} purchases up to XX/XX/XXXX ( I forgot when I actually applied for the card ) How can this be? I did not even receive the credit card until around XX/XX/XXXX and it took me 2 days from receipt to activate the card. 

At least give me 90 days to use the credit card from the time the credit card itself arrives. 
I had no way of making purchases on the same day that I applied as I did not physically have possession of the " approved '' card. 

I want BOFA to honor the {$200.00} promotional credit and calculate the total spending from XX/XX/XXXX to XX/XX/XXXX to be fair to an account holder. 
I should not be penalized by the number of days the card was in transit not being able to make purchases immediately. 

Thank You, 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 monetary relief
Consumer complaint received 2020-11-16 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: GA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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