vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: MD

Complaint narrative:
I applied for an auto lease/financing through Tesla at their dealership in XXXX, MD. 
Days later, I learned that the loan was denied. 
When asked for reason for denial, I was given limited information, specifically that I had an insufficient credit history. 
However, I have impeccable credit ; an XXXX credit score. I have paid off 7 car loans in the past 8 years, paid a $ XXXX house off in 2019, and currently own a home which is mortgaged. In addition I have multiple credit cards with limits ranging from {$2000.00} - {$20000.00}, all of which have a low balance, as they are paid in full prior to the end of each month. 
I sent multiple emails requesting more information as to why I was denied. I was never given a response, nor a written explanation as to why. 
After voicing my concern on multiple occasions, I was told they would approve my loan. The terms presented were outrageous. They requested a $ XXXX down-payment on a 36 month lease. 
I have never been requested to make a down-payment on a lease due to my exceptional credit. Their out-ofpocket requirement nearly covered the entire lease obligation. 
I decided to request a loan elsewhere. I was approved immediately, with the lowest interest rate they offer. 
This proves Tesla 's denial for financing, and outrageous leasing terms to be unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a Bank of America XXXX Rewards card with almost XXXX rewards points. 
Without any warning, BOA closed my account because they claimed I had not used it. 
This is a travel card and clearly in the current pandemic, I was not travelling and I had other things to think about. I believe they could have sent me a warning that they intended to close my account but deliberately did not do so in order to defraud me out of the bonus. It's not like they only wanted to send minimal communications ; they sent tons of emails about other things. 

After the card was closed, I did receive a letter saying I had 90 days to claim the rewards points and I have tried to do this several times. I have been on the phone with them about this which requires a long hold period only to be hung up on ( accidently? ) when i finally reached an agent.

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 2020-12-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-11 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: Absolute Resolutions Corp.
State: WA

Complaint narrative:
On XXXX XXXX, 2020, Absolute Resolutions Investment add a derogatory marks on my credit reports. 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 Absolute Resolutions Investment 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 2020-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent the letters out to the bureaus on XX/XX/2020 and I have not received any notification of the investigation being started. I feel like I'm being taken advantage of. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been over 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 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX Freedom Mortgage abruptly stopped taking out automatic mortgage payments from our account with no warning or written explanation. In the following weeks when my wife noticed she immediately called to see why the payment hadnt come out. They said that she was in bankruptcy and they couldnt speak to her without her lawyers permission. This was false. She was not in bankruptcy or tied to any bankruptcy and so she doesnt have a lawyer. I, her husband who is not a borrower filed a single chapter XXXX bankruptcy and they said that somehow our previous mortgage company XXXX XXXX  triggered this into their system. Anyway they said there would be no late payment because its not my wifes fault but we would have to send checks until my bankruptcy was over. My wife immediately sent the check and we continued on time ever since. They lied and were dishonest because they still reported a late payment to all credit bureaus. When we spoke to several supervisors they all acted as though they wanted to help and they were on our side because the late payment was not our fault. However, they still came back with the conclusion that they were right in reporting the late payment to the credit bureaus with no explanation. My lawyer explained that in her bankruptcy practices she has never experienced a mortgage company that froze the account due to the single bankruptcy from a no borrower and that this was crazy and absurd. My wife was planning on refinancing and now they have made that impossible in the near future because of their dishonest and immoral business practices. If we didnt have the money and/or didnt make payment on time for that reason then we would take responsibility. This is clearly not the case. We have a lawyer right now that is willing to file a suit against them but we are weighing our options because we will have to pay the legal fees if we settle and we know that they will settle because they are 100 % wrong. Freedom Mortgage should be ashamed of their selves for taking advantage of working families during a global pandemic. I will pursue this to the furthest extent of the law until it is rectified and this is only the first step.

