vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a new car on Friday, XX/XX/2020 from XXXX XXXX of XXXX. I was never show multiple options for prices or leasing options. I was not told my credit would be run multiple times. I was shown one finance option, with Suntrust Bank at 5.9 % for 84 months, and told that was my only option. I subsequently learned this was false and I was entitled to see multiple options with multiple lenders, etc. 
Additionally, I was misled about additional products that were included on my loan as GAP insurance. I agreed to GAP insurance and learned that an extended maintenance contract was added with GAP insurance. The finance representative told me I could cancel GAP later for a refund. I wen t back to XXXX Sunday XX/XX/2020 and was told no one could help me. I returned to XXXX twice on Monday XX/XX/2020 and attempted cancel the loan or modify it. I called the lender, Suntrust, and was initially informed that I could cancel the loan and then, once at the dealership again, Suntrust reversed course and stated only XXXX could cancel the loan. XXXX would not. I then asked to remove the extra services I did not ask for that were added with GAP insurance and told that the money would be applied to the principle of the loan balance in 120 days and I personally would not be getting a refund or a reduction in my monthly payment. When GAP was explained to me the financier representative told me any unused portion would be refunded. The paper I signed for GAP states that I could cancel in 30 days without penalty. I will have to check with Suntrust to see when the " refund '' is applied to the loan. 

When I asked about a hidden fee that was not explained to me at signed the finance representative told me he did not have to explain it, because I did not ask about it on Friday. 

I have subsequently learned that this dealership has changed names multiple times to avoid negative reviews. I am now stuck with a loan that is approximately {$5000.00} more than the value of the car. The car price was {$22000.00}. With the added fees and maintenance contract that cost became {$27000.00}. GAP added {$850.00}, the unwanted service/maintenance added {$2600.00} and the mysterious TLP fee added {$450.00}. All of this is financed through Suntrust, which will now receive over {$31000.00} for this car. 

I am not disputing that I signed these papers, but the papers were not clear. The dealership engaged in misleading and false representations of what I was being sold after preventing me from seeing multiple finance options I was entitled to see. Suntrust Bank is complicit in these practices. I was told Suntrust was the only finance option.

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 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

THE BUREAUS INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have several fraudulent accounts on my credit report. XXXX  and Experian won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY

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 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
On XX/XX/20 a debt collector from lvnv funding called the home of my parents whom I haven't lived with in 20 years and asked for my mom and told her she was attempting to serve me legal papers for my debt and wanted my telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago Trans Union chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while Trans Union is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of 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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The following accountS are incomplete account and can not be verified and there is not CREDITOR listed, please DELELTE ASAP. 

# XXXX {$330.00} # XXXX {$25.00} # XXXX {$18.00} # XXXX {$9.00} # XXXX {$0.00} # XXXX {$100.00} # XXXX {$61.00} # XXXX {$78.00} If necessary please validation of debt as well. 

I have attached pics of the missing information in addition to the credit report as well. Please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone hacked my bank account. Made deposits with checks from a company and left my account at XXXX. I had just got paid from my job in which was around {$900.00} through direct deposit and the bank didn't let me get my check at all. I filed a police report. I gathered all evidence on where I was at that day and how my signature is and how I hadn't gone into the bank to take money out. They didn't " allow '' none of my evidence. I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Today XX/XX/XXXX Capital One decreased my credit limit from {$12000.00} to {$5000.00} without warning. I have a XXXX credit score, the account in question was originally established in XXXX, I have never missed a payment, PLUS I pay my entire balance every month. This decrease directly affects my credit score, and this isn't fair AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One reduced my credit limit on XX/XX/20 by {$24000.00}, which will have an impact on my credit score. The email I received stated the decision was made because of my low usage ratio on the card. Their website states that changes are only made due to credit risk, however, my risk level has not changed. 

