vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
On XX/XX/2019 I purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX New York. The purchase agreement was assigned to EXETER FINANCE LLC in Texas, i received the first statement in beginning of XX/XX/2019 and I mailed to EXETER a Certified Check, an IRS form 1040V, a New York State UCC-1 Affidavit Of Ownership filing # XXXX, a Kentucky UCC-3 filing # XXXX where I Register the Certified Check/Security Instrument, all the mentioned items were received by EXETER on XX/XX/2019, on XX/XX/2019 I received a XXXX mail from EXETER/XXXX XXXX stating reception of the certified check and claiming " EXETER does not accept the document purporting to release the customer 's responsibility in the XXXX XXXX VIN # XXXX ETC ... without returning any of the document ( s ) sent ( 1040V, New York UCC-1, the Certified Chek, the Kentucky UCC-3 ). I gave EXETER FINANCE 10 days to return everything received from me if there was any defect for me to correct it they did not, meaning the alleged debt was discharged after the 10 DAYS WINDOWS. They sent me another statement with adjustment of {$44.00} along the monthly payment, I sent them a SET OF GSA BOND ( SF30 Amendment of Solicitation/Modification Of Contract, Optional Form 90 Release of Lien on Personal Property, Optional Form 91 Release of Property from Escrow, SF 1414 Consent of Surety SF1416 Payment Bond for other than Construction, SF1418 Performance Bond for other than Construction to Satisfy/Settle/Close the Account, two days after they received it XXXX XXXX MAILED ME BACK via XXXX everything that they received in XX/XX/2019. They still have the GSA Bond to Satisfy/Settle/Adjust the Account according to the instructions on the bonds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are over 77 hard inquiries on my XXXX  report, I have paid two credit repair companies to resolve these issues and more. I also called XXXX directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.

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 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are over 77 hard inquiries on my Transunion report, I have paid two credit repair companies to resolve these issues and more. I also called Transunion directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.

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 2019-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Hello, I received a call from California Check Cashing on XX/XX/2019 at XXXX from the Manager at the XXXX XXXX , CA location. The Manager did not want to state name but stated that she was the manager ( her number was : XXXX ). She stated that she was calling regarding a past due, I stated to her if she knew what time it was. I did state to her that she is not allowed to call before XXXX XXXX. She was aware of the time and the issue. I spoke with XXXX from the Corporate Office to report the issue at XXXX XXXX. XXXX stated that XXXX-the director will be reaching out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HOMETOWN EQUITY MORTGAGE
State: MO

Complaint narrative:
My name is XXXX XXXX and I am writing on behalf of my mother XXXX XXXX. 
Her Home Address is # XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
In XXXX, After filing Chapter XXXX Bankruptcy my mother 's home loan balance was XXXX. In XXXX, my mother refinanced her home with Home Town Equity Mortgage. We have documents stating that Home Town Equity Mortgage paid off my mother 's home for XXXX we don't know how there was a XXXX increase to her home loan because she never missed a mortgage payment within XXXX. In addition, to the XXXX increase ; Home Town Equity Mortgage has in the refinancing paperwork that she received a XXXX check during the refinancing process in which she never received. In XXXX, My mother was told that her home loan balance was at a whopping XXXX. She has never missed a mortgage payment ; since she purchased the home in XXXX. She also has a false deed release in XXXX on her home that she never authorized. The Deed Release was notarized by XXXX XXXX and XXXX XXXX. Both women have been associated with mortgage fraud. In gist, my mother has been making unfair mortgage payments for the past fourteen years and this must stop. Please assist us in providing my mother with justice. We would like for Home Town Equity Mortgage to be investigated for unethical business practices. 
In our research, we have learned that Home Town Equity Mortgage has an infamous reputation for mortgage fraud. We would like actions to be taken because we don't want something like this to happen to another family. 
Sincerely, XXXX XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had 2 capital one accounts in my name fraudulently. The account was opened XX/XX/XXXX. It was charged off XX/XX/XXXX. Disputed and won. Should have been removed from credit and public record XX/XX/XXXX. It was showing on my record til sometime this week or late last w week. XXXX and XXXX wouldn't allow me to have paperwork to say this was removed and I have document from capital one that says this was fraud and should be completely removed from my credit and public record. Capital one still hasn't sent any info stating that and XXXX and XXXX won't give me the letter stating they sent this to the court for discharge. I dealt with XXXX XXXX From Capital One 's  fraud team and they haven't sent current information that I requested. I hold both Capital One and  XXXX and XXXX fully responsible for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INVESTORS BANK
State: NY

