vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
This case has to do with a lease disposition fees I contacted GM financial customer service, and XXXX XXXX VP Customer experience with negatives results. Filed a better business Bureau complaint with negative results. 

I have been a XXXX XXXX lessee since XXXX renewing a new lease every two or three years. I intended to do the same this year when my lease a ( XXXX ) XXXX was scheduled for return on XX/XX/XXXX. In late XXXX, preparation for the return and shop a new XXXX, I made countless calls to the dealership XXXX XXXX but they and other dealerships in the area were closed due to Covid-19. I contacted GM financial and was issued a two month extension. 

Please take Note that in XXXX and XXXX GM financial was broadcasting TV advertisements targeting new buyers and NEW lessees with discounts for the XXXX XXXX despite the dealerships being closed. There were no offers for current lessees. 

I live on a fixed income since I retired in XXXX and need a car to drive to doctors appointments and ( 5 ) hours of XXXX XXXX three days a week. I had very little time to wait and so decided to lease a XXXX XXXX instead because the dealership was open, allowed a test drive and made an offer where my payment was a few dollars less  than my current lease payment. 

I received a bill from GM financial for a disposition fee of {$430.00} because I did not purchase or lease a new GM citing the clause below ; " Costumer leasing Act Disclosures : 4. Other charges ( not part of your scheduled payment ) A. Disposition Fee ( if you do not purchase the vehicle and we do not waive the fee under Item 23 ( t ) {$390.00} 23 ( t ) Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a new General Motors Vehicle when this lease ends. '' If you check my history you will find that I was current on all my payments, and that my credit rating is in the XXXX and above. I was a XXXX XXXX XXXX who used discretion in deciding on whether to XXXX XXXX XXXX  and individual using the letter of the law or the spirit of the law. GM financial is using the letter of the law in there one sided contract. It is a punishment for not buying or leasing a new GM despite their neglect of making lease offers to current lessees.

Its interesting that my tax dollars went to bail GM via the TARP in the financial crisis on XXXX and they wont waive a XXXX charge cause by the pandemic such greedy XXXX. 

Thank you in advance for considering my petition. 

Respectfully submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please investigate the following information. XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. XXXX XXXX # XXXX. The address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. Type of loan is incorrect, correct it or delete. ATTORNEY GENERAL # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The address for this creditor is incorrect, correct it or delete this account. Date of last payment is incorrect. Correct it or delete this account. XXXX XXXX XXXX # XXXX No contract with this company. Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I I own a XXXX XXXX. As most informed people are aware the industry has been devasted by Covid-19. I have absolutely no income from my agency, in fact, I have had to return commission payments previously received. I have a business credit card with Citi and I have contacted Citi Bank for some type of relief in repayment of the credit card, they keep telling me I am not eligible for assistance. I can not for the life of my future this out. With continuing to accrue interest the card is now over {$30000.00} They tell me to call every month, which I have been doing since XXXX and still no relief. Please help me. This is going to have to be written off as a bad debt. Before the collection agency starts call what should I do?

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressle Felt & Washaw LLP sent a collection notice to a friends home who I have never lived with. I have never resided at this address or used this address in any capacity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: LA

Complaint narrative:
This is indeed XXXX XXXX. Remove these items from my credit report immediately!!! This is me and I need this fixed.

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 2020-09-10 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: CA

Complaint narrative:
On XX/XX/2020 I used the chase atm on XXXX XXXX XXXX XXXX ca to pull out {$520.00} The atm took the money out my card but never gave me my money Im banking with XXXX also known as ( XXXX XXXX ) nothing has been resolved the merchant witch is chase keeps denying that theres was an error their were people inside the branch while doing this transaction so they seen me out there trying to resolve the issue once they opened I went inside to speak to the manger and they told me since I dont bank with chase there was absolutely nothing they can do so thats why I havent said anything to chase In months they should have atleast video surveillance of my girlfriend her name is XXXX XXXX she was using my card to pull out money for our rent and this had happened we have XXXX kids so this was a major setback we borrowed money and also taxes came so that helped but still thats my whole week paycheck and nothing is being done chase should have the XXXX footage sent to XXXX or reports that they were putting money in the machine that morning but they keep denying the claim without even trying to figure it out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Bank : Ally Financial ( Spouse is deceased ) Auto loan was paid in full {$7700.00}. Payoff at the time of payment made for payoff was {$7300.00}. Ally Financial owes me {$390.00}. I have emailed and called them since XXXX third. I have payoff from bank who paid them and I have Ally Financial paid in full letter which is some what vague. I have been contacting them since XX/XX/2020. Ally lied and said they sent the check. They have had me repeatedly calling them. Each time they cancel the previous check they sent out. It is a cycle to prevent from paying me the money owed. I need the money owed to me from Ally Financial. They have cancelled the check 4 times and refused to provide the check numbers. Each time I call their XXXX XXXX XXXX it routes me to  XXXX call center where you know you will not receive a response. Not allowed to speak to anyone in US. Scam and fraudulent practices.

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 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Signed up for forbearance, due to covid related job loss. The start date XX/XX/2020 for three months. They started it in XXXX, I paid XXXX payment and XXXX payment now I am behind 2 payments for XXXX and XXXX. 
I want the forbearance to be for the 3 months that they offered. 
I spoke to Barclays customer service 4 times for a total of approximately 4.5 hours. The consistent theme is that I have been late on my payments which is false. I have paid 1 month ahead since I obtained this loan. The customer service reps say they can not do anything about this. I have asked to speak with management of Barclays. They refuse to forward me to management. My credit score was XXXX before they reported that I was 2 months late. It is now at XXXX, after this debacle.

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 2020-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid off my mortgage due to sale of house. I chose the Forbearance option for 1 month. A forbearance notice is negatively affecting my credit score. When I contacted mortgage bank, I was told that all that could be done is a written letter mailed to a PO Box to REQUEST that the Forebearance be removed.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.

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 2020-09-10 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: GA

Complaint narrative:
When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in JXX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a credit card with HomeDepot ( Citibank , N.A . ) and had established a credit limit with them that they have consistently reduced every time I have paid a portion of a balance down on the card. They have told me it is due to what they get reported back to them by the credit bureau each month. However, the only time they do it is when I have made significant payments on promotional balances to pay them down or off. Most recently, on XX/XX/2020 I paid {$1000.00} on my card and then on XX/XX/2020 I paid another {$2800.00} which paid off a promotional balance of over {$6500.00}. On XX/XX/XXXX they decreased my credit line to {$100.00} over the current balance of the card which decreased my credit line {$3300.00}. This has impacted my credit score and report by showing that I no longer have a large open credit line and a decreased available credit on the card. They are now showing the card to be utilizing almost 100 % of the available credit which has created an unfair reporting on my credit and affected my score as a result.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp
State: MT

Complaint narrative:
I called XXXX, LENDING CLUB, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that XXXX IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, LENDING CLUB, & XXXX has a note on my credit report which states " National Disaster ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UPGRADE, INC.
State: MT

Complaint narrative:
I called XXXX, XXXX XXXX, & UPGRADE to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, XXXX XXXX, & UPGRADE has a note on my credit report which states " National Disaster ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Westlake Services, LLC
State: VA

Complaint narrative:
I have been dealing with this issue for sometime. With XXXX, XXXX and Westlake Financial. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of drug overdose last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX XXXX. 
Also, in XX/XX/2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. 
On XX/XX/2020 I sent a certified letter with return receipt to XXXX   and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX requiring ) Will XXXX said that the verified it from Westlake Financial but XXXX didn't respond yet. 
1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by XXXX that put back on without proof. XXXX deleted it 2 months ago. 
None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. 
Also, I am veteran that is XXXX XXXX all my check goes to my children for child support. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX veteran.

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 2020-09-10 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: NJ

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 on 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 caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please investigate the following information. XXXX XXXX XXXX # ... XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect. Correct or delete it. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. Correct or delete it. XXXX XXXX XXXX   # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account.The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX # ... XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Creditor address is incorrect. Correct pr delete it.

Company response to consumer: Closed with explanation