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 2020-12-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX I did a mobile deposit to my bank. The check was made out to myself and the estate of my father. y father passed away in XX/XX/XXXX and I didn't know about needing an estate account to put the funds into. My bank, instead of rejecting the deposit like it says in their policy, decided to place the deposit on hold due to it being issued to an estate and myself. I have repeatedly asked them to reject the deposit so that a new check can be issued to just me. My bank is refusing to release the funds back to the issuing bank stating that it can only be deposited into an estate account or returned to issuing bank if said bank requests it or puts a stop pay on check. Issuing bank can't put a stop pay on the check because it has already been paid out to my bank. I need help to get my bank to release the funds back to the bank issuing the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
addresses was supposed to be removed incorrect information on Experian and XXXX I have letters stating the removal of 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 2020-12-11 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: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
On XXXX XXXX, 2020, WAYPOINT RESOURCE GROUP add a derogatory marks on my credit reports. 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 WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XXXX XXXX, 2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. 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 LVNV FUNDING LLC 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 2020-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I XXXX XXXX XXXX lost my wallet approximately by XXXX in XXXX XXXX CA. Since then, i have a lot of issues every year to fight against different fraud activities under my identity. The one of the last one is open under my name as a fraud account " Sears/cbna '' on XX/XX/XXXX with account number # XXXX with balance due {$850.00} Dollars. I never apply, i never received, i never used it and i didn't know about this account until appear under my name as a " charge off " account. I try to fight and fix this issues but, they advise me to report this account and sent a copy to the credit card bureau.

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 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Unauthorized charges XX/XX/XXXX {$160.00} XXXX  XX/XX/XXXX {$180.00} XXXX Both charges at XXXX when the store was CLOSED!! 

Disputed charges with Venmo they decided against my favor. 

They gave me a temp credit that day. 
And now saying they will take away the credit on XX/XX/XXXX. 

I had the card in my position. Cancelled and alerted Venmo with in 4 hours of email notification of charges. 
Signed affidavit of fraud and sent notarized to Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
My inquiry deals with a suspectedpredatoryloan I got through Santander Consumer USA ( financer ) and XXXX XXXX ( dealership ) in XX/XX/XXXX. I have a 72 month contract financed at 21.04 % for a XXXX XXXX XXXX. I'd roughly pay {$760.00} per month. My father co-signed the loan with me, I traded in a car that was being financed through XXXX that the dealer ( XXXX XXXX ) said they would pay off ( not true in the slightestsince the balance owed was added to my contract ) and I receiveda rebate of {$4000.00} since they were making room for newer models. 
At contract signing, principal was {$30000.00} and at present principal is {$23000.00}. To date, I've made {$25000.00} worth of payments includingmiscellaneousfees. Only {$7000.00} of that has been applied towards principal. My father filed for bankruptcy earlier this year and since then, I have been denied access to my loan account by Santander, the loan has been removed from my credit profiles along with payment history by Santander and my account is ineligible for assistance due to the co-signer filing for bankruptcy.A class action lawsuit was settled by Santander in XX/XX/XXXX and it alleges Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. I fall into this demographic but Missouri was not apart of the 34 state AGs that brought on the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Yes l applied for credit reason and was sent a denial letter based on 38- serious delinquency and public record or collection filed 10-ratio of balance bank revolving or other rev accts to high 18- numbers of account with delinquency 14- length of time accounts have been established while l don't have anything that should state that l have anything on the public record and if l do it should have been move a long time ago l tried to call to speak to a live person but are not able to get anyone as they are so fast to get you denied but can't answer the phone as the letter stated to contact them the number l been calling is XXXX the recording doesn't give you the chance to speak to a live person

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 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America, it is quite unbelievable given the novel coronavirus virus that makes it impossible for we who are senior citizens of advancing years with serous medical problems to work anymore, has denied our request to lower monthly car loan payments to {$500.00} at whatever interest rate the Bank of America choses! 

I call this brutally cruel on the part of the Bank of America. 

We called the telephone number provided by the Bank of America to discuss further our request. The Bank of America has not five days later returned our telephone call!

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 2020-12-11 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 XX/XX/2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. 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 COMPANY 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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
On my credit report I fought with a company XXXX which put a debt on my credit report through XXXX XXXX XXXX and the debt was deemed not a valid debt through CFPB. The history is on my account and now they just put the debt again through another company called EOS CCA collection for the same thing on my credit report. I just want them to completely remove this from my account because they are hurting my credit and affecting my life for a charge I never made. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Multiple issues : 1. First of all, this is a commercial loan, held under my XXXX. The mortgage servicing company, Shellpoint Mortgage, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of XXXX due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the XXXX 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with Shellpoint, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of Shellpoint had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of Shellpoint regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Phone was stolen and someone hacked my checking account. Both my account and my wifes account. 

They have refunded the fraudulent charges to my wife but not to my account yet.

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