Complaint narrative:
I opened the checking account on XX/XX/XXXX with the bonus offer : " {$250.00}, {$25.00} per month for 10 months. Reward payments will cease at the earlier of reaching {$250.00} total or 11 consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your YourStyle Visa Debit Card linked to your account. " Until XX/XX/XXXX, the 11th consecutive cycle ended, I had 10 cycles with equal or more than 10 POS transactions in each cycle ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I only missed the XX/XX/XXXX circle, which is because the bank made the statement date two days earlier than usual. ( I called the branch and they explained that because XX/XX/XXXX is Sunday. So they made the XXXX/XXXX/XXXX the statement closing date, instead of XX/XX/XXXX. According to the thumb of rules, in such a situation, the statement closing date should be postponed one day to Mondy, instead of ahead of two days to Friday. This not only caused me the {$25.00} bonus not posted but also I was charged $ XXXX monthly maintaining fee. ) On XX/XX/XXXX 's statement, which is the 11th consecutive circle, the 10th {$25.00} bonus should be posted. However, it was not. I online chatted and the agent confirmed that {$25.00} should be posted on the statement of XX/XX/XXXX. I have the screenshot of the confirmation. She said I need to contact the branch to let them manually correct the error and give me the bonus. But the branch never responded. The bank 's service XXXX. Wasting my time without solving such a simple problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My information is being used in a manner that destroys good character, livelihood, and the community. My credit score and background has been conspired to insure that my career never takes off and because of the allotted misuse of my information this is one in the series of steps taken to provide this incident never happens to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Comenity Capital is charging me {$220.00} in penalties, late fees, and interest for a {$63.00} pair of shoes purchased via telephone on XX/XX/2017. Shoes were returned to XXXX within 2 weeks of order. XXXX credit card was cancelled on XX/XX/2017, within the 25 day cancellation period in the contract agreement. I contacted Comenity Capital by phone and by mail to resolve issue to no avail. During a phone call with them I agreed to reimburse them for return shipping and paid {$7.00}. I did not make any payments for the returned shoes. Comenity sent monthly bills for returned item until XX/XX/2017 and then sold the account to a collection agency. They have put this info in my credit file. I am a senior citizen who had a credit score in the high 700s before I ordered {$63.00} shoes. I have other credit cards that are connected to Comenity that are in good standing because I pay all of my bills every month. I do not pay interest, late fees, or penalties on any of those accounts. The difference is I did not return any of those items, I paid the full amount when I received the bill because the item was in my possession. Comenity has numerous complaints listed in XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I applied for an XXXX Mastercard on XX/XX/19 and was denied credit based on information contained within my report from Sagestream , LLC. - a company I had never heard of until today. The denial reasons given were : " Consumer associated with too many phone changes, days since most recent inquiry, inquiries did adversely affect the score, limited history for consumer at this phone ''. Furthermore, the reported credit score was XXXX - nearly 300 points lower than my scores with all three major credit bureaus. I find this denial to be absurd and grossly inaccurate considering I have two other credit cards with the same bank that issues the XXXX credit card ( XXXX XXXX  ) that have been in good standing for many years. When I attempted to contact this company to request a copy of my report to review the obvious inaccuracies it must contain, I could not get through to a live individual and was directed to leave a voicemail message or to submit my request via their website. Upon looking at their website, the requirements to obtain a copy of my credit report were as follows : A. Required Information Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) B. Proof of Identity Documentation For security purposes, to confirm your identity, please include with your written request : a legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

This is completely unacceptable. Consumers should be able to first of all speak with someone when calling regarding concerns about their credit report and secondly should not have to submit hard copies of any identification considering the company should already have this information on file since the information they provided was used to deny my credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
when my daughter was in medical school, she took out loans to keep her family afloat. i cosigned the loans. and i would do it again if she needed it. she is doing what she wanted. i have been attempting to get a settlement on the loans so i can move on with my life. they have placed judgments/liens on my home. i have been trying since XXXX to get a response. NOTHING. where is the customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America closed my account with no warning. I opened my account, in person, verified my identity and then I deposited cash, also in person. On the same day, I used XXXX because I didn't have a debit card yet to actually use my account. They locked me out of my account online and scolded me for using XXXX. Scolded me for using my own money to pay for my own dinner. Only when my debit card arrived and I attempted to activate it was I informed that my account had been closed. No fraudulent activity, no illegal activity - zilch. I called and they said it was closed because it was just their decision and no one would explain anything further 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 2019-05-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My husband opened a credit card account in my name. I recently found out about this account, filed a police report, met with the Navy Federal Credit Union representative along with a policeman from the Sherriff 's office of XXXX XXXX and my sister in law and my victim advocate. Navy Federal represenattive took the fraud claim information and responded that they found no fraudulent activity as well as a letter that due to the fact we are married, they do not consider it fraudulent. There is no proof I ever applied for this account nor that I ever had use of this account. The balance is a year past due and exceeds {$24000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Open check account. With the promise of XXXX dollars would be added to my account. 
After my first direct deposit was made and it was over 500 dollars. 
The amount deposited was well above the 500. 
The deal said the coupon would be automatically applied. 
Guess what. It was not. 
Second direct deposit made. Again over well over the 500 dollar requirement. 
Went to bank XX/XX/2019. After over an hour wait. Met with XXXX XXXX. Branch manager & 1st Vice President. His number is XXXX. They reviewed snapshots of my application on line. But could not figure why we did not receive a coupon. 
But they would look into it. 
Well was told we should know something by Wednesday. Wednesday  has come and gone. Was not contacted. As he said he would. Talked on Thursday  XX/XX/2019. It was like they have not done any thing. Today XXXX XXXX. He called and said : they have not done any thing. 

It was shown on their snap shots. We have done every thing right and met all qualifications. Therefore it is a simple matter of and over ride and deposit the funds in our account. There is no reason to with hold funds. Unless it is a scam. 

Still waiting on matter to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS Clark is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XXXX XXXX, 2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk. 
They now claim that I am filing a complaint as a different person. They have all of my contact info and are knowingly making this claim as a tactic to avoid complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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:
Account was paid and the creditor XXXX agreed to delete from Credit Report. Because it was in collections it was sent to a collection agency/law firm. XXXX refuses to remove the debt from my credit report despite representing that once the debt was paid they would. 

Here is the information as it appears : Legally paid in full for less than the full balance Election of remedy - reported by subscriber

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 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan XXXX GA - XXXX XXXX - I would like to start out by saying, I should have paid more attention to the deal and not trusted the Salesman ( lesson learned ), but I guess I was excited about getting a new car, never will that happen again. I came into your dealership to get an oil change XX/XX/XXXX and was approached by your Salesman ( XXXX ) about getting a new car, he asked what my credit score was and I advised a 700+ ( 1st mistake ), he said we can get you a new car with a low APR, I stated as long as my car note stays the same I'm interested, I paid into the 2015 XXXX for 2years ( Nissan made money off my interest on that car ), but I'm willing to start over if the price is right. We proceeded with the sale and my car note went from $ XXXX/month 5yrs to $ XXXX/month for 6 1/2 years, I'm like ok, it went up {$50.00} for a brand new car, not thinking or doing the math, until XXXX called me to update my car, with the same Sales Pitch lower APR., I went into your dealership and test drove a 2019 XXXX XXXX Sticker Price {$35000.00} and was told my car note will be about $ XXXX/month I said No, you guys are ripping me off. I was told I have {$15000.00} in negative equity and I'm paying almost {$50000.00} for a 2017 XXXX XXXX, which is only worth {$30000.00}. I thought that by me being financed through Nissan that they took care of their customers, I was wrong. Your Employees are a brand of Nissan and I feel like I was robbed, they took advantage of me and my credit. I assumed that by having good credit that I can get what I want at a good price ( wrong again ). I take pride in having good credit and now I'm stuck paying for a car that has no value, I feel this Company took advantage of me. I will never by Nissan again. I paid over {$43000.00} ( without finance charges ) for a 2017 XXXX XXXX that had a sticker price of {$32000.00}. I have been with XXXX XXXX since XX/XX/XXXX and have never been late with a payment. Wow is all I can say.

Company response to consumer: Closed with explanation