vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I lost my job due to covid, one week after the purchase of a new vehicle. I was diagnosed with XXXX XXXX, and as a result my employer will not allow me to return to work until I receive a vaccination. I called Chrysler Capital on or about XX/XX/XXXX to request payment relief under the cares act due to my inability to make my payments while out of work. On this call, the representative asked me numerous questions relating to my health, condition, and specifics on my ability to work. She made reference to the fact that I could get another job, and actually asked if I was trying to find work. At the end of the discussion she said that I didn't qualify for any assistance because I had not made a payment towards the account yet. She also said that the account was 'too new '. I raised the concern of why I was being asked a litany of health related questions if I was being denied by default on unrelated issue- the account being too new and I had not made a payment yet. Two factors that preclude me from qualifying, which the creditor knew before I even called them, yet the woman asked numerous personal questions. 

So I borrow {$1700.00} from family members so I can make the XXXX payment. 

On XX/XX/2021 I called Chrysler Capital again, to request a payment deferment. AGAIN, a litany of personal and health related questions. I was denied, again, because the account was too new and this time also, because the account is not past due. It's not past due because the last representative said I had to make a payment in order to qualify for a loan deferment, so I borrowed the money!! These, again, were factors that the creditor knew before asking personal questions about my condition, my financial status, and my ability to make a future payment. They suggested a surrender of the vehicle if I am not able to make a payment until XX/XX/XXXX. I told them that was unacceptable and they said that I knew the risks of buying a vehicle in XX/XX/XXXX during a pandemic that I may lose my job and not be able to make payments. They said I did not qualify for any loan deferment options, but that they could give me a few extra weeks to make my XXXX payment, with added interest and fees to do so. 

This creditor harassed me on the phone, two different times, asking me questions about my health, ability to work, and criticizing my judgement of purchasing a vehicle form them during a pandemic, and then losing my job ( totally outside my control ). 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i was a victim of identity theft by a person who used to reside in my home and had access to my information it has been reported and flagged i tried to notify the company i saw on my collection for a credit card i did not use /have and they disregard me saying i meet the requirements of the charge and it will remain on my credit till i pay this off. i have done all the steps during this time and they are not willing to look into this matter to delete these fraudlent charges from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Name is XXXX XXXX and I have tried several times trying to reach out to Experian. They have constantly closed my complaint just made excuses on why they could not answer my complaint.This is my third time and the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I feel like I am being ignored

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 2021-02-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A Verizon-branded credit card is issued by Synchrony Bank. Reward dollars on the Verizon credit card should be available to spend on the Verizon wireless bill. Although {$44.00} of rewards dollars are available on the Verizon credit card website at XXXX, {$0.00} of reward dollars are available on the Verizon Wireless website at XXXX. On XX/XX/XXXX, I complained to the Syncrhony Bank at XXXX, which said it was Verizon 's problem. Also on XX/XX/XXXX, I complained to Verizon at XXXX, which said it was Synchrony Bank 's problem.

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 2021-02-08 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: NJ

Complaint narrative:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family

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 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
The reason of writing this letter is in reference to the XX/XX/2020 report that Ford credit report to the credit bureaus of my account been 30 days late. Fordcredit switch my regular monthly paper bill statement to electronic, causing for me not to get my monthly regular paper bill that I use as a reminding for a bill to be paid and causing the Ford bill no to be send promptly. I never request to be switch to electronic bill and I will never consider doing so. Again, I am politely requesting for Ford Credit to correct the 30 days late mark on my credit cause by your tricky software system trying to put Ford Credit customers into electronic statements. Finally, Ford should be more clear in the way they want for the customer to switch to e-bill not just using a sneaking way to get people to do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Per CFPB, instructed to duplicate XXXX ( XX/XX/XXXX ) Party has not received sufficient documentation relating to XX/XX/XXXX purchase of a GAP Contract from Ally, according to the financing agreement. 

The complete VIN has be provided to Ally via the email address we have on file. 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX Attached letter, addressed to XXXX XXXX XXXX XXXX XXXX, NC, XXXX stating that we had not received a response. 

XX/XX/XXXX - CFPB case XXXX initiated XX/XX/XXXX - XXXX case XXXX initiated XX/XX/XXXX - received response for open CFPB case, insufficient information provided, feedback sent XX/XX/XXXX - additional information attached to XXXX  case, including VIN, as a courtesy XX/XX/XXXX - XXXX  case past due, XXXX provided date of XX/XX/XXXX, marked delinquent XX/XX/XXXX - letter dated XX/XX/XXXX from employee/contractor of Ally sent, requested documentation not attached

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 2021-02-08 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: PA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX  complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.

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 2021-02-08 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: PA

Complaint narrative:
I had a mortgage with XXXX  XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The issue is the annual escrow account disclosure statement dated XX/XX/XXXX. The letter states our mortgage will go up to {$1500.00} effective on XX/XX/XXXX. This is an increase of {$250.00} a month, which equates to {$3000.00} a year. The statement lists an escrow shortage of {$2200.00}. This is despite the fact our taxes went down {$130.00} as compared to XXXX. During our phone calls, no one, including supervisors, could explain why our mortgage payment would go up while our taxes went down. Clearly there is an error. We have continued to pay our previous amount of {$1300.00} based on the conversation we had on XX/XX/XXXX. I've attempted to contact LoanCare/XXXX  many times and did receive a letter from them. However, the attachments weren't there and the question ( s ) weren't answered. I've tried to call the number listed for direct contact but the message just say " unavailable '' and there is no option to leave a message. I've been working on this for 4 months now and they are charging late fees in spite of the fact one supervisor said to continue with my existing payment until escrow does their review. My question boils down to this : if I've been paying my mortage on time and in full for the last several years, why do I have an increase of {$250.00} a month XXXX $ XXXX XXXX when my taxes went down? They continue to site a " shortage '' but fail to tell me where the shortage is from and how it was calculated. 

Please help! 
XXXX XXXX XXXX XXXX ) 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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
PERTAINS TO 2 CREDIT CARD ACCOUNTS Chase Visa Amazon Credit Card Chase Slate Credit Card As ofXX/XX/2020, I has 2 credit cards through Chase, Chase Amazon credit card and Chase Slate credit card, although the limits were high, I was still making sufficient payments every time and on time, without missing any payments, but as of XX/XX/2020 while I was still making all payments and on time. Covid-19 Pandemic outbreak happened and the SHELTER IN PLACE occurred, which closed down my work place employment almost right away, I called Chase and ask for any type of customer assistance of deferred payments program, or anything that could help considering that I was now unemployed due to the Covid Pandemic, a common answer most consumers were faced with. XX/XX/2020 I contacted Chase Cardmember Services, and explained to them about my job closing, struggling to make payments at that point, but that I certainly wanted to keep in good standing and asked what could they help me with? especially because they were promoting that online and on the news. 

They informed me that they closed my accounts that month!!! and I argued the same key points mentioned above, that I had been making all payments on time and sufficiently, that even though the limits were high and almost at a maximum that those cards should not have been closed, they answered that they decided to close it, my reply was that was too much of a coincidence that it was right during the pandemic and was became frustrated with their decision however, explained that due to losing my job from covid, I was now struggling with making payments. Then I set aside the bills and the collection calls assuming that they took note of my last conversation. The pandemic caused me to have to move to a less expensive place, and shelter in place, As of date, CHASE has been consistently reporting negatively lower scores decreasingly each month with lower remarks to the 3 credit bureaus and thus, my credit score has been dropping and decreasing by the month. I disagree with key reasons, 1- CHASE SHOULD NOT HAVE CLOSED MY CREDIT CARD ACCOUNTS 2- CHASE chose not to help me with any deferred programs even with Covid and the issues surrounding Covid, ie, losing job, struggling to pay etc.

3- CHASE continuously reporting negative remarks and due to them only, my credit report has fallen so poorly, its now effecting whether or not I can rightfully gain employment, since these days I am in spite of covid searching for employment but have been turned down from a job due to their reporting remarks. I was at one point XXXX and from them alone, my score is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2019 @ XXXX XXXX  Chase Bank ( NMLS ID XXXX ) they had made an unapproved, withdrawal for money @ {$120.00} ; XXXX was {$870.00} from Checking account # XXXX, and gave it all to the Department of Education for a student loan but the deduction doesnt show the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
I purchased from XXXX online & I received contract via my email from Acima XXXX, I agreed & the merchandise came as I requested. My initial processing fee of {$45.00}, they collected {$47.00}, monthly payments XXXX they collected plus tax {$110.00} ( 3 ) times then 3 month early buy out was available & XX/XX/21 Sunday. Ive paid on time per my contract, they didnt send me all my receipts for my payments. When making final buy out they added a XXXX + for nsf. I confirmed with my bank not true. I called customer Svc @ Acima & rep XXXX refused to refund me overcharged funds, I asked for a supervisor XXXX refused too. I was appalled when supervisor refused & became very unprofessional & fabricated how I didnt pay on time which is untrue. I have direct deposit every month for the XXXX & XXXX, I confirmed with my bank before calling Acima, the supervisor didnt even treat me as a valued customer, I paid on time & did early pay out in full, its unfortunate how were in a horrible pandemic plaguing the whole World & Acima is taking advantage of their customers. My concerns may be minute, its the principle!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One canceled my account for non-use. I became aware of this on either XX/XX/XXXX or XXXX, 2021. They claimed they sent notification by the US Postal Service. I do not remember receiving it They could have sent it by registered or certified mail, but they did not. 
They could have sent by email, requiring a response from me that I received it. 
Again, they did not. I have my email listed on the Alert Page. 

I would never have let this account close from disuse because I have over {$2000.00} in reward miles. This closing also lowered my credit score by 3-4 points. 

Capital One is refusing to reopen my account, and are refusing to pay me the reward dollars that I have rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NJ

Complaint narrative:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family

Company response to consumer: Closed with explanation