vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I have a lease with GM Financial, and my leased ended XX/XX/XXXX, because of the COVID19 I extended the lease, after that extension I called to see what would be the procedure to return the vehicle and they advised me that the dealer was closed and if that was up to me to if I want to leave the car there unattended until business returns as usual, if not they will contact me to return the vehicle. I continued making payments to the vehicle as long as I had the vehicle. GM financial never called me, emailed or mailed me a letter, and came and repossessed the car. Now they Charged Off the account without contacting me at all, I am not sure what I am paying for with no final bill. This was a malpractice and the The Fair Credit Reporting Act explain that it should be fair when collecting and reporting. On XX/XX/XXXX I called GM financial and they said that the final bill has not been generated and it will be generated in few months. 

another issue was that apparently with no explanation GM financial deleted my online account and when I when to make a payment i had no account, I had to call to recreate the account and in order to make a payment and that payment was 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My ex-boy friend purchased furniture at XXXX 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at Midland Credit Management on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I did not receive a statement from Comenity Bank for my payment on XXXX  XXXX. I have always received a statement and have always paid my bill on time for years. My payment was due on XXXX and I missed it because of no statement was received. I did not receive a phone call or email from them about my late payment until 10 days later, today. I looked at my account and realized I never received a statement and they charged me a {$27.00} late fee. I made my payment immediately online and called and spoke to Ms. XXXX, a supervisor. She told me they can not credit my account back the late fee since XXXX  XXXX was in bankruptcy. I explained to her Comenity Bank is not in bankruptcy, therefore they should be able to reverse the fee. She lectured me on the mail service, how it works and it is not their fault the post master did not deliver my mail. I did explain I have received all my other bills just fine ... again a lecture about the post masters. She was very rude, condescending and spoke to me as if I was a child. I believe during Covid Comenity Bank should make exceptions due to financial problems for all Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX, XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/2020, I spoke with XXXX XXXX, Senior Mortgage Banker with Commerce Bank, and discussed a loan amount we were seeking, as the bank had told us that a portion of our funds couldn't be used. 

I asked for direction, because the bank wanted to increase our loan by {$12000.00}, and my wife and I did not need that much of an increase. XXXX told me to send him the new loan amount I was seeking in an email and include XXXX XXXX, Premier Mortgage Processor at Commerce Bank Mortgage, as she was underwriting the loan. 

At this point XXXX and XXXX had already misplaced information that had been provided to them, consistently. 

On XX/XX/2020, after our conversation, I requested the loan amount be set to {$160000.00}. XXXX confirmed with a one-word message : " Completed. '' But the next day, XX/XX/2020 the approved loan came back with a {$1000.00} increase. That change had not been approved by the borrowers, and no explanation was given. 

When asked about the increase, XXXX lied and said he " had to '' increase the loan amount. Later, that lie became apparent when XXXX disclosed he needed additional documentation to meet the loan request on an account the Commerce team had neglected to include in their verification of funds, but passed the buck of their mishandling onto the borrower. 

Additionally, XXXX indirectly threatened to move the loan date and thus move closing, after his team had dragged their feet until the last minute to confirm details, when their error was called out. This threat showed a clear lack of fiduciary responsibility. 

This complaint is filed in regard to the lack of responsibility, blatant lie told, threat, and altogether malfeasance perpetrated by loan officers who have a responsibility to act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: ID

Complaint narrative:
Received a letter in the mail from ERC saying I owed {$47.00} to XXXX XXXX XXXX XXXX XXXX for a previous account. My payments to XXXX XXXX XXXX are withdrawn from my account monthly and are paid in full. Called ERC and got a foreign representative who kept asking me for my credit card to pay the amount and it would be reduced if I gave it to him. I refused and called XXXX XXXX XXXX to find out about it and they had no record of any amount owed and never sent anything over to ERC for collection and advised us to no pay. This is obviously a scam and needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Comenity Bank XXXX XXXX. XXXX XXXX, XXXX, OH XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company ( Comenity Bank ) then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, is now wanting me to pay the charges associated with purchases I never made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Service, Inc. (WI)
State: IL

Complaint narrative:
I originally started disputing with Accounts Recovery Services IIL on XX/XX/2020 requesting validation of a debt they have attempted to collect. I do not believe the debt is owed by me, so I asked them for further documentation on the debt. Their communication has been sparse to non existence. my last contact with them was via phone and my request still have been ignored. they told me to file a police report.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was looking for an affordable small business owner that can help drive traffic to my XXXX or XXXX XXXX.I went to XXXX so i can support another small business owner and also to get an affordable services, an amount i can afford.I replied to some post and a few about 4 responded to me.A day or two i got someone who contacted me and said he could do the job, he offer to do retargeting and SEO.He said he will do SEO for {$300.00} and Retargeting for {$600.00} that is a one time payment and if something gets broken he will fix it at no additional cost.The total was {$900.00} I borrowed the money and paid him on theXX/XX/XXXX through XXXX  the sum of {$800.00} and to finish {$100.00} after the job has been done. He asked to be paid through XXXX saying that his XXXX account has problem ( I prefer paypal for all my business transactions ) .From the day he recieve the money is one complaint to another, he wants to transfer my online store to XXXX  or XXXX or he is looking for COVID Kit all day all over the place or he is doing plugins or he don't like XXXX  or he wants my XXXX password to make sure pixels are well connected or the pictures are not good even if we drive traffic to your site no one will buy ... He does nothing on the site, no work done. As nothing was being done i insisted an not moving my site from XXXX  platform and that i know XXXX  is the 5th best ecommerce site and we can change when i have money but for now lets work with XXXX.No tranfer attempt was even made or any work was done just noise on the phone to play over my intelligence. On the XXXX in the morning i increase pressure on him and he said he will run the site and in the afternoon give me feedback on why the site is unhealthy and get the work done. I text him all day till XXXX no reply from him then till today.I never knew someone will register a business to scam people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield Collection Agency is continuing to report a debt on my credit reports that has been settled. On XX/XX/2020 XXXX XXXX XXXX XXXX, who is representing Hwarfield on this debt, received a certified letter from me that included a settlement letter and settlement check. The letter clearly stated the terms of the agreement that if they accept the settlement check and cash it, they agree to remove the collection fully from my three credit bureau reports. On XX/XX/2020 XXXX XXXX cashed the check. As of XX/XX/2020 the collection is still appearing on my three credit bureau reports. The balance owed, however, has been reduced by the amount of the settlement check. On multiple occasions I have attempted to reach them on the phone and keep getting the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: FL

Complaint narrative:
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiries on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
With this Company, the Bank and the auto dealer, again not behind but my auto was repossessed. The Judge sustained my motion as this was a per se case where i grouped together like companies, but all were contract matters. This financial institution had my auto repossessed because I contacted the Attorney General about the agreement of me waiting till they received their order for new XXXX. I believe if I had to contacted the Attorney General of Kentucky my auto would not have been taken. I was to receive a new auto which I wrote in on the contract. I traded in my old auto i believe it was a XXXX XXXX. I had about {$6000.00} in the Credit Union when this happened. This also was put on my credit report as not able to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Good Morning, My Name is XXXX XXXX. I been having a problem with Macys due to a cashiers check. I took out a consolidated loan from Credit Union back in XXXX of XXXX one of the checks i received was for Macys in the amount of {$310.00}. I went to the actual store in XXXX Tx to give them the check in which they took ad also received a receipt stating the payment was received. Within a couple of weeks the credit posted to my account, i later verified that the payment was place back on my account. When i called the agent on the line advised me that no payment was ever made so they made me send over proof. I was able to get proof from my bank and had that sent over to them. I waited a while before calling back again and they advised me the information sent over wasnt enough proof so we sent over the actual check where it was showing cashed front and back. They told me to wait for someone to call me but they never did. This was going on for months. It has already been over year dealing with Macys and nothing has been resolved they just keep sending me back to the bank. I spoke with multiple supervisors and managers and no one was able to assist further. I spoke with Credit Union and they gave me a letter head stating that the check was cashed on XX/XX/XXXX, i sent proof of the check front and back and also of the letter in XX/XX/XXXX we just called Macys again since we never received a call about the information we sent and got to peak with an agent in which we escalated to a supervisor due to the timeframe. We spoke with XXXX ID # XXXX Who was very RUDE. Kept speaking over me, and by shutting me up she placed me on hold for over 15 minutes. My wife took over the phone and asked to speak with someone above her and kept denying her the right to speak with someone else and was getting an attitude. When we advised we were going to place a complaint she said its fine like she didnt care. We have been dealing with Macys for over a year with sending multiple proof/calling more than 15 to 20 times to try and get a resolution since were not only paying for interest with Macys but also interest from our bank. I been patient enough for one year and been dealing with alot from them including twice now they are saying i am past due when i am not since the payment was made and the check was cashed. Not only do i like to place a complaint, but i feel that i should be rewarded for the incompetency of the company not willing to assist me when i been a client for multiple years, but also for my time of all the calls i have made, all the faxing and all the fees, and interest i was being charged for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25 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: Accounts Receivable Inc.
State: WA

Complaint narrative:
On XXXX XXXX, 2020, ACCOUNTS RECEIVABLE add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS RECEIVABLE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Tried to unfreeze credit report in order to open a new phone plan, but a week later it is still frozen and my cell provider can not process my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: ERC
State: WA

Complaint narrative:
On XXXX XXXX, 2017, ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am unable to login into my equifax account. When u attempt to login I get the error " We are temporarily unable to complete this request. 
Please try again later. '' I have attempted changing my password. I have also called equifax help and was essentially just told to wait 24 to 48 hours and try again. Nothing works and I can no longer access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NY

Complaint narrative:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove these unauthorized inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized inquiry removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the unauthorized inquiries shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here are the unauthorized inquiries i need removed off my credit report " EQUIFAX '' As follows ... 

XXXX XXXX, XXXX  on XX/XX/2020 XXXX  on XX/XX/2020 XXXX XXXX-XXXX  on XX/XX/2020 XXXX on XX/XX/2020 XXXX  on XX/XX/2020 XXXX  XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX ON XX/XX/2020

Company response to consumer: Closed with explanation