When speaking with them on the phone, they refused to restore my credit line. They refused to evaluate me for an increase due to needing to wait 6 months after a credit line change. I have been a customer for over 8 years and have never missed a payment, and I feel I am being systemically targeted based on a company decision, and through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have repeatedly received calls from Monterey Financial that are regarding a person, an entity, and an amount owed that I am not familiar with. I am not the person they are trying to contact. I have told them on the phone multiple times, both by picking up when they call, returning their call, and also filling out the form on their website notifying them of the incorrect number. It has not ceased since it began in, at least, 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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I had a few ( 3 ) rough months in XXXX. XXXX. I was told by dovenmule that I could not make partial a payment of the lump sum I owed and I my ONLY options were to make a XXXX payment, foreclose or apply for their loss mitigation program. In order to qualify for loss mitigation, I was told not to make any additional payments till I was approved for the program. I was also told that, by entering into the loss mit program, the payments owed would be deferred to the end of my loan. Now 4 months behind, I received the paperwork stating that I was approved and starting XX/XX/XXXX my payments would now be XXXX per month ( up from XXXX ). They did not defer the debt owed like they said, but rather jacked my payment up. I tried calling multiple times and was always transferred to my loss mit reps voicemail. She never returned my calls. I was told that my only option was to now pay the dept ( which was now XXXX ) or just make the XXXX monthly payments for the year. 
By XXXX I realized they were marking me as delinquent on my ( on-time ) monthly payments I was making. 
I completed my loan modification program in XX/XX/XXXX and was told throughout the year, once it was completed, they would be able to remove the 12 months of delinquency on my credit report since I did pay in full ( current payment + repayment of debt amount ) and on time each month. 
Today is XX/XX/XXXX. After sending many emails to XXXX XXXX  email address, I never was responded to. Today I called again and was FINALLY told that they applied each loan mod payment ( current payment + repayment of debt amount ) in its entirety to past due months only till the end of my program ( XX/XX/XXXX ). Which means that regardless that I was making full payments on time for all of XXXX, I was reported as delinquent the entire year. I was told by loss mitigation today that they will not remove derogatory marks regardless of what they said in the past. 
Then on top of that, they sold my loan to another company. When i called to make my XX/XX/XXXX payment they told me I could not as the loan was sold. i called the other company and was told that they transferred it delinquent and I needed to work that out with them. 
My credit is severely impacted by this and I want this resolved however they will not work with me at all. 
Attached are my payment statements from Dovenmule. As you can see there are 0 payments  between XX/XX/XXXX-XX/XX/XXXX. You can also see that payments listed are only for that current month and do not include the additional XXXX dollars I was paying each month. Attached also is my bank statements proving the XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have several fraudulent accounts on my credit report. Equifax and XXXX won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING  FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/20 I went into XXXX XXXXXXXX XXXX at approx. XXXX. I was going to purchase a 6 pack of beer, upon inserting my debit card in the machine, it said approved and to remove the card. I did, the cashier as well and other gentleman at other register ( I believe either manager or owner ) claimed the card did not go through and to reinsert my card I did with the same results.The two gentlemen told me I needed to put my car in again, because they could see it did not go through. I refused and told them I would be checking with my bank, I left the store making no purchase or leaving with any goods. cameras in store could verify that fact. I didn't have my telephone on me at that moment, so as soon as I did I checked my account and both transactions were pending, I called TD Bank immediately, I was told to wait until next day to file a complaint to make sure transactions go through, they did and I called the bank to file complaint. TD bank sent me a letter informing me that I needed to provide a receipt for transaction which I never received anything, because other than them taking my money there was no transaction. I was told to rewrite complaint and fax to fraud dept. I did and received letter in mail saying there was no processing error and they were taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI

Complaint narrative:
After COVID19 hit I was laid off my company closed down. I contacted Automotive Credit Company to  have my payment deferred. They said they would defer them. Checked my credit reports they marked me 30 days late for XX/XX/2020, XX/XX/2020, XX/XX/2020 when I was told by the representative that they would not report any lates. I ended up paying my loan off early and they lates are on my credit reports preventing me from getting another loan. How can they do this when I had no control over not being able to work due to COVID19. I want the 30 day lates removed from my credit reports. This is so unfair.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Dear Consummer Protection Board Official, Summary : Looking to my credit card account with Chase Bank ( VISA XXXX ) at chase.com, I noted that the amount of {$540.00} was debited three times to my credit card account for a total debit of {$1600.00}. However the amount of {$540.00} was credited two times to my credit card for a total credit of {$1000.00}. Thus Chase Bank debited my credit card fraudulently for the amount of {$1600.00} - {$1000.00} = {$540.00} without any parchase done. 

Facts : I tried to make an XXXX purchase on XX/XX/2020 for the amount of {$540.00}. This purchase was immediately canceled by the seller at the request of the same seller. After canceling the purchase order, the seller immediately reimbursed my credit card for the amount of {$540.00}, leaving the transaction at XXXX. However, Chase Bank debited my credit card three times and credited my card two times and now when adding and subtracting, Chase Bank appears charging or debiting my credit card fraudulently for the amount of {$540.00}, when it must be XXXX, because there was no purchase because the seller canceled the order and refund the amount of {$540.00}. 

Please review this as soon as possible and order Chase Bank to credited my account for the amount of {$540.00}. The transaction total must be XXXX because there was no purchase. 

The following are the transaction as noted in my credit card statement ... 

XXXX XXXX XXXX XXXX + {$540.00} XXXX   XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX - {$540.00} XXXX XXXX XXXX XXXX + {$540.00} XXXX XXXX XXXX XXXX XXXX {$540.00} TOTAL IN TRANSACTIONS + {$540.00} ( SHOULD BE XXXX BECAUSE THERE WAS NOT PURCHASE. 

Thanks XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation