vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Mailed the Repossession Deficiency Letter to Experian & XXXX   XXXX  NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ).

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE REMOVED THIS ACCOUNT ON MY EXPERIAN REPORT I WILL BE FORCED TO PRESS CHARGES.

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 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
this debt was paid by insurance and cash payment at time of service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Home Loan Center, Inc.
State: AL

Complaint narrative:
I applied for a auto refi loan with XXXX through Lending Tree to get a better interest rate and lower monthly payment about two weeks ago and discovered an error on my credit report. Today, I called and the error had been corrected with an improved credit score of XXXX. XXXX is a scam -- in order to obtain an auto loan with a decent interest rate and payment customers have to agree to purchase GAP insurance. The offer was a 5.1 % interest rate which is better than my present 7.99 %. I refused the deal because the sales rep stated that my payment will increase from {$550.00} to {$570.00} and not decreased. The reason for this offer is that I refused GAP insurance. There is no way my new monthly payment at 5.1 % interest for the same amount of months would increase instead of decrease. This is a total scam, and this company should be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
So I was thought I was booking a home for vacation, I sent the money through XXXX with my bank app, u.s. bank. And it was a scam. After I sent the payment I got another message from another person saying it was a scam. So I went to my bank 20 minutes after the transfer to see if there was anything I can do and they claimed we couldnt. 
On XX/XX/XXXX I sent {$1100.00} through my XXXX  with my banking app Im sending over a copy of the agreements that was sent. I have signed copies on my end but theyre at home.

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 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
This company is reporting what I believe to be a medical debt according to my credit reports - the same debt is listed 6 times. This debt does not belong to me - I contacted the company and they refused to assist with removing from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am divorced and work two jobs. I am working very hard on my credit. The other credit companies are right on target. Equifax has some crazy way. I get something removed from my credit and they drop my points 20-30 points. It makes no since, and trying to resolve it is not working. This is a misuse of power, that is effecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Before going on a trip to XXXX XXXX in XXXX this year, I have received the document from Barclays ( my credit card company ) stating that if I use their credit card for car rental, and decline this portion of coverage, they were going to provide for collision and comprehensive part of auto insurance. I duly did so. Upon returning the vehicle, the leasing company claimed that a part from the roof of the vehicle was missing and charged me {$400.00}. The Barclays has refused to issue credit for this amount. 

Respectfully, 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 explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
ON XX/XX/2020 I wrote HMC GROUP 2 different letters about some alleged debts that they are reporting on my credit that are not mine.I have neither receive any information nor has it been reported as disputed within the 30 days time frame by law.I would like for these inaccurate items to be remove from my credit report before i seek a attorney to represent me.I have attached a copy of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: LA

Complaint narrative:
I keep getting calls with the following message. I have no debts whatsoever, nor do I owe anyone. This is a scam and they need to stop calling. I have all calls saved on my phone to show how many times they are harassing me. 

" <my name> in accordance with state and federal regulations you are hereby being notified of a pending claim in our office your file number # # # # # # #, as it is in your best interest to speak to a live representative now by pressing one. Or either you or your attorney contact global international services that telephone number XXXX this is an urgent matter requiring your immediate attention please reference your file number when calling in <my name> you have been officially notified Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
File dispute with Experian XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. XXXX for item was deem cash payment within 30 days

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 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TN

Complaint narrative:
Contacted ERC about questionable debt Was told it was with XXXX XXXX XXXX XXXX From over a year ago Then was told it was from a bill in XXXX Called XXXX XXXX XXXX agent went over payment history for the last year Their records showed no missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXXXXXX XX/XX/XXXX {$520.00}

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 2020-08-31 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo you are in violation of the FDCPA and the FCRA in this letter of about 4 you claim you will respond by a certain date and I never hear from you. You are fully aware that your credit reporting is incorrect and you must remove the inaccuracies and then you sent a letter stating that you would respond by XX/XX/XXXX and today is XX/XX/XXXX you are reporting reckless and incorrect information on my credit report Congress passed a law back in 1971 given credit or such as yourself the ability to report accurate information and if you cant do so this is a violation I have sent you factual proof that your reporting is incorrect and I demand that you delete this trade line from all reporting agencies you did not respond by the XXXX and several other letters that I will certainly be appreciative to upload the other CFPB please delete these In accuracies

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 2020-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank ( Mastercard ) sent me a letter closing my account stating it was closed due to non-activity. They did not send a warning letter or call to inform me this would take place. I have been a customer with flawless payment history since 1990, 30 years. As a consumer I feel my rights have been violated and action should be placed against Citi Bank. I feel this is due to my age. I tried to call and have the card re-instated, but they would not due so unless I re-applied for a new card are pull my credit. I feel I have done nothing wrong and being treated unfairly. As a result my Credit Score has declined by their actions. I should have been given a warning prior to closing my account. I have received warning letters from other Companies like XXXX XXXX. This tells me this practice of closing accounts without warning is not industry standard. I want this addressed.

