vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made a purchase at XXXX XXXX in XXXX XXXX, IL on XX/XX/. I was asked to apply for a credit card. To my surprise my old credit card was no longer valid. I was in the store nearly two hours waiting. The result ended in no response because their system was not functioning. I paid for my items and left the store. I was in the store from approximately XXXX to XXXX XXXX. 

I did not hear anymore from XXXX XXXX. I checked my credit report with XXXX XXXX XX/XX/. I noticed a credit inquiry dated XX/XX/XXXX  ( XXXX XXXX ). I contacted XXXX XXXX regarding this hard inquiry late XXXX XX/XX/. The female representative was very rude. She told me that I had been rejected for a credit card. She could not provide a reason. She also could not tell me when this rejection was approved. I contacted XXXX  XXXX again early XX/XX/XXXX  and I was told that I was rejected for a credit card on XX/XX/. Again the representative was not sure why the rejection occurred. This representative was much more professional than the previous person. She could not understand why an inquiry made on XX/XX/XXXX  was not determined ( rejected ) until XX/XX/. 

I had not given XXXX XXXX permission to check my credit after my in-store application on XX/XX/2021. I was surprised to see that the actual date of the credit check was XX/XX/2021 after I was told that nothing went through. The credit department at XXXX XXXX explained that they were understaffed and apologized for the long wait on XX/XX/2021. I want this hard inquiry removed from my credit report because this is fraudulent on XXXX XXXX 's part.

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 2021-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
We voluntarily surrendered our automobile to our bank, USAA. They picked the vehicle up and stated it would sell the vehicle at auction and we would be responsible for the deficiency. At the time we owed approximately {$14000.00} on our XXXX XXXX XXXX. 
On XXXX XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of USAA . He stated I owed {$16000.00} for the deficiency on the XXXX. I asked what the vehicle sold at auction for because this amount is significantly more than I owed on the vehicle at time of surrender. 
XXXX said he does not show the vehicle was sold, I just owe the balance! I asked for clarification and confirmation that the vehicle was taken to an auto auction to be sold as I was told would happen. He said he could not provide any information, other than that I owed money over the phone. He said I would need to submit a request in writting for information on the vehicle and sale. 
I submitted a written request via email as i was instructed to XXXX, I requested an amortization schedule from loan origination to charge off.The original terms of the contract per the TILA, Payoff and Balance at time of the sale, amount the vehicle was sold at auction for, the name of the auto auction that the vehicle was taken to, the name of the repossession company and a case be opened for my complaint also that they provide me with a case number and Point of Contact to get this resolved.. 
All train did not respond to me so submitted a follow up email on XX/XX/XXXX. I still was not responded to and submitted a 2nd follow up ( 3rd attempt to contact ) on XX/XX/XXXX. 
I have not received any notification that they have resolved, corrected or investigated this. However the charge off and balance still shows on my credit report. 
It is my belief that either the repossession company or an employee at XXXX/USAA took possession of the {$100000.00} car and charge the balance off against me. 
I need help to get his resolved. 
I am a XXXX XXXX XXXX Veteran and XXXX  struggling to keep my business open post COVID and this is impacting my ability to get credit and assistance. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My wife and I submitted my refinance loan application to my current lenderCitibank XX/XX/XXXX. Our credit score are over XXXX and our income in XXXX was around {$100000.00} and in XXXX around {$85000.00} not including the Pandemic mandated unemployment benefit of around {$20000.00}. 
Both are W2 income. Current loan is a FHA. 
Our current monthly payment is {$1900.00}. Our refi loan amount is {$270000.00} at interest rate if 3.625 % fixed 30 years. The projected new payment is {$1500.00}. A reduction of about {$400.00} per month. 
Appraisal done in XXXX at {$390000.00}. XXXX is 69 %. 
Needless to say we more than qualified in every respect. We submitted all requested documents promptly and was looking forward to a closing between 45 and 90 days. We follow up regularly with the processor and loan originator. Weeks went by and then months. We finally got the preclosing disclosure XX/XX/XXXX. That is over 7 months later. Adding insult to injury, the closing disclosure included an item Borrowers optional atty fee to XXXX ( servicer ) n the amount of {$2400.00}. At that point we decided to withdraw.

I am seeking the following : - fees paid of {$670.00} - lost monthly savings of {$400.00} up to seven months.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
JCPenney Credit Card serviced by Synchrony Bank. 

I am unable to get paper statements. 

JCPenney continues to enroll me in paperless statement without my permission or request. 

Contacted support and tried 10 times to enroll back into paper statements. I am unable to stay enrolled for paper statements.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I called in early XXXX to close my Citi Advantage account and they dooped me into transferring into another AAdvantage Mileup Card with an annual fee. I called several times about this annual fee that was not disclosed and on XXXX its still reflecting as a balance on my card. Apparently there is a problem with your system waiving this fee and have requested this account be closed. If you can not properly transfer credit card accounts without charging people annual fees that were not disclosed then maybe you should not be cross selling credit card to customers.

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 2021-10-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted GM Financial about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX. 
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called GM Financial for circumstances out of my control, but to have this continue to roll into several months is XXXX. 
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On XX/XX/21, I called Transworld Systems to see if I could settle a debt with them. The debt outstanding is {$510.00}, and I told them I wanted to settle for 50 % or less, seeing as though the debt is 5 years old now. XXXX was the woman I spoke to, and she told me that the debt had to be paid in full. I tried again to get them to settle for less. The agent then told me that if I didnt pay the account in full, that it would stay on my credit report for the rest of my life. I confirmed this information with her to make sure I heard her correctly, but I know this isnt the case. There is a statute of limitations to credit inquiries that lasts 7 years. So she flat out lied to my face about it and I find that revolting. I wonder how many people she has scared into paying more than they actually have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I experienced problems paying my mortgage.. My Lender SPS offered a trial modification. I paid the modification for over 10 months and we never received a permanent modification, but instead the modification was removed due to, lender not receiving requested documentation? I have spoken to lender recently, and now have placed me into foreclosure.. I am compelledto seek help from the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am trying to improve my fico score so I can move my family into a better living condition. I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to SYNCB/TJXCOS ... ... .SYNCB/AMAZON on XX/XX/2021 and on XX/XX/2021. They stated they would be happy to help me to resolve this issue to delete, remove, or erase it from my reports with their response of a dispute. On XX/XX/2021 I got a copy of the revised updated report from XXXX, XXXX, XXXX with the same old information?

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 2021-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA

Complaint narrative:
I have been struggling to work with Iowa Bankers since my first delinquent date of XX/XX/XXXX. I had expressed my financial hardship that caused me to fall behind. I was self employed in the past and my business went under causing me to fall behind. I immediately contacted Iowa Bank for assistance but got nowhere fast. I then landed another job paying a lot more. I was hired on with this new company on XX/XX/XXXX. I recently submitted to Iowa Bank for XXXX  XXXX  flex modification and was quickly denied for help. The mortgage servicer stated the reason for denial was my payment was to increase because of my new income. Yes, my income is 3 times greater than what I was making before which was what caused me to get behind. Based off my income I do have over {$900.00} of disposal income available to afford a higher payment if needed, I am not asking for a hand out I just need help with my mortgage getting current. I don't have the {$16000.00} needed in back payment but if they can place it to the end of the loan I will be more than happy to repay it. The lender has not offered me any assistance or repayment plans the only thing they have offered is short sale or foreclosure. Also what is very concerning while under review since XX/XX/XXXX Iowa Bank has had a foreclosure sale date on my home of XX/XX/XXXX which I advised them many times this is dual tracking of foreclosure the denial letter they sent me is dated for XX/XX/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 2021-10-12 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: CA

Complaint narrative:
Third complaint : Equifax has done the same thing, Nothing. I waited until they " investigated '' the wrongs from XXXX XXXX on my report. I logged on their website and it shows they completed the investigation, but I do not have any access to the results. Also my credit report is exactly the same as it was prior to my complaint. Equifax did nothing. I was supposed to get copies of their " validation '' of the debt. Nothing ... .I got nothing! Equifax is continuing to provide inaccurate information on my credit report which is making my score go down. XXXX XXXX is still on my report and they do not list the alleged " date of last activity '' or the alleged furnisher as they are legally supposed to do. They better remove this from my credit report. It is wrong and XXXX XXXX is not my acct. I believe this is done by Equifax as retaliatory against me for initially filing a complaint. 

I do not understand Equifax 's response. All they said was they will look into it. CFPB then closed this complaint. It should be left open until Equifax is held accountable for their actions. 

I never received the investigation report from Equifax. They also had stated they would send me any and all alleged " verification '' they receive for this XXXX debt. They did not. Are they breaking the law??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have sent via email, on XX/XX/XXXX, a package for a loan modification application, and since then I email 4 times to my direct point of contact resending the loan modification application and asking for email confirmation. As of today, XX/XX/XXXX, she still did not answered to me to confirm receipt of my loan modification application. 
I email as well on XX/XX/XXXX, to the loss mitigation department the same loan modification application, and they also never confirmed receipt of my application. 
All my emails sent to the mortgage company with my loan modification application where cc to my loan counselor, and she also didnt receive confirmation for the email sent with the loan modification application when asked. 
I have just come out of the mortgage forbearance on XX/XX/XXXX, and I need a loan modification in order to be able to pay going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NFM, INC
State: OR

Complaint narrative:
I, XXXX XXXX XXXX, entered into a consumer credit transaction with NFM Lending on XX/XX/2020 in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but NFM Lending accepted cash. The finance charge is suppose to include insurance, but NFM Lending made me pay for insurance separately. 

NFM Lending went on to send XXXX XXXX XXXX multiple postcards in regards to buying insurance from an NFM affiliated company, which is in violation of 15 USC 1692 ( b ) ( 4 ) ( See exhibit B and C ). NFM went on to break numerous more violations in respect to 15 USC 1692 and has not responded to the affidavit of truth, cease and desist, and debt validation letter that was sent to them via certified mail ( Please see attachments ). 

NFM Inc is continually sending me debt collection letters and furnishing false information to consumer reporting agencies, which is in violation of 15 USC 1692 ( J ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
on XX/XX/2021 a friend sent me {$100.00}. i can't retrieve it. i have tried to change password and think it is ok but the help desk can't understand a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Newman & Marquez, P.A.
State: FL

Complaint narrative:
I, XXXX XXXX, am a consumer as defined under 15 USC 1692a ( 3 ) any natural person allegedly obligated to pay any debt. NEWMAN & MARQUEZ , P.A . violated 15 USC 1692e ( 1 ) the third party debt collector is vouched for, bonded by, or affiliated with the United States or any State. On XX/XX/21 NEWMAN & MARQUEZ , P.A . violated 15 USC 1692e ( 3 ) when a communication was sent by the attorney to the consumer. In the communication NEWMAN & MARQUEZ , P.A . used profane and obscene language also violating 15 USC 1692d ( 2 ). I have proof that NEWMAN & MARQUEZ , P.A . violated 15 USC 1692f ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Please see attached documentation to Hyundai. In summary, I paid for a lease in full when first receiving the vehicle, therefore I had zero payments for 3 years. When I turned in the vehicle, the representative said that I did NOT owe anything else. Then, 9 months later, I received a letter from Hyundai saying that I owed a turn-in fee because I did not get a new Hyundai when turning in the lease. I promptly contacted Hyundai and explained that I was not offered that option, but more importantly, the fee was already paid and clearly itemized on the initial lease agreement. They refused to acknowledge this, so I asked to speak to a supervisor to further resolve the issue- the representative refused to allow me to speak to a supervisor. Therefore, as a last option to clear the record, I submitted a dispute through the credit reporting agencies. They simply asked Hyundai to confirm the accuracy, as they of course did. So the credit agencies did not take any further action and allowed Hyundai to continue adding derogatory remarks to my credit file. 

I have decades of immaculate credit history with zero blemishes aside from this one. So this is not a case of the consumer making excuses- I am very good with credit. This is an issue of a company taking advantage of the consumer, and I suspect it is to squeeze more money out of the consumer to help Hyundai through the losses experienced during the pandemic. 

But perhaps the biggest crime here is that the credit agencies only take the word of the creditor and give no consideration to my word ( backed-up with a clean XXXX credit score ) and a lease agreement as documentation. As a consumer, I am helpless against Hyundai destroying my credit score. This is causing me damage when trying to refinance my home at a lower rate and also secure financing for my 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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am presenting documentation that clearly and indisputably established that Wells Fargo acted in an Intentional Misrepresentation and Omission of Material Facts in order to deny a claim for theft. 

I am hereby attaching information and supporting documents that will establish my claim against the actions of Wells Fargo. 

Please see the attached .pdf files.

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