vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
I only have a vehicle loan with USBank, NO OTHER TYPES OF ACCOUNT. I received a Debit card for an account with USBANK that I DID NOT REQUEST!!! The card had my name miss spelled. Addressed to my house. Very concerning that USBank would be setting up accounts with out request of the person. I will be contacting US Bank about this but this should be followed up by the Consumer Financial Protection Bureau with USBank.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
It appears through some point the JPMCB CARD SERVICES Phone ( XXXX ) XXXX Type of Industry Bank Address XXXX XXXX XXXX, XXXX, DE XXXX, has taken a personal interest in my credit worthlessness, numerous hard inquiries have been made since I discovered fraudulent activity back in early 2010, suddenly out of no where I have had several repeated hard inquires that are both unwanted, unauthorized and making my credit look like a an imbecile. 
I 1st and foremost take exception to any inquires, I do not want nor do I wish to do business with JPMCB. I demand they retract the actions as they were never authorized by me. 
I say back off XXXX, unless you have reason to call, then pick up a phone or write me. I am not going anywhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Fay Servicing is insisting on putting NSF and BAD CHECK on my account despite the fact that XXXX  -the financial institution that operates the account from where Fay make their automatic withdrawal has strongly indicated that my account ending in XXXX from where Fay Servicing automatically withdraws payment for this mortgage has never had NSF or returned checks. 
See letter from XXXX XXXX dated XX/XX/2020. 

I had contacted Fay Servicing from XXXX to XXXX asking this agency to withdraw the right amount of {$1400.00} instead of the amount of {$2000.00} which I had previously allowed but the agency wouldn't. As a last resort, after contacting them for 3 months, I filed a complaint with XXXX in XXXX against the overage. XXXX mistakenly filed a claim against the entire amount. Once this was brought to my attention, the error was corrected and Fay received her full due amount. 

Problem now is that Fay Servicing is claiming that my account was NSF and BAD CHECK. Fay Servicing has put NSF and BAD CHECK on my account with them instead of being honest and noting that they were the cause of the claim filed by XXXX. Any prudent agency would have admitted that SHE CAUSED THE PROBLEM and correct her mistake. Instead Fay Servicing is trying to stick my account with this. Despite the Letter from XXXX which Fay Servicing has a copy of..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: DriveTime
State: MD

Complaint narrative:
Earlier this year before Covid I had an issue with my XXXX XXXX XXXX  which required me to take it into the shop to have some warranty work completed on it. It was covered after going through some hoops which I get it warranty work no one gets paid for it directly. My issue upon this situation was that the part that had to be ordered came from DriveTime and/or XXXX home office located in AZ. I was told it was remanufactured or like new. Wasn't able to see and verify parts after replacement because they had to be sent back to AZ. Under my warranty contract with them and XXXX XXXX it does state thats in line with the parts they can replace on any vehicle per the agreement. My issue was I was out of vehicle for almost a week because of the time it took for parts to come in and upon asking for a loaner vehicle said the billable hours didn't meet their requirement of reimbursement and I could get loaner any try to get it back but no a promise for reimbursement. Asked on several occasions that I wanted proof of what parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects what I need at this time. No dealership will take the trade because of the high interest rate and more money down needed to make the deal happen. I get that but Drivetime/XXXX won't take the trade in as well at all regardless of money I need to put down. I was told they don't take their cars back on trade and/or refinance current loans even if they still make more money on new one. I am tired of the pure bad business practices these companies are allowed to get away with. My previous vehicle I had gotten from them had to be bought back from me after many battles that I eventually proved was a flood damaged vehicle. They couldn't give me the money I had paid into that vehicle being a XXXX XXXX XXXX because I had paid for time I used it and was only given my original down payment. These companies being able to do all of this and the consumer just out of luck? I had also asked what had come of the vehicle bought back from me did they sell it to another sucker. I have filed complaints after complaints but they are still in business doing same shady used car sales. There was now ay my 1st car should have been sold to me let alone past State Inspection. I am filing a class action lawsuit against DriveTIme and/or XXXX for unfair Business Sale tactics and Fraud any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a certified letter to True Accord for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: GA

Complaint narrative:
Experian refuses to reinvestigate CFPB complaint XXXX dated XX/XX/2020 when I have provided factual based information showing that my XXXXXXXX XXXX  account is not reporting the same and not reporting accurately across all three bureaus as it should. I provided evidence in CFPB complaint XXXX with a word document that stated this. In the CFPB complaint XXXX Experian claims that they would consider my evidence but stated under their reponse that they can not reinvestigate because they are not sure that I submitted my CFPB complaint because I had no identification which is a stall tactic. I am the person submitting each CFPB complaint from the portal and have identified who I am each time submitting a complaint. ( I have enclosed personal identification with in this CFPB complaint to identify myself. There is no reason for an investigation to not be conducted. )

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 2020-12-23 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 reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit.

Thank you

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CT

Complaint narrative:
I entered into an agreement with XXXX XXXX to resolve a XXXX account. The agreement was for XXXX monthly payments. On the XXXX payment, made in XXXX of XXXX, XXXX XXXX applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized XXXX to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at XXXX, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from XXXX on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called XXXX on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Over two years ago my bankruptcy chapter XXXX file was discharged, and I know it will be in my credit report for 10 years. During this past two years, I have been working to get better with my credit which I have gotten better according to my credit report, but the credit bureau, Experian, has treated my score unfairly and abusive, I think. From a credit score really bad, I have been able to get it to XXXX and for no reason at all they took 15 points down leaving me with a credit score of XXXX. I have disputed my report trying to get an answer why my score dropped down like that and for too many points down. I have contacted them by emails after the result which was unsatisfactory due to the answer I got : " Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported ( which not apply to me ), Your credit card balances have climbed ( which not apply to me ). An account was opened/closed ( which not apply to me, at least not within several past months ). You've recently applied for new credit. ( which was several months ago ). An account on your credit report has aged off ( which in my case, all old accounts was in my bankruptcy chapter XXXX two years ago ) ''. If anything should happen with my credit score is to go up not down, because I have kept my auto loan, credit card, rent, utility, etc. up to date with no late payments or anything that could caused my score dropped down. I need help to investigate why am I being treat it unfair and abusive with my credit score. My credit report shows that for over two years I have kept an exceptional record.

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 2020-12-23 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: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: IL

Complaint narrative:
I received a Debit Card from Key Bank issued in my name from Illinois department of Employment Security. 

This was NOT requested and am NOT on unemployment. I tired contacting XXXX  several times and left messages. 

Want to report this as a SCAM, I did not activate the card. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
My Mortgage is with Provident Funding, it was started in XX/XX/XXXX. Payments were regular and on time. In early XXXX we had Hurricane Irma here in Florida and it tore down my fencing. As a natural disaster I obtained a forbearance with the thought of skipping mortgage for 2 months to pay for the fence. Unfortunately I became XXXX soon after and was not going to receive insurance for awhile so I used the full 6 months of the allowed forbearance which is within all rules and regulations set by the lender. Unfortunately there are no regulations to limit lenders on how the " restructure mortgages ''. Although there were options that I could not afford, the only option I could proceed with was to add 10 years to my term, which equates to ~ $ XXXX for the $ XXXX of forbearance! To me this is criminal and should be considered a predatory mortgage. When I complained to Provident Funding they said it wasn't there fault it was the fault of XXXX and XXXX, the underwriters of the loan. As I stated earlier, I'm