vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
I just received a letter in the mail threatening reposession if I did not make a payment within 13 days of the date of the letter. The letter was dated XX/XX/2020. I did not receive that letter until XX/XX/2020. I can verify this with informmed delivery through USPS. 

I have been trying my best to get back on track with this loan. I have been making at least one payment a month, but that is not helping my past due balance. I communicate mostly through email due to a an auditory processing disorder. I can show email after email of me begging for assistance without any reply. I had been out of work due to covid and then had my wallet stolen and my accounts drained. During this time I was still making at least 1 payment per month in XXXX, XXXX, XXXX. I am able to maintain regular payments at this point but I can not clear the large amount past due. I've asked that it be tacked to the end of the loan, no response, I asked that the amount be divided up and added to my monthly payment, with no response. 

I told the company that if I couldn't work something out I'd have to file bankruptcy and it seems they immediately sent the demand letter after that. 

This is my only vehicle. I'm just trying to save it and keep driving.

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 2020-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I was a vacation with my family. I Visited this vacation club. They told me they have a system a website where you could send families and friends when they travel they will get 50 %, and I will get 50 % I greed is an awesome deal. They indicate that after the purchase is completed, right after I can go to the site make reservations to any hotel, I can buildup points eventually, I buildup enough points to cover my next hotel reservation fee. XXXX I tried to make a reservation, I could not make the reservation, so I had to call customer service ; they end up making the vacation for me. I didn't trust the company anymore, so I drop a cancelation letter on XX/XX/XXXX to cancel the membership. On the phone with customer service through XX/XX/XXXX, when still XX/XX/XXXX cancels the membership, they never cancel it. After several phones called with a back-and-forth with management, they called me to give me a new deal since I already gave them a {$900.00} deposit. I ended up making a deal. They gave me a new contract but the original company, Monterey financial bank, is still after me to get the original balance from my getaway vacation. I send them an email confirmation letter to get a vacation that I paid this account in full, but they are still trying to get their version of balance for me. I would like to have them remove this balance from my credit report and close this account. Monterey Collection XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
i made a XXXX payment and they cashed check but never credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: NH

Complaint narrative:
I have no Knowledge of this account ... .Never have done business with XXXX XXXX XXXX I have never received, any contract with this collection agency at all Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2020 {$1500.00} Original creditor : XXXX XXXX  XXXX  Overview You have 100 % left to pay on this collection. 
Balance {$1500.00} Highest Balance {$1500.00} Opened XX/XX/2020 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX 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 2020-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
A few days ago I bought a new truck from XXXX XXXX XXXX XXXX in XXXX Texas. Once the final price of the vehicle was established I was asked to go to the bank and get the down payment for the vehicle that we agreed to. Once I arrived back from my bank with the down payment I went to the finance office. In the finance office I was told that I have to buy extended warranty in order for me to buy the truck at the price we have already agreed to previously without any stipulations I was also told that I qualify for a lower interest rate at 2.5 % but because the dealership is not making enough money on the sale of the truck I have to pay 4.5 % interest first four months in order to secure the deal. They said just finance it for 4 months and then you can pay it off or refinance but not before then. I told him that's incorrect information he went to the manager and came back to the office and said they are no longer willing to sell me the truck then gave me my down payment check back. I had already invested four hours of my time being there and waiting with my family they used this against me and force me to buy the truck without warranty but with a higher interest rate he even showed me that I qualified at 2.5 % APR with almost to XXXX credit score and a very low debt to income ratio and 50 % down payment on truck.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-27 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: TX

Complaint narrative:
UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY. EQUIFAX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF XXXX XXXX XXXX XXXX I OWE ANYTHING TO REPORTING BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC System claim I owe them XXXX for a XXXX XXXX XXXX bill.. XXXX XXXX XXXX took this same account off my credit profile XX/XX/XXXX XXXX and now IC system trying to say that I owe them this debt ... I wrote them a dispute letter and they're still trying to say I owe them ...

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 2020-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a letter for a settlement amount of {$3600.00}. ( Dont have copy ) I payed that settlement amount of {$3600.00} from a county XXXX XXXX account ending in XXXX on XX/XX/20. The account is under my wifes name XXXX XXXX XXXX XXXX Wells Fargo is still reporting this account as charged off and still past due over {$5000.00}. 

This account was paid off per the settlement letter sent in XXXX. 

This is unfair and unlawful. 

Please update my credit report ASAP. 

Thank you.

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 2020-12-27 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their Chairmen of the Broad they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 XXXX XX/XX/XXXX Sent me a receipt that they charged my Wells Fargo business account {$19.00}. I immediately went online to check and the amount of {$19.00} was indeed debited from my business account. It was also listed as XXXX XX/XX/XXXX {$19.00}. I SAW THAT IT WAS ALREADY TAKEN OUT. On the XXXX at around XXXX XX/XX/XXXX, I had {$360.00} in my account. Keep in mind XXXX was already processed. But when I checked on the XXXX of XXXX, Wells Fargo recharged my card and put the XXXXXX/XX/XXXX charge of {$19.00} at the top again under pending transactions. Now my account had went down to {$340.00}. I called Wells Fargo and told them that I have the receipt from XXXX showing they charged me in the XXXX and that it was already debited. The teller on the phone insisted that I didn't know what I was talking about even after telling her I had the receipt and it showed a charge on the XXXX not the XXXX and that the money had already been debited. I got no where with the teller.

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 2020-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I refinanced my mortgage, which closed on XX/XX/XXXX. My " old '' mortgage company ( Dovenmuhle loan # XXXX ) owes me {$3700.00}. They advised me that the check for that amount would be received by me on XX/XX/XXXX ( after a waiting period of 15 business days since closing ). To date I have NOT received the funds as promised. I was told that the check was " cut '' on XX/XX/XXXX. I find it interesting that the bank charges me " interest '' on monies that I owe the bank, but NOT the other way. Its mind boggling that Dovenmuehle is so arrogant. I was on the phone with a supervisor onXXXX at XXXX and she hung the phone up on me. I want my money plus interest from when I paid my mortgage installment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY.XX/XX/XXXX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF A XX/XX/XXXX XX/XX/XXXX ACCOUNT I OWE ANYTHING TO REPORTING BY 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 2020-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Contacted the company and disputed the debt in question was not mine at all someone had illegally and with out my knowledge or permission opened the account. The company responded that they investigated and the account is not mine. They didn't and have not taken the account off my credit report and out of my name and that's what they're supposed to do so please get this removed off my report and out of my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their XXXX XXXX XXXX XXXX they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, via the ATM deosit I deposited a check into my business account at Wells Fargo on a check drawn on XXXX XXXX XXXX XXXX written on the account of my customer. The check was for {$1700.00} and when deposited Wells Fargo did not make any funds available to me. On Wednesday I was told by my customer the check was paid but Wells Fargo refuseS to deposit the funds into my account. Wells Fargo claimed that the bank on which the check was written, XXXX XXXX, informed them that there were irregularities on the XXXX XXXX Account the check was written on. I confronted the representatives and had the call escalated to their Customer Advocacy Group who did nothing. 

Our customer was able to confirm with XXXX XXXX the the check was paid by XXXX XXXX and Wells Fargo refused to deposit the funds into my account claiming that they were no making the funds available to me until XX/XX/XXXX. I called the executive offices and the call kept dropping until final they refused to make my funds available to me using false claims in an attempt to hold onto my funds longer making it clear that they are floating and using customers funds instead of making the funds available to the customers. My account is still showing a negative despite the fact the funds on the check I deposited was paid.

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 2020-12-27 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander consumer Usa is under litigation. Nationwide class action lawsuit /settlement numerous of inaccuracies reporting Dates, Amounts, & actions to address the issue by me to the company and through the credit bureaus are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
Ive contacted Discover regarding a late payment listed on my credit report for XX/XX/2018. It is inaccurate and they are not wanting to remove it from my credit report. I was XXXX XXXX during that time, and I am a veteran now trying to get a mortgage and they are damaging my credit worthiness. Ive asked for validation and received nothing. The representatives on the phone are very rude and no help at all and do not even care that Ive served for this country. If this is not corrected I will end the relationship with Discover immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We have applied for a lower interest rate refinancing with Flagstar Mortgage. The underwriter is declining only verbally refinancing us. We have not received in writing the underwriter reasons. 
Flagstar says after 4 months of starting the process that the reason for stopping the process is : Due to Covid we have not cashed our IRA funds distribuitition so our taxable income is less but the saving are still the same. We have the funds, the money the savings. We have also had our account with Flagstar for 3 years and never missed our payment, our Credits scores are higher than XXXX as well.

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 2020-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I went to the XXXX XXXX to buy my wife a car. I was informed by the car salesman that I was approved for a line of credit through Comenity Capital BankXXXX. The account was opened and I was under the impression it was set up on automatic payment. Once I found out that it wasn't being paid automatically, I made every effort to resolve the debt. I talked to an agent from Comenity in XX/XX/XXXX and set up a payment plan to XX/XX/XXXX out the debt. They took payments from my checking account on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, and XX/XX/XXXX for {$100.00}. The agent had informed me once the final payment was received that they would remove this account from my credit report. They did not remove it and furthermore they sold the debt to a company called LP. I contacted LP and they told me they showed an outstanding balance of {$460.00}. I agreed to pay them if they removed it from my credit report. I payed {$460.00} to a company called XXXX XXXX on XX/XX/XXXX. This account is still on my report and I don't seem to be able to get any agency to remove it. I am a father of XXXX with a mortgage, car payment, and I am on XXXX. I am trying to refinance my home and this account on my credit report is making it impossible. I would never knowingly let an account get to this state. I am being responsible and making payments on time for all my other accounts. Please help in this matter. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
On XXXX XX/XX/2020 I signed up for Lexington Law services. Later that day I found a Lawsuit filed by the CFPB against XXXX XXXX XXXX, and XXXX XXXX, XXXX d/b/a Lexington Law Firm. Since I found this information I cancelled my account and revoked permission for Lexington Law to debit my bank account or credit card. This morning I discover a pending charge on my bank credit card for {$71.00}. this charge was made AFTER I sent a letter indicating this account is to cancelled and received a reply from Mr XXXX XXXX indicating this account was closed. The lawsuit proves the allegation by the CFP. That the individuals named above d/b/a Lexington Law Firm are bilking consumers out of money. I decided I do not want the services if Lexington Law, was told my account was cancelled, and still ended up with a charge " after I revoked consent ''. If possible I would like to join the lawsuit. These people are taking advantage of consumers by stealing funds from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
I am filing a complaint against BAY AREA CREDIT SERVICE for a fraudulent unverified account with no Original Creditor information on account # XXXX. I do not recognize this account for {$150.00}. I dispute any and all accounts in your office under my name XXXX XXXX. You are a 3rd Party that I chose to not do any business with your company. I would like this account to be deleted from your data base, if your company BAY AREA CREDIT SERVICE sells this unverified account to another 3rd Party company I will press charges for fraud and ID Theft as well as HIPPA Act violations. Under FDCPA 1692 ( c ) CEASING COMMUNICATION THIS IS MY OFFICIAL NOTICE IN WRITING THROUGH THE CFPB ( An official website of the United States Government ) DO NOT CONTACT XXXX XXXX ABOUT THIS DEBT.

Company response to consumer: Closed with explanation