vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I currently have a loan with Lincoln Credit, for a XXXX XXXX XXXX. I purchased this vehicle used in XXXX. I got sick and was put on XXXX last year. I struggled to make payments. COVID hit, furthering our financial situation. Ive kept Ford/Lincoln Credit in the loop and they have allowed several extensions. I fell behind again in XXXX ( Missed 2 payments ). I received a 1st class letter from Ford, which was delivered 3 weeks late from the USPS, stating I must make a payment prior to XX/XX/XXXX, or my loan will be transferred? On XX/XX/XXXX, I attempted to make a phone payment, without success, then again online, without success. It seems my account was suspended and would not accept payments. I left spoke to a customer service rep and was told that someone would call me back ( which never happened ). On XX/XX/XXXX, I called again to finally reach someone in the correct department ( after being transferred many times and being on hold for almost an hour ). I was told the loan was charged off on XX/XX/XXXX. I explained my situation ... she originally requested the payoff amount to prevent repossession, however accepted the past due with late fees to prevent repossession. I feel that this is unfair because I was never properly informed that a charge off was upcoming. Due the USPS delays I was not timely notified. Please help!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Account opened at XXXX, and agreed on terms and interests, bank kept lowering interest without prior notice, when complained about losses they threatened to close the account. 

When making withdraws bank gave damaged bills and refused to exchange, gave hard time to give big denominations. 

Held direct deposit funds for a day or two without any explanation. 

Bank manager XXXX XXXX has retaliated when complained with her district manager XXXX XXXX, who claimed to be a director in the company, a unsigned letter was sent indicating they are closing the account. 

This is a result of my complaint against their employee XXXX XXXX. 

Upon looking a list of directors filed by XXXX XXXX  with the XXXX  and XXXX or XXXX, no director with such name in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I had interviewed for a role with an XXXX services firm, who was providing support for a XXXX  client. I would have been working on supporting a XXXX  environment and related applications. I was subject to several background checks, as well as a credit check. I noted on the authorization for the credit check that I am currently in dispute with my mortgage lender. 

I was told to provide a statement explaining my mortgage delinquency, as the company had a policy that any delinquency over {$5000.00} required manual review by one of the financial company executives. Despite having documentation to support my statement, I was verbally told several days later that I was ineligible for the job solely because of the delinquency, and I have not received anything in the way of an adverse action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
email stateing that im responsible for payi g owed amount in full when i am not responsible for these charges i was XXXX in county XXXX. While these charges took place upon my release i started reciveing theae emails saying i owed over {$3900.00} i am not responsible my debit card was stolen while i was i 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 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
ENHANCED RECOVERY COMPAN XXXX {$1000.00} past due on a collection fcra violation I HAVE DISPUTED THIS ACCOUNT A NUMBER OF TIMES AND IT STILL COMES BACK ON MY CREDIT REPORT AS VERIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems is repeatedly trying to collect a debt that it can not validate as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: DC

Complaint narrative:
XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, Transition, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.

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 2020-12-29 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: DC

Complaint narrative:
XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XXXX 2019. This data was sent to Equifax, XXXX, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXXCommenity Bank is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY VICTORIA SECRET I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my Victoria Secrect Account! 

I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RECOVERY XXXX {$420.00} past due on a collection account FCRA violation THIS ACCOUNT WAS DISPUTED A NUMBER OF TIMES AND STILL SHOWS VERIFIED ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had an account with Bank of America for over a dozen years. I did not use their credit card for several months because I received better rewards at another bank. But they decided to close my account without warning or notice. As it was my oldest account, the closure dramatically lowered my credit score, and the company took away the cash rewards that I had available. When I called to reinstate the account, customer service told me that all I could do was start a new account and lose all of my longevity and rewards.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Amerisave Mortgage Company took over 2 months to process a refinance. I was not getting responses at times from the loan originator or the processor. I've contacted them many times through e-mail, phone, voicemail, portal, and even once by fax with no response. During that process the rates had changed and I wanted to match what others had quoted me and the numbers for AmeriSave kept constantly changing. I eventually had to get an accountant involved and another lending company. 

On the day of closing the numbers were incorrect and we had to reclose again with a different ( higher ) rate than previously agreed. 

They also promised an online payment portal which does not exist. I am not able to track my mortgage at all except a bill I get once a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX My XXXX Husband was subject to XXXX discrimination at CHASE BANK XXXX XXXX XXXX Washington. XXXX XXXX, XXXX XXXX and I complained about this treatment. Extra identification asked for. Stalled deposit. Etc. 
XXXX. 
A VETERAN XXXX, had XXXX during pandemic. On XXXX  and needed power paid. He was CHASE customer too. I begged CHASE to help XXXX XXXX get his power paid and he wanted a headstone. Chase told XXXX police and adult protective services that we may have harmed or Killed veteran WE PAID to feed since XXXX. Falsely and With malice made up stories to have Police check on XXXX and investigate ALL our accounts. Which showed we didnt not take advantage of XXXX. XXXX told police that he wanted to transfer to my chase all his money. Im old school wanted check paid directly for two bills. I said NO to transferring me money. CHASE denied POA from me. Then AGAINST THE XXXX NURSES wishes CHASE and a neighbor set up to bring veteran XXXX XXXX into XXXX XXXX XXXX with XXXX and XXXX XXXX became joint Account. XXXX was on XXXX XXXX. XXXX  XXXX patches. XXXX XXXX XXXX. 
Our area was epicenter. Pandemic XXXX no immune system. Dangerous and wrong. XXXX and chase bounced care giver XXXX walls paychecks. XXXX took thousands from XXXX. We feel CHASE employees intentionally mislead police and XXXX about the ask for CHASE to work directly with XXXX via XXXX camera and I brought his debit card and expired license and veteran ID. XXXX ASKED me to show them video and ID to get them to help him. XXXX died 2 weeks ago CHASE cheated him out of his headstone and chase employees helped the veterans money to be accessed by a person who took thousands. 
CHASE bank seems to think this is all fun and games and they have the power and right to lie about customers. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
Us auto sales sold me a car that had a recall on it. When it broke down I could not afford to pay it and fix the vehicle so I had no Choice but to let it be repossessed. They got it in XXXX  XXXX. it was supposed to be sold in auction and I be notified of what it sold for and balance. Never received anything! Here it is XXXX and this company is still reporting on my report as if I still have the vehicle. I thought after 120 days a company has to report it as charged off on my report? Its not in charged off status on my report! Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO XXXX FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXXXXXX XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

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 2020-12-29 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: FL

Complaint narrative:
Hello, I became a victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. I do not know how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2020-12-29 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
An Paypal account showed up on my credit report that was not mine. Since I'm a paying member with XXXX through their " XXXX '' program, I called for assistance and was told to file a dispute, which I did on XX/XX/XXXX. Their reply on XX/XX/XXXX led me to believe that it was taken care of and that my credit report would be updated. This account continued to show up month after month and I continued to dispute this ( XXXX Report # XXXX ) until their last reply basically told me to stop disputing the same account as " your information has already been verified. '' I did everything I was instructed to do to help remove this account from my credit report and to stop the account all together. Meanwhile, I had been calling the company ( Synchrony ) to let them know as well. They would only allow me to stop the account even though I could provide them NO information, no account number, no purchases, nothing, AND they did not have my phone number or my email on file. They could only find it me in their records through my SSN, which XXXX flagged for me when all this started. So fast forward to XX/XX/XXXX and I've been served with a court ordered petition regarding this same account that I have been disputing since it showed up on my credit report back in XX/XX/XXXX. Yesterday XX/XX/XXXX, the XXXX rep that I spoke to filed a fraud claim for me and suggested I file a complaint through FTC.gov with then redirected me to this page.

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 non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that Equifax received my request on XXXX, XXXX XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXXXXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )

Company response to consumer: Closed with explanation