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 2020-08-31 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: CA

Complaint narrative:
I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Hi, I had applied for mortgage refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX on XX/XX/XXXX, based on discussion and loan estimates from XXXX XXXX XXXX Loan Originator NMLS ID # XXXX. 

I was asked to pay an Application Fee of {$500.00}, which we paid on XX/XX/XXXX, for them to proceed to lock our mortgage rates. I was told this application fee will be non-refundable and it was mainly to make sure I'm committed to proceed with Amerisave, which we were and it is evident in the timely manner in which we submitted all the documents they needed to start processing of our loan application. Even though sometimes, Amerisave choose not to answer some of our questions until we send multiple reminders.

Loan officer, XXXX, had clearly communicated that the initial underwriting process will take a week or two, and they will be able to lock the rate which will be the same or better than what we had signed-up for in the loan application.

Never did we suspect that {$500.00} application fee might have been a " hook '' to get us stuck with Amerisave, which seems familiar to their trade practices in the past when they were fined for " Bait and Switch '' policy, please refer to this link on CFPB website : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ Now, more than a month later, we see no progress in our loan processing or commitment to lock our rates. And when I reached out to the loan offiicer, XXXX, he was dismissive on any commitments to process the initial underwriting in 1 or 2 weeks and locking the rates for the loan.

When we asked them to stop processing our loan, which I don't have any evidence to what extent they did, and requested refund of the {$500.00} application fee ; he flatly refused to repay the {$500.00} fee and he wasn't bothered even when I said I will take this matter with CFPB or other consumer agencies. 

It is very evident that they tactfully duped us into believing that the rates they promised at the time of applying the loan will be locked, even though they made us sign paperwork that said the rates were floating rates, and the application fee of {$500.00} was meant to keep us committed the loan even though there has been no reciprocating commitment on their side!

I'm assuming we may not be the only ones in this situation, and regardless we'd like to take this matter up with CFPB to help us get back the {$500.00} application fee.

Please let me know if you need any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I'M HAVING A VERY HARD TIME WITH THE CREDIT BUREAUS HELPING ME CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XXXX of XXXX, I applied for a loan with an organization called NetCredit. I was approved and the loan was funded. In XXXX of XXXX, my job was impacted by COVID19 and I reached out to NetCredit and asked them if they would be able to lower both the interest rate and the payment because the payment on this account is XXXX and I can not afford that at the moment. A representative from NetCredit responded to me stating that they do not lower the interest rates on their loans and that I could visit their website for payment assistance. I went to their website and on their website, the only option that I was given was to defer my payment by up to 20 days. I then continued to make my payment with the enhanced unemployment that I was receiving and when the enhanced unemployment ran out in XX/XX/XXXX I contacted them again and advised them that I was going to have to default on my loan as I could no longer afford the payment and again they referred me to their website and stated that there was nothing that they can do about the excessive interest rate that I was paying. When I applied for this loan I was not given a copy of the amortization schedule and at no time was I told that I would be paying over 85 % of my payment to interest. I never would have signed up for a loan if this were the case. Currently, I make a XXXX payment per month and XXXX of that goes to interest that I never was told about. The contract that I signed was online and it was very misleading. This matter needs serious attention as I know I am not the only consumer that they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
Mailed the Repossession Deficiency Letter to XXXX & Auto Now NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my  car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ). 

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE  REMOVED THIS ACCOUNT ON MY XXXX REPORT I WILL BE FORCED TO PRESS CHARGES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I purchased tickets from XXXX for {$520.00}. 

On XX/XX/2020 I submitted a dispute to Citi for the full amount of {$520.00} as the concert had been postponed without a future date yet to report. 

On XX/XX/2020 XXXX cancelled the event and stated that I would be receiving a refund. 

On XX/XX/2020 I provided Citi with the e-mails from XXXX that I should be receiving a refund. 

It has now been more than 1 month and CITI still has not credited me with the total amount of {$520.00}. 

All I am asking for is to be refunded the amount that should be refunded to resolve this issue. It is unacceptable that this has taken months to resolve.

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