vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2021 Citi lowered my credit limit on my card ( XXXX ) claiming that I had missed payments on my card. I called and opened a dispute as this is not the case. I have all my credit cards on auto payment and have not missed a payment, made any late payments or gone over any on my card limits in more than 7 years. 
What Citi did is the lowest of the low. My mother died on XX/XX/XXXX and they were paid in full an on time. I was diagnosed on with XXXX 2 weeks later and still paid my card on time and in full. I even paid my balance down {$2000.00} so my family had emergency funds in case anything happened while I was in the hospital during surgery. 
Citi then lowered the limit on my card to match my remaining balance and then claimed the credit to debt ratio was too high. What they forget to tell everyone is they MADE is that ration high with their dishonest and deceptive credit practices and the time of need.

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit and their attorney purchased a closed account from XXXX XXXX and parked it on my credit reports and reporting inaccurate status as opened and current as of 2019. When disputing it with bureaus they refuse to change their status. I also sent them a letter of judgement proof because I am only receiving social security XXXX and they have initiated a small claims court case. Also they have been collecting credit reports without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a secured credit card with Wells Fargo from XXXX to XXXX. Only recently did I find out that they were reporting on the 3 credit bureaus as if I currently had an account with them. 

I reached out to Wells Fargo on several occasions about this and each time I am told they have no record of me in their systems. 

On XX/XX/XXXX I wrote a letter and went into the branch to have it faxed. I also wanted to inquire on whether or not the funds from my secured credit card were returned to me. 

It is difficult for anyone to find out due to the fact that they can not find any record of me having an account with them. 

I do not owe Wells Fargo any money and closed the account on my own admission.

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 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from a local dealership. My loan was with Wells Fargo. At the time I signed loan paperwork, I was informed by the dealership, and by language in the loan paperwork itself, that I was obligated to maintain comprehensive and collision insurance on the vehicle. I asked the dealership for further details, ie, required amounts of coverage or deductables, and was told to contact Wells Fargo. 

On XX/XX/XXXX, I contacted Wells Fargo by phone with three inquiries -- was I required to maintain comprehensive and collision insurance on the vehicle under the terms of my loan agreement, if so, was I required to maintain a specific deductable or range of deductables, and finally, if there were any other forms of coverage I was obligated to carry. I was told for around and hour and a half, by a string of people that they could not answer those questions. Eventually I was directed to someone who informed me that it was no longer Wells Fargo 's policy to inquire as to insurance coverage, and that they did not purchase forced placed insurance if they did become aware that a loan customer did not have collision or comprehensive insurance. 

I asked for this in writing, as it seemed to contradict both what I was told, and the language of my loan agreement. I was told the only way i could obtain that was to write in by snail mail or to fax them a communication requesting that information. 

I might flatter myself by saying I'm a sophisticated consumer -- I'm an attorney, and reasonably educated and aware. I'm aware Wells Fargo recently settled a large class action suit related to their practices regarding forced placed insurance. 

Their behavior here seems like an attempt to hide what they are genuinely obliging their consumers to do by signing their loan documents, and then erecting hurdles to obtaining meaningful clarification. I'm sorry, it's XXXX. No one should be expected to write in by snail mail or fax.

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 2021-03-09 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Paying this company on time and they are still reporting me as 30 days late

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have an issue with the escrow account. I can not reach anyone at the servicing company. The phone tree does not allow a choice to speak to a person. I have left a number to call back on numerous occasions, but have never received a call back.

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 2021-03-09 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: PA

Complaint narrative:
On XX/XX/2021 they stated that the lender requested that my information be removed from there system. I then spoke with the lender in received email documentation stating that they did not do so. In they said they did not request the account to be deleted from the report. In transunion said that the only way to reinsert the account is for the lender to do so knowing. That the lender has closed the portal on XX/XX/2021 in no longer has access to do so enabling the process leaving me with no other alternative

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 my creditcard account was frozen due to suspicious activity on my account.The amount of activity was $ XXXX purchases made to my account, ( not my purchases ), The bank then added something called afunds transfer credit of {$2200.00}, to the account. Bank of America then put what they called a credit on my account of {$4000.00}, to be .. researched, .I immediately told everyone i was able to contact that this was not my bill and that my card may have been used and asked to talk to the fraud dept.I had multiple conversations with the many depts in Bank of america , each one sending me to anotherit finally turned out that the {$2200.00} ha was charged to me was not a part of the claim. Finally the claim amounted to {$2500.00} that i do not owe.I refered this claim to the XXXX XXXX XXXX on advice from a friend that had worked with the XXXX  and had seen that they could help my situation. Bank of America continues to send me letters that say they denied my claim to these debts, XXXX  sugested i contact you in 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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had seemingly resolved my past issue with Huntington Bank and their representative XXXX XXXX in XXXX, as we had communicated after my first complaint a few different times. On XX/XX/XXXX, XXXX called to tell me that credits were adjusted on my account and all money in my account was mine to use. To my surprise, on XX/XX/10 I recieved a 30 day overdrawn balance debit of {$780.00}, despite not being overdrawn, as well as two NSF fees. This is absolutely ridiculous and a disgusting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
The absolute worst mortgage servicing company we have ever worked with. Absolutely terrible customer service and completely dishonest. Borderline predatory on VA customers. 

Working with Lakeview XXXX, XXXX XXXX and XXXX XXXX did not respond to e-mails, or phone calls in a timely manner. This was for a VA Streamline refinance in which they reached out to us to initiate. 

Our mortgage closing date was delayed significantly, due to no response/contact after all documents were ready for closing, which caused us to incur late fees with our previous mortgage company, and when asked if should call XXXX XXXX XXXX, we were advised no. Speaking with XXXX XXXX XXXX they stated it is standard for loan officers to call or advise consumers to call and they would waive the fee. 

We asked approximately six times across both personnel to ensure our Escrow came back to us, via phone, e-mail and official documentation. On XXXX XXXX we spoke with XXXX directly to understand what the current delay was and ensure our election referencing the escrow was still in consideration and he assured us that our escrow would come back. 

We have documents from XXXX XXXX XXXX XXXX that stated that XXXX contacted XXXX XXXX XXXX on XXXX XXXX, the next day, and explicit asked for a second payoff letter TO INCLUDE the escrow in the payoff ( what we explicitly reminded him we did not want and he acknowledged the day before ). 

Further, the timeline from initiation to closing was completely unacceptable for a streamline refinance and was further compounded by the amount of phone calls and e-mails that went unanswered by XXXX XXXX. 

Post closing we sent 3 follow up emails to both personnel with a requested response and did not receive one. We will continue to submit complaints with all organizations to include the XXXX until we have a full break down of all 4 estimates we received and why our wishes were directly dismissed without any valid responses.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: AZ

Complaint narrative:
My loan was in default due to illness, We filed a Chapter XXXX in XXXX Bankruptcy Court and paid on the plan for 3 years, We were able to get a short term loan to Buyout the Chapter XXXX, When we received the payoff letter the mortgage company had added {$14000.00} in fees that we had never been invoiced for and were not included the bankruptcy proof of claim. i contacted the mortgage company by phone, also the lender contacted them and the title agency, They were unable to explain what the fees were for, They said they needed to be paid to stop the .sale of the property. The private lender that was helping us paid the fee, I also faxed a letter requesting a breakdown of the fees. 

I received no response to my letter so I mailed it in XXXX to their address for mortgage problems. In early XXXX, I received a letter telling me that they would have an answer within 30 days. i heard nothing back so mid XXXX I sent a 3rd letter demanding the return of these funds, Yesterday I received the same form letter I had received in XXXX saying that would look into it and resolve it in 30 days..This company is extremely dishonest .There is no way to contact them as they don't answer their phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MTR with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Affiliated Management Services
State: KS

Complaint narrative:
In the previous answer ( XXXX ) AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
XXXX, XXXX, and XXXX of 2020 I was unable to pay my credit card bill due to being laid off because of the corona virus pandemic. I wrote a letter to the credit card company explained my situation and asked them to remove the late payments on my credit report. They did not respond to my letter and didn't remove the late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CORELOGIC INC
State: UT

Complaint narrative:
I did not authorize a hard inquiry on XX/XX/2020 or XX/XX/2020.

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 2021-03-09 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: OH

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Alpha Recovery Corp
State: TX

Complaint narrative:
I have recently received two notices regarding medical bills that should have been paid by my insurance provider XXXX. I wish that the following agencies cease and desist in trying to collect on these debts as they are not valid : 1. XXXX 2. Alpha Recovery Corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late 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 2021-03-09 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: CA

Complaint narrative:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XX/XX/2018 payment was on time. Company acknowledged error over the phone and has never corrected.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Fradulent, unauthorized charges were made to my American Express credit card. I reported these charges to American Express in less than two days. They issued me a new credit card but have neglected to reverse the fraudulent charges.

American Express is in violation of the Federal Credit Card Fraud Law because this financial institution did not limit my liability to fraudulent activity as required by the law.

Company response to consumer: Closed with monetary relief