vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
On my XX/XX/XXXX report there is a closed account with huge amount of missed payments. HYUNDAI CAPITAL AMERIC Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HYUNDAI CAPITAL AMERIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
When I was let go from my job on XX/XX/2020 ( due to COVID-19 ), I informed all of my creditors about this. They all understood and informed me to let them know when I'll start having financial issues with payments. Bridgecrest is one of these creditors, and they have been harassing me everyday regarding payments. I have been able to make payments through the year, especially since I was receiving the extra {$600.00} in unemployment. After this extra amount expired, I was down to receiving only {$270.00} a week ( after taxes ). With this amount and my spouse 's income, we were able to make payments but were ignoring other bills, until XXXX. At this point, I did call Bridgcrest to inform them again that my financial situation again, but they seems they only cared about when I can set up a payment. I have informed them that I'm not sure as I have already informed them about my situation and will make payments when I can. Currently, I've made a payment to them but still receiving phone calls non-stop ( about 3 times a day ). My payment is 2 payments behind ( my payments are due bi-weekly, so equivalently to 1 month behind ). Each time they call I do explain to them hasn't changed and will make payments, even though the amounts will be the normal bi-weekly payment ( XXXX or {$450.00} per month ). They have been calling me numerous times a day about it and it's becoming annoying to where it's harassment. I did speak to a representative one day explaining the situation, but was upset ( my temper wasn't great ) and while in the middle of this, the rep hung up on me. 

I do understand this is a debt that I owe and know I'm behind on this. However, as mentioned above, I'm making the normal payments when possible and have been informing them that when my financial situation has changed, I will inform them and get things caught up. I have another car loan, with a higher payment amount, and they are fine with me being behind, as long as I keep in contact with them. Bridgecrest, however, feels that since their employees are back at work, and making the same amount of income, that everyone else in the nation is. 

I wish for them to stop contacting me constantly everyday ( even though I haven't provided them with a date of payment ), because explaining to them the same thing is ridiculous. I don't mind them calling me once a week or once a month, but not 5 times a day. 

If this continues on, I will consult my attorney regarding this and pursue charges on harassment. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: FL

Complaint narrative:
I have disputed the following false accounts on my credit report with Experian : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX However, instead of investigating and deleting these false disputed accounts, on XX/XX/2020 XXXX refused to investigate and frivolously alleged that I somehow DID NOT AUTHRIZE MY OWN COMPLAINT without any explanation as to how they arrived to this conclusion.I also note that I have provided all my ID information as required by CFPB : full name, date of birth, last 4 digits of social. 

Please investigate and delete these false accounts 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 explanation
Consumer complaint received 2020-12-15 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: GA

Complaint narrative:
XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from CPS Community and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and Experian and XXXX keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Offer says " Within 30 days of opening your account, deposit {$50000.00} in New-to-Citibank funds between the new checking and savings accounts. Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. '' However, the customer service requested that I need to maintain the funds in my account for another 90 days to qualify the requirement for the bonus. It is scam.

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 2020-12-15 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: MI

Complaint narrative:
I recently did a refinance of my existing mortgage in order to lower my interest rate ( and lower my monthly payment ) and to get cash out to pay down existing debt. As a result I was able to eliminate 3 credit card balances and a personal loan for a total of over XXXX dollars. 

On XX/XX/2020 my credit score dropped 28 points to XXXX which is where it stands as of today. This is inaccurate and I want my report to reflect such. I don't believe a 28 point drop accurately reflects the elimination of over XXXX in debt.

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 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I included a letter that I received from XXXX XXXX XXXX of the BBVA dated XX/XX/2020. This letter indicated the revised schedule for my next payment is XX/XX/2020. 
On XX/XX/2020, and XX/XX/2020, the representative from the XXXX XXXX XXXX department called me from the number ( XXXX ) XXXX and told me that my account was late for the XXXX payment, I responded to the representative that I received the approval letter, and my due date is XX/XX/2020. But the representative told me that the letter which I received was incorrect and I needed to send it back to the BBVA. 
I believe the staff from the XXXX XXXX XXXX department violated the Fair Credit Reporting Act under the Federal Trade Commission. Because in the letter, the language expressed that if I disagreed, then respond in 10 days to the BBVA ; otherwise, this extension will remain in effect. 
On XX/XX/2020, I received a statement that indicated my account has a late fee of {$33.00}, and the original payment was {$670.00} went up to the amount of {$1300.00}. 
On XX/XX/2020, I received a statement which indicated there was a late fee of amount {$33.00}, and the BBVA reported to the Credit Bureaus Agencies for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
On XX/XX/XXXX I was charged {$3.00} in interest because they say I only paid {$200.00} instead of XXXX I can only pay what the website shows me is due. I would not have sent in XXXX if the bill was XXXX. XXXX is not an even number. I then sent in XXXX XXXX XXXX XXXX. Next statement says I made {$950.00} in payments. Clearly the previous XXXX should have been paid and all or most of the next months bill should have been paid. Well I was charged another {$9.00} in interest. I asked on what balance? I was told the whole balance. I said but you received payments and did not take that into account. I do not receive statements and I pay my bills early to every credit card I have. I am never delinquent. Their website is very antiquated and lacking information. I pay the amount given to me and it seems every month I am behind somehow and accrue interest. This is a rewards card that has no rewards page. I can not see any transaction history anywhere on the site. When I ask about it I am told to take their word about. it. I asked for paper statements maybe it will have it on there. My website says I am supposed to get paper statements but their website says Im on paperless. I am never late however when most companies were working with their customers this company just keeps adding interest even after receiving my payments.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am XXXX 37yrs lost my career due to an XXXX spouse. Try to live on Social Security XXXX and alimony. An individual filed a suit that I owed her money in a large amount XXXX. I only know the women from a ex spouse she called me asking for medical advice during my ugly divorce. The spouse brought me back from the XXXX XXXX Against Medical Advice caused the loss of my XXXX that maintain life. XXXX XXXX called me the week he brought me back asking for medical advice. She has XXXX issues and was XXXX  so I had to help. I put together a medical team at XXXX XXXX XXXX for her. During the divorce because of my medical condition causing a high comorbidity could not buy medicine or food. She called the XXXX she did give me a gift. Then the harassment started I had to tell her I could not help her anymore. If I would not answer my phone between XXXX and XXXX she would call the police for a well check to come wake me up. The police even woke up my neighbors told they where going to kick my door down. Then a suit was filed at a large amount for the gift. I am on social security XXXX and alimony. Bank of America has my accounts locked up can not buy meds or food and are taking multi amounts out of my accounts now showing XXXX on the alimony account and XXXX in my social security account not allowing me access to XXXX payments. Was not severed anything from an attorney or notified from the bank this was happening my money was just taken without warning. Now I have 8 security cameras due to the abusive spouse and attack dogs property fully fenced so I was serviced not a thing did not know of any court dates. I could not have gone anyway I have had 7 XXXX due to my medical condition and can not drive a car. Even placed on Adult Protective Services due to the abuse of the spouse. My state worker thinks since they are good friends this is still part of the abuse. XXXX XXXX XXXX even gave her the account numbers.

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 2020-12-15 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Complaint Against Trans Union XXXX XXXX XXXX XXXX PA XXXX I was denied credit by two financial institutions based on misinformation in their report. I have attempted multiple times by phone and by internet to get a copy of my report and failed. I am complaining because there is no other way to contact Trans Union. They have failed to provide a copy of my credit report as required by law.

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 2020-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I followed a link online for 'Free credit report and fico score ' from Transunion.com. There, I was presented with a 'trial ' offer and access to my scores. I created the account and was charged IMMEDIATELY in the amount of {$24.00}, BEFORE I WAS ABLE TO LOGIN TO MY ACCOUNT! So much for 'free trial. ' Then, I proceeded to attempt to view my FICO score. The site required an ADDITIONAL {$29.00} to view the FICO score! I contacted them by phone but was hung up on. I tried to contact them by email but the response was, " Message could not be delivered because the server is misconfigured. I contacted them again by phone and used the 'callback ' feature. They called me back and I asked for a refund. The operator stated that I would be receiving a refund. I don't trust them.

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 2020-12-15 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, SANTANDER CONSUMER USA and on XX/XX/2020, CHRYSLER CAPITAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I mistakenly made a double payment of my mortgage payment ( in the amount of {$2500.00}. Upon making the mistake, I immediately called and asked if a refund could be processed. I was advised that a refund would be direct-deposited into my bank account with 48 hours. 

On XX/XX/XXXX, when the deposit didn't appear in my bank account I followed up with a call to verify the bank deposit had been initiated. I was, once again, assured that the money would be deposited. 

On XX/XX/XXXX, I followed up again and was told that the money had been deposited and supplied with a ACH reference number. Despite assurances that the money had been deposited, it had not. My issue was then referred ( for a second time ) to an internal " research '' team for investigation. 

On XX/XX/XXXX, I followed up again to see if the research team had discovered the problem. This time, the customer service representative gave me a different story. They claimed that the original refund had been sent as a check via the mail. They claimed they would put a " stop '' on the check and issue an immediate refund via direct deposit that would appear in 48 hours. 

On XX/XX/XXXX, I followed up again to ask about why the deposit still hasn't appeared in my bank account. On this occasion I was told that the research team still hadn't begun the research and that no further information was available. Multiple attempts to reach a supervisor or someone from the research team were greeted with hang-ups.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MECHANICS BANK
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, MECHANICS BANK, on XX/XX/2019, XXXX XXXX and on XX/XX/2019, XXXX XXXX XXXX XXXX XXXX ( the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have been a with ALLY FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We have two complaints about Huntington Mortgage.

1. ) At the time of application, we made it clear that we did not want to/have to pay PMI. We had plenty of funds available to assure a down payment of 20 % or greater. The loan funded JUST BELOW this threshold and weve now wasted over {$1200.00} this year on a product we SPECIFICALLY sought to avoid. 

2. ) We are currently trying to refinance into a 15 year from a 30 year mortgage with a different lender. Huntington says they are unable to provide a letter or any document stating that our mortgage is not in deferral. In essence, our lender is holding us hostage in a bad loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
company is attempting to collect a debt that is not owed and if the amount is owed I did not make the charge. The company did not send anything to my home address and put charges directly on my credit report. This is wrong, no proof of debt.

Company response to consumer: Closed with explanation