vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: CA

Complaint narrative:
I have been disputing an account ( XXXX XXXX ) with Experian for more than 6 months. The account has been reported as closed with no monthly payments. I've provided Experian with a copy of my agreement showing that it's a revolving account, opened till XXXX of 2020 and the monthly payment is listed. I've provided statements from my bank showing payments made. I've disputed multiple alleged COs or FPs ( failure to pay ). The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information and sets accuracy standards for creditors that provide information to CRAs. Unscrupulous companies like XXXX, who has been deemed illegal by the Supreme Court of California, should not be allowed by Experian or CRAs to use false reporting as a tool for financial bullying. An Information Supplier who is constantly making false report should be removed. Back in XXXX, Experian did delete the account. Then it was back on my report as a delinquent / Negative / Closed account, when I'm making payments every month. I'm caught in a vicious circle of dispute after dispute, update after update and need a final solution.

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 2019-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a credit freeze on my credit. 
Lifted the freeze temporarily and now want to freeze it again. 

On XXXX  site it is a smooth process On Experian site it is a FRUSTRATING Process, and there is no live person to talk to. 
Unable to freeze credit. Despite entering all info, keeps giving a message of unable to freeze based on the info. All the info is correct. 

There is no e-mail for customer support to write to. 
In this day and age need to send snail mail to an address on their page. Really?

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 2019-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in many Louisiana. 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 2019-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/2019 I applied for a Lowe 's Credit card which is issued by Synchrony Bank. I applied through my mobile phone while in the store. I received a message that I needed to contact Synchrony Bank and was provided a phone number. I called as was ask a few questions which were mainly identifying questions and was told that they would mail me out a reply within the next few days. 

I received a letter dated XX/XX/2019, which stated that they had " checked credit bureau information and other data sources to verify information on your application. We checked the following items of information : Social security number Phone Address Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. '' The letter suggested I contact XXXX since that was the agency they used. I went to the XXXX website and pulled my credit report. I then called XXXX. After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a reason to not be able to properly identify me. They said they did not and that I should contact the lender. I called Synchrony Bank and the first person could not even see in their system a reason for the decline. I asked for a supervisor who would not even look up my application just stated the same thing as the letter. 

I questioned the supervisor how they knew enough from the application and their research that I was the applicant if they could not confirm my identity. She stated that they were able to get enough information to know it was me, but not enough to " confirm my identity for approval of the application ''. This made no sense to me. She would not tell me anything more. 

When I called bank the only way they could find me in the system was through my name, address and last four digits of my social security number, which match identically to what is on my credit report. They had sent me a letter to the address on the application which I had received which means the address was correct. My name and social security number matched what I provided because they were able to pull a credit report. 

So I now have a credit inquiry on my credit report from an institution who said they were not able to verify my identity. If that is the case I think they should remove the inquiry since they can not prove that was who applied. If they could verify that I was the applicant then what was the real reason I was declined?

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had an auto loan with Fifth Third bank. A repo occurred in XXXX or XXXX of XXXX. 
XXXX and XXXX are still reporting " Redeemed Repossession '' under the comment columns. At the end of XXXX, I've disputed with XXXX and XXXX to remove the comment, but they are unable to see/understand what section I'm referring to. I have also contacted Fifth Third in XX/XX/XXXX. I received a response that the credit reporting is accurate. Once again, because they are not referencing the Comment section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: NY

Complaint narrative:
There is a missed/ late payment on my account ; I have never missed a payment

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 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Repeated calls, abusive language, will not allow us to tell them they have the wrong number, they hang up on us when we try to explain they have the wrong number. They call 5 or more times before noon every day and several times after noon.

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 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking and savings accounts without warning for " fraud '' on XX/XX/XXXX. It was because I deposited three legitimate checks on XX/XX/XXXX which were issued by the U.S. Treasury with its seal specifically for the XXXX XXXX, my employer, and you didn't like them. 
They refuse to admit their mistake. I have sent their Risk Department proof that these are valid checks : images of the previous checks they accepted in XXXX, XXXX and XXXX, images and check numbers of the attempted deposit, copies of my pay stubs, even a letter from the XXXX XXXX Disbursing Office saying these three checks are valid. I can send check images if they are necessary. Attached are the pay stubs and letter from Disbursing. 

I have visited a branch 10 times, called Risk and various departments 20 times, and waited OVER A MONTH to get my money back. No response except " you'll have to wait until our investigation is complete. '' The three checks they are withholding for fraud total {$1200.00}, or {$420.00} each. 
In the meantime, I can't bank anywhere. Not with BofA because my account is closed. Not with another bank or credit union because my history now shows " fraud. '' I'm living on my cash reserves. Meanwhile, my credit card accrues interest, I can't deposit my paychecks because I can't open any other checking account, and I can't even deposit the other funds I had in my BofA account because again, no one wants to have a customer with a mark of fraud.

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 2019-07-16 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: NY

Complaint narrative:
There is a missed payment on my credit report from 2017 ; I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In 2013 I notified our mortgage company of senior exemption status meaning the mortgage company should cease property tax withholding. Since that date I have contacted our mortgage company many time with no results. I have sent the letter of exemption many times with no results. I am unable to resolve this issue with the mortgage company and therefore the situation has resulted to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: NY

Complaint narrative:
The accounts on my report are not authorized and unrecognized.

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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XXXX, I received a postcard stating that an order of default was entered on XXXX by a XXXX XXXX XXXX. I went and filled a notice of motion with the circuit court of XXXX county Illinois. I had proof that this Walmart credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. XXXX XXXX   purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a XXXX XXXX which is considered part-time. In XXXX XXXX XXXX  was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have XXXX children and the money I am left with is below poverty for a XXXX person household. I need help with stoping this that is making it impossible for me to buy food for my children.

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 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Innovate Managed Holdings, LLC
State: AL

Complaint narrative:
I have ask this company multiple times to provide me with the amount of Interest I have paid and the amount of principal paid towards the cost of my loan ; as of today they have only provided account history this does not disclose how much of of the paid amounts were to interest. I feel that this company is a predatory lending company. My loan amount keeps increasing instead of decreasing. It is going up as I make my monthly payments. I have enclosed a document reflecting this. They will not provide me with a copy of my loan agreement. I believe that they are charging interest per day my loan is open.

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 2019-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Good afternoon, In XX/XX/XXXX I leased a XXXX XXXX XXXX, in XX/XX/XXXX, XXXX months before my lease was up I was notified by the dealership that I could turn in my lease early, if I was interested in leasing another vehicle. 

I went to the dealership, turned in my leased vehicle, and did a new lease on a XXXX XXXX XXXX. 

When I first least the car, in XXXX, I was called back into the finance office, as they stated there was a problem with my lease, I re-signed new paperwork, and never looked at the lease again. 

XXXX XXXX XXXX, when I did the new lease, again, I was called XXXX weeks later in XX/XX/XXXX, as there was a problem with my lease paperwork, I went back in and re-signed paperwork again. 

Approximately XX/XX/XXXX I was notified By XXXX XXXX XXXX XXXX, that XXXX XXXX over {$3000.00} in excess mileage for my lease. 
I specifically, asked for, demanded, a XXXX-year, XXXX mile per year lease, this is the XXXX lease that I have had over the past XXXX years, I have never had anything lower than XXXX miles per year. 

The dealership is now stating that that is not what I signed, I am working with Hyundai Motor finance. XXXX, who have a greed to deduct half the charge as I have done my due diligence with proof of photographs from the day I purchased the car, my dollar amount per month with the added dollar amount for extra miles, however, the dealership is absolutely unwilling to work with me. 

In addition, today I went to the dealership as I was promised a three-year maintenance service contract with the new car, and came to find out today that there is no service contract on my paperwork, again, I was lied to by my sales person/finance manager Hyundai Motor finance. corporation has an open case pending, and recently sent us to collections, my father, was a cosigner on the first lease they have threatened to take our homes if we do not make this payment. 

I would have made the payment, if I had all signed up for XXXX miles a year, the sales person lied, the finance manager lied, in both instances and they are not willing to except responsibility. 

I need some assistance in trying to sort this out Hopefully without obtaining an attorney, or blasting them on social media, yelp, the Better Business Bureau, I am beyond frustrated and need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: VA

Complaint narrative:
Filed complaint XXXX. The Company in question responded. Response was not factual yet the notice from CFPB was that the complaint was closed. Really? The company just has to file any response with CFPB and you close the case regardless of violations of the law?

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 2019-07-16 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: NY

Complaint narrative:
There appears to be accounts on my credit report that I do not recognize

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 2019-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rocky Mountain Capital Management
State: CA

Complaint narrative:
I received a call today on XX/XX/2019 by a person who would not identify themselves claiming they were serving me for " check fraud '' on behalf of XXXX XXXX, the number was XXXX XXXX XXXX XXXX XXXX. The person on the phone said he was a lawyer, and I explained that i am currently jobless, and was hung up on. Then they proceeded to call my family members, specifically my mother and threaten them with aiding in " check fraud '' via voicemail, giving out personal information without confirming that the number they had called was my mother. I called them back, an a woman answered as Rocky Mountain Capital Management, upon giving her my name she claimed they were a legal organization or law office and then consistently refused to give me the name or information of their organization. I asked for written correspondence and they denied. When i offered solutions they said " tell it to a judge '' and hung up on me. After i reached out to XXXX XXXX directly and they said my debt had been sold to XXXX Rocky Mountain capital management support@rockymountaincapitalmgt.com rockymountaincapitalmgt.com

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This is regarding a 4 year old debt. I co-signed someones bail to prevent their loss of employment. The original debt was for XXXX XXXX XXXX in the amount of {$790.00}. I believe the debt may have been purchased from XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX and later sold to AWA collections. I became concerned when I noticed a different amount and creditor on my credit report and disputed the amount. Since the dispute in XX/XX/2018, the amount has increased to {$1000.00} and appears to be increasing at a daily rate. I contacted the creditor to whom the debt was sold and was told it will gain interest 6 % everyday until it is paid and up to 10 %. When I asked the criteria for applying interest she did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am being contacted by Commenity Bank on XX/XX/XXXX and XX/XX/2019. They are looking for a relative. They are calling my mobile phone number. I never provided them with this number. I do not wish to be contacted or involved. I have asked that they cease calling me. I can not believe that a company has the audacity ( much less the legal right - but apparently they do ) to call a totally uninvolved party seeking information on someone they think owes them a debt. Apparently, they go " sleuthing '' through the Internet to identify people with the same surname. Talk about an invasion of privacy!

Company response to consumer: Closed with explanation