vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got an auto loan from SunTrust Bank in XX/XX/XXXX. At the end of XX/XX/XXXX, the vehicle was repossessed. After few days I was able to secure the amount needed to bring up my account current and all the fees mentioned in the contract like repossession fee. To my surprise, when I called to make the payment, the bank representative had added {$1800.00} for " Other fees '' that can't be explained by any terms of the contract provided by the bank when I purchased the vehicle. I have requested from the representative to email me a letter from the bank to that effect, which I do have. I refused to pay that fee and offered to pay only the fees mentioned in the contract, but the bank did not accept and demanded the " Other Fees '' to be paid to release the vehicle. After few months, the bank sent me a letter explaining the calculation of deficiency. I called the bank and explained to the representative that I was not able to retrieve the vehicle because of the " Other Fees '' added couple of days after the vehicle was towed. At that point, the representative tried to convince me that " Other Fees '' meant " additional amount to be paid toward the principle ''. When I disagreed, the representative made a comment about " English being my second language '' and that's why I might misinterpreted the " other fees '' mentioned in the letter received by the bank on XX/XX/XXXX. I believe the representatives are playing with words to mislead consumers specially when they hear an accent.

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 2020-10-18 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: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Hello on XX/XX/2020 I went on a site which was Rocket Mortgage to research some options and in order to proceed on the site they wanted me to put my social security number in a box. I put a dummy social security in the box because I checked the box that said " No time Frame ; I am Researching Options '' but they decided that they had enough information to run my credit without authorization. I received a letter from Quickens loans that states that I selected to have my credit run which is false. I believe sites are trying to hurt peoples credit by running a hard inquiry on people that are only researching. In addition ; I called XXXX XXXX who are the people that ran my credit as well as the people who did the investigation on my dispute. They gave me the information to contact Quicken loans and I spoke to a women named XXXX XXXX on XX/XX/2020 who I argued with because she told me that pulling my credit is disclosed on their website ; which I did not see and wasn't too worried about it because I knew that I was not going to provide my social security number. She mentioned that giving my name and some other info can allow them to pull my credit without providing my social security. However ; I asked her why would I want my credit pulled if Im just searching options and wasn't looking for a loan at this time. Nevertheless ; I would like this Hard Inquiry to be removed off of my credit report ASAP and I would like everyone to know and be aware of sites like this that are willing to pull your credit without authorization even if your just researching options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased an E-Book from XXXX XXXX on XX/XX/2020 in the amount of {$120.00}. We were unable to access the assignments because the code was either recycled or not valid. We emailed XXXX XXXX for assistance and got two emails stating they will take care of it, and did not. I called Capital One to dispute the charge, and they credited my card for the amount. They later recharged me the amount and said they needed me to send in evidence. I sent the emails of my correspondence with XXXX XXXX showing the codes were giving me technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: MN

Complaint narrative:
I am having an issue cashing a mobile check by mobile check deposit with Ingo Money using my XXXX XXXX XXXX XXXX debit card. I have never cashed a bad check with Ingo Money. Ingo Money is  using discriminatory practices as far as not accepting my mobile check deposit, considering I have never had a check returned to Ingo Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I paid off the balance of my auto loan to PNC Bank and they claim to have mailed out my title to the proper address on XX/XX/2020. The title never arrived in the mail. I spoke with the company as well as with a supervisor who told me that it was sent with regular mail without tracking or a signature requirement. They refuse to help me from their end with resending a new copy of the title. This is an clear situation of negligence on their part, no one would ever send their own original documents in such a fashion, without tracking or a signature, however they have no issue going the cheap route with the customers documents without being prepared to take action to help in such a case. They can not have it both ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XXXX  year ; XXXX   year ; XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

4. Delete this account, because it shows XXXX XXXX {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act

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 2020-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
The debt collection company known as IC Systems purchased the debt of {$310.00} dollars from XXXX XXXX XXXX and did not send notices and correspondence regarding the debt. Instead, they reported the debt to the credit reporting agencies. I found out about the debt through XXXX XXXX. This is a clear violation of the Fair Debt Collection Practices Act. The debt collection company did not verify that the debt was mine. I never received any notices about this debt, and I do NOT owe this debt. Once I learned of the debt, I contacted the company to dispute it and the company refused to dispute it and remove the collection from the credit reporting agencies. Instead, they sent a letter threatening to report the debt to the national credit reporting agency. I am NOT paying what I do not owe.

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 2020-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have contacted this company several times and told them that this debt is not of my knowing. Also, I have sent them a letter and told them that the debt is not mine. If this problem can't be resolved, I will be forced to use legal action. Please remove this account from my credit report as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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:
I have filed a dispute and have not received any communication in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
I wrote emails to XXXX stating debt was not mine and no one ever responded.

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 2020-10-18 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:
I have filed a dispute and have not received any communication in 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 2020-10-18 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:
I have filed a dispute and have not received any communication in 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 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I wrote emails to PayPal stating debt was not mine and no one ever responded.

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 2020-10-18 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: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows High Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Off C/O in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account.

Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter.
I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
It was my first leased vehicle and at that time we were starting a new family. We went to XXXX XXXX XXXX to get an XXXX in XX/XX/XXXX. The sales person showed us that leasing would be a great option for us and that he too leases then gives his car to XXXX to make some money off before lease term. They advertised and agreed to 36 months lease. After going back and forth with the mileage option, they reprinted the agreement with more mileage but changed the term of lease to 38 months. We did not notice the change that was made and we were under the impression that it was still 36 months as discussed. During the time of COVID around XXXX or XX/XX/XXXX, when situation got rough, we called to see if they can take the car back and help us out. It is then we were told that our lease term is 38 months. We looked at the agreement and saw it was 38 months. We reached out to the financial company and they told us to go to the dealership. We went to the dealership and they told us that this would be something XXXX financial would be able to fix. The dealership tried to get us into another car, which we declined. Now that we are coming close to 36 months, we get a registration letter from XXXX saying that renewal is due XX/XX/XXXX. The registration amount is close to what we pay for 1 month of payment. We called the financial service and spoke to the manager and they said there is nothing they can do. We are not stuck either taking a loss on either the DMV fee or handing the vehicle early with payment for 38 month term. I felt like we were scammed and no one was able to help us. I would never do  business with XXXX again nor would I recommend anyone to shop at XXXX XXXX XXXX. We felt deceived, especially because the sales and the finance department of that dealership were the same cultural background as us and they used that to their advantage by tricking us with various documents. We found this dealership to be shady as all the people that worked their were moved or no longer working there. Which reminded me that the elder white gentleman was upset and there was high tension going on, we went back 1 week later to pick up the mats for the car and that gentleman was no longer working there. Something just didn't seem right at that dealership. I hope they would take this complaint into consideration and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX and closed.

TRANSUNION  violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows High Balance {$18000.00} and Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as Charge Off
inXX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; XX/XX/XXXXyear ; 30 days late  XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively

as C/O reported on my credit report. 4. Delete this account, because it shows Credit Limit {
$17000.00} on a charge off close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the
violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: FL

Complaint narrative:
Company claimed to have served me at my home. They lied i was in county XXXX  from XX/XX/XXXX. Through XX/XX/XXXX. They claimed to served me at home XX/XX/XXXX. This is fraud. They even submitted fraud documents through courts. My wife has never heard any contact from this company either. You can confirm i was in jail in XXXX county Florida at XXXX please help to send me lawyer that specializes in illegal collection 's. I will still file on my own if needed. I've sent demand letter to Jefferson capital systems llc and have copy for courts please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I never received my Benefits card when I called BofA the claim representative said the card had been used and we're gone and to put in a claim they would send out a new card and return the stolen funds as a courtesy. I received new card with no funds and still no funds. Bank of america said for me to prove that I didn't do transactions. Well if I didn't do them how can I get proof that's insane. But furthermore the claims rep said the funds would be replaced but I have yet to receive anything.

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