vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of fraud and scam last year around XX/XX/2020. XXXX XXXX along with others stole almost a XXXX dollar from me. One of the transactions was a purchased XXXX and XXXX XXXX made to buy solar panels for a XXXXXXXX XXXX XXXXXXXX XXXX purchased without my knowledge using my credit line. The Solar panel company and the loan company was advise immediately of this crime by myself and the lawyer representing me. The Loan company did not believe what had happened to me even with the POLICE REPORT and documents supporting my claim, and when ahed and reporting me to all credit business bureaus. In the meant time the lawyer was working with the LA Police department Detective unit to prove that I did not made the purchased and I never received the solar panels. Finally the issue was resolved on my favor and the loan money XXXX XXXX took to purchased the solar panels were returned to the loan company and the bad reports was removed from all credit bureaus. 
Bloomingdale 's sent my a letter stating that they were closing my account, I called Bloomindale 's card services to check the reason, I went ahead and explain what had happened to me, the representative from Bloomingdale 's immediately cut me off and said that there is nothing that can't be done that the account was closed, even thought I had the car for years and I never missed a payment.

I was a loyal customer at Bloomingdale 's for over 40 years, the way they handle this situation was not the right way, without even giving me the Opportunity to explain as what had happened to me. if Bloomingdale 's want to retain good clients like me, Bloomingdale 's need to look into this type of abuse against the consumer. For their information my credit has been restored.

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 2021-04-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have communicated multiple times with XXXX multiple times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX that is responsible for this inaccurate reporting and is XXXX mortgage. From whom they bought this mortgages servicing rights. XXXX and only XXXX is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXXr and XXXX mortgage are on it.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank lied to Me Enrolled me Im a customer fixed assistance program I lost my XXXX they said I was approved for 5 years lowering my monthly payments since my I come has been reduced to due to unemployment from job loss Due to Covid 19 They enrolled me And then I get a letter in the mail Saying I was declined by them this is ridiculous they lie to their customers by phone then send them notices by mail disagreeing with what they told me and even set up monthly drafts from my checking account then Im very upset

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 2021-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : XXXX XXXX XXXX ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the XXXX code, Huntington never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the XXXX. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the XXXX, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the Huntington online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and Huntington violated the Michigan XXXX by sidestepping the notification process that could have prevented the whole repossession to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
THE LAW OFFICE OF JENNIFER MCCOY, P.C. 
XXXX XXXX XXXX # XXXX XXXX TN XXXX DATE : XX/XX/2018 AMOUNT IN QUESTION : {$1600.00} WRITTEN A CERTIFIED LETTER AND SENT TO COMPANY TO CORRECT THE MATTER IMMEDIATELY. COMPANY DID NOT PROVIDE SUPPORTING DOCUMENTS, AND IS IN VIOLATION OF ANTITRUST LAWS. 

COMPANY REPORTED AN INACCURATE COLLECTION ON CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I was affected by a natural disaster and was receiving XXXX benefits I was living in a motel and not able to make any credit card payments after XX/XX/2018 this account has been paid satisfied and in return they agreed that they would remove the late payments ... I did my part but they have not done theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: NC

Complaint narrative:
My lease effectively ended in XX/XX/2020, however I extended the lease because of COVID verbally over the phone for another 3 months. I continued to pay the same monthly lease payment as I had throughout my lease term. I was told on the phone that even after the lease expiration I could keep paying monthly payment and keep the vehicle. 

Because of XXXX it was easier to keep the vehicle than explore buying a new vehicle, so I just kept making payments. In XXXX of 2020 I actually came down with COVID. VW Credit was trying to contact me, but because I was sick I wasnt responding. Then out of nowhere on XXXX XXXX  VW Credit repossessed the car, not for non payment, but because the lease had expired, however they were still taking my payments. 

So to recap, VW Credit repossessed the car during COVID, while I was sick with COVID and it wasnt for non payment. 

The vehicle was about XXXX under the mileage allowance for the lease term and I just received a XXXX deficiency bill from VW Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
This credit card was opened fraudulent and continues to report on my credit report in violation of the FCRA.

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 2021-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect dates, balance and account settlement information Party Owed : XXXX XXXX XXXX I am disputing this derogatory account on my credit report. This debt was forgiven and incorrectly reported. This is my official request to have the aforementioned item to be deleted off my credit report

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I HAVE REACHED OUT TO NEWREZ/XXXX  TO DISCUSS OPTIONS AVAILABLE TO AVOID FORECLOSURE. HOWEVER NEWREZ/XXXX WASHES THEIR HANDS BY STATING THAT THE INVESTOR WILL NOT ALLOW ANY OTHER MODIFICATIONS BECAUSE I ALREADY REACHED THE MAXIMUM NUMBER OF ALLOWABLE MODIFICATIONS WITH CAPITALIZATION. YET MY LOAN IS ONLY FOR 30 YEARS. HOW CAN I HAVE REACHED THE MAXIMUM ALLOWABLE CAPITALIZATION IF MY LOAN IS STILL THE SAME TERMS. BECAUSE OF THE COVID PANDEMIC MY JOB LOST A LOT OF CONTRACTS CAUSING US THE INDEPENDENT CONTRACTORS TO WORK LESS HOURS. THANKFULLY WORK HAS PICKED UP AND I AM NOW IN A WAY BETTER FINANCIAL POSITION. I AM TAKING RESPONSABILITY FOR BEING LATE ON MY MORTGAGE PAYMENTS. HOWEVER I NOW HAVE THE MEANS TO RESUME MAKING MY MONTHLY MORTGAGE PAYMENTS WHICH IS WHY I HAVE BEEN ASKING FOR MORTGAGE ASSISTANCE. 

I HAVE ASKED FOR PROOF OF THIS MIXIMUM CAPITALIZATION THEY SPEAK OF AND TO THIS DATE NONE OF THE REPRESENTATIVES NOT EVEN THE POINT OF CONTACT CAN TELL ME WHAT THIS MEANS. OR HOW THIS IS APPLICABLE TO ME.

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 2021-04-19 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: TX

Complaint narrative:
I have not receive a response from the bureaus. It has been over 45 days. To my knowledge I know they have 30 days to investigate or they must delete the items from my credit report. This is outrageous!

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 2021-04-19 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: GA

Complaint narrative:
I have disputed this creditor on my credit report XXXX. with Transunion and XXXX  more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the Transunion and XXXX  keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.

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 2021-04-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Incorrect dates, balance and account settlement information Party Owed : Macys / DSNB I am disputing this derogatory account on my credit report. This debt was forgiven and incorrectly reported. This is my official request to have the aforementioned item to be deleted off my credit report

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 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dear, I received letter from Jefferson Capital systems , LLC indicating I owed {$530.00} to XXXX, I dont know how I can owe XXXX usually I buy something and I pay XXXX and XXXX pays It to merchants, I called XXXX about It as fraudulent and XXXX couldnt provided me how i owed It and what but they closed the account as fraudulent now Jefferson Capital asking me to pay for something that I didnt purchased, I called XXXX again today I was told we dont own the account so I called Jefferson Capital and I told them that was fraudulent and XXXX closed It as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I have a credit card with my credit set at XXXX on XX/XX/XXXX I made a payment of XXXX using my stimulus money I received. I wanted to to start building a cushion in case any unforeseen expenses arose. I have only been able to pay the minimum due to the pandemic leaving my grown children jobless and they had to move back home. I have had plenty of hardships with my car and other issues, but I paid on time. 
On XX/XX/XXXX a letter was sent to me from my credit card company telling me they have lowered my credit limit to XXXX basically taking all the stimulus I just put in. Eliminating any cushion I have for emergencies. This also will effect my credit rating since having your cards maxed out reflects in the score. That was another reason I had put all the money into my cards. 
I feel like it was very suspicions that as soon as I put the stimulus in for payment they chose to drop my credit limit. I wonder how many customers they did this to. I feel they basically stole my stimulus money. This was suppose to get me back on my feet and give me room to breath. I get that I was at my limit for at least 8 months but heck these aren't normal times. I'm afraid to put any large some of money in there for them to lower my credit limit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been a customer with chime for 2 years. With my business dealings & personal dealings. XX/XX/2021 Chime Randomly froze my account for what they say Hi XXXX, Thanks for reaching out to Chime Member Services. One or more of the Pay Friends transfers you received has been reported to Chime as an unauthorized transfer, as a result a temporary hold has been placed on your account while our Disputes team investigates the validity of this claim. Please note : Investigations are typically completed within 14 days, but may occasionally take up to 45 days. 

Submitted ALL the documents 3 minutes after they said it was too blurry. Waited the 48 hours they said wait! NO RESPONSE. I reach out again NO RESPONSE. Everytime I call there is no option to speak to a special department only email. I have emailed 4 times & called over 10 only for chime not to say anything about my XXXX theyre withholding. 

My file was supposed to be escalated & at the current moment NOTHING has happened, getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had to made a payment to my landlord and present my debit business card. 
My card was decline when it was plenty of money on it. 
I called my bank BBVA IN XXXX XXXX CALIFORNIA AT XXXX XXXX LOCATION. and they couldent help me as they have sayed that a different department look the card because they belive was compromised. 
I have been dealing 2 full days and I am unable to reach them.. they made me wait on the phone for a full hour ... than they disconnect the call. 
I have no money to buy food and my rent is past due. 
I have no more resource how to handle it. 
Please help XXXX XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation