vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: KY

Complaint narrative:
My husband and I have been trying to get on a budget drafting plan. We have paid in full ahead for 2 months. We sent paperwork in originally XXXX/XXXX/22. They said we needed the paperwork and pay XXXX in full in by XX/XX/22 to make this happen. We did everything. It never happened. The told us to try again. So, we have resent everything again. Our next mortgage payment is now not due till XXXX as we are paying early to try to get on the budget plan. This is advantageous to the company to not have us on a budget plan as they make more money off interest. I am currently on hold with them as I write this because they will not let me talk to someone. The company keeps telling us to call back days later and nothing is getting done. We are going to have to pay AGAIN a month in advance if this does not work again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2022, I sent a wire transfer of {$18000.00} to Discover Bank from XXXX XXXX XXXX Bank. The wire was denied due to my married name not being updated on my Discover account. Discover Bank then sent it back on XX/XX/2022. Unfortunately there is no accurate documentation to confirm that transaction was made. XXXX XXXX XXXX has attempted multiple times this week to get in touch with Discover Bank, but the wire department is not responding to XXXX XXXX. I was also told I would receive a generated form that provided information regarding confirmation and tracking information for the return, but have not received that information either. The Customer Service line has been wonderful in attempting to assist with me this issue, however, Discover Banks Executive Office has been refusing to respond to me personally to emails and return phone calls with voicemails left with them in order to get updates on this investigation. It has been 9 days since I have heard from Discovers investigation team. Communication from Discover Banks Executive team and wiring department have been making this situation seem there is fraudulent activity going on and they are withholding my funds. This issue has been escalated so far, I have had to pursue legal action against Discover Bank. I am frustrated and emotionally distraught because of this situation.It has been a MONTH since Discover supposedly sent the funds back, but can not provide accurate information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These disputed items wasn't removed from my credit record within 30days of the investigation period

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 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/2022, Portfolio Recovery. Provide your collection agency permit number for South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A fraudulent inquiry from Wells Fargo Bank is showing on my XXXX Credit Report. The inquiry is dated XX/XX/2021 Wells Fargo have provided me with a letter they will remove the inquiry but XXXX have not deleted the inquiry from my credit file.I would like this inquiry removed asap

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 2022-02-25 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I had a voluntary repossession with Credit Acceptance in XXXX or XXXX of 2018 because the vehicle was having issues and was not worth what I was paying for it. Since then there has been ZERO contact. They never notified me of the sell of the vehicle or proceeds that were gathered from that. It wasn't until I logged into the account that the amount of {$6000.00} was deducted from the account. The original cost of the loan was {$16000.00}, so that made the balance around {$12000.00}. However, since this there have been fees being attached to this loan over and over again. The amount over 5 years is up to over $ 19k. 

They have not contacted me to collect the balance and tell me my disputes a " frivolous '' so they will not be investigating. I also believed I was incorrectly charged and deceived by dealer finance charges in the amount of $ 11k. They also never corrected my name on the account as it was spelled wrong.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America ( BoA ) is wrongfully refusing to process a " return protection '' claim for a purchase made with my Premium Rewards credit card. BoA advertised this type of card as having " return protection '' when I opened the account in XXXX and, as of XX/XX/XXXX, continues to do so. In addition, I had no trouble using the " return protection '' benefit on this account in the past and have not received any notices from the bank that it would change in a way that affects the " return protection '' benefit. 

I attempted to file a new " return protection '' claim this week but have been unable to do so. It's not clear why. The four BoA representatives I spoke with each said that I would need to ask its benefit administrator, XXXX XXXX XXXX  ( XXXX ). Yet XXXX says that the card does not have " return protection. '' XXXX also said that it contacted the BoA this week and that BoA confirmed that the card does not have " return protection. '' I have spent hours on calls going in circles with BoA and XXXX and reached a dead end. On these calls, the two entities have provided inconsistent and contradictory information. For example, multiple BoA representatives said my card does, in fact, still have " return protection '' and confirmed that no " change in terms '' notices were sent that would affect this. One of these representatives also promised to email me a copy of my card 's current terms but did not do so. XXXX says that it relies on BoA for information and that any concerns must be addressed by the bank. The bank, meanwhile, says that only XXXX can address benefit issues ( XXXX, a manager at BoA, both refused to help and said the matter couldn't be escalated further ).

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 2022-02-25 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, just got off the phone with a rep from Santander Consumer USA who told me his name was XXXX and ID number XXXX dated on XX/XX/XXXX at XXXX est. 

I called to rescind to my contact because I dont agree with the terms, and I also mentioned that I want my car back because it was repossessed back in XX/XX/XXXX I didnt know how to go about getting my car back until XX/XX/XXXX after doing research on the law. 

However, XXXX told me XXXX cant get my car back and that it was Sold to the auction. 
So I asked for PROOF of documentation for everything that he is stating and telling me because this can be a complete LIE ( which I believe. ) however, XXXX said by Monday which is XX/XX/XXXX the receipt of the bill of sale would be sent out. So I made it clear, YOU ARE SENDING OUT THE RECEIPT OF THE BILL OF SALE RIGHT? He said well, I will send it out by Monday, but whenever you get it woul be up to the postal. 

I said ok, cool. 

Then I tell him, with all of that being said, SANTANDER CONSUMER USA is reporting to the CRAs ( Credit Reporting Agencies ) that the account is Charged Off which will require a XXXX form from the IRS, because a Charge off is stated as income.. he tried to confuse me a little bit and play me as if I dont know what Im talking about and goes to talking about something about that comes from a settlement and I well in that case I didnt benefit anything or whatever you are referring and simply and politely demanded to get my copy of the XXXX form. 

So he goes and say I will get that over to you as well.. and then I said you know what? You can just email it to me.. and then stop and got quiet and said he cant do that ( LOL ) Moral of the story these CROOKS know they screwed me over and not to mention on the phone call he was basically blaming everything on the dealership where I got the car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX and the car which is a XXXX XXXX I am demanding all my good back plus interest and for all the the violations YOU XXXX  CROOKS WILL PAY FOR ALL THE UNFAIR BUSINESS YOU ARE ALL DOING TO ME!!! CFPB LOOK INTO THESE CROOKED XXXX COMPANY SANTANDER CONSUMER USA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-25 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: MA

Complaint narrative:
I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : CAPITAL ONE XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK
State: NV

Complaint narrative:
I got a forbearance on my mortgage because of problems during the covid-19 problem. I'm a XXXX XXXX XXXX veteran and they have me paying not quite my whole mortgage while they are supposed to work out a new plan for me to catch up on my mortgage and become current. Since then they have reported all the missed payments to the credit bureau and now my credit really sucks. They are not suppose to do this and since it's a VA backed loan, I think that the people in this mortgage company should go to JAIL. The company is Midland Mortgage and my paperwork just was transfered to them from another servicer. This isn't the way this program was suppose to work and now they are making me look like a complete idiot. Time to fix this now!

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 2022-02-25 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry BRCLYSBANKDE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXXA XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry

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 2022-02-25 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: Marlette Funding, LLC
State: MA

Complaint narrative:
I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX/MARLETTE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Tesla, Inc.
State: IL

Complaint narrative:
Hello, I ordered a new Tesla XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from XXXX XXXX XXXX  on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a Tesla representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that Tesla would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

Tesla does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the XXXX XXXX XXXX  loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that Tesla 's systems showed the loan contract as voided, that he followed up with Tesla 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a XXXX XXXX Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to Tesla to confirm that the loan was voided/cancelled and that Tesla kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting Tesla 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue.

I attach the communication I have had with Tesla for the past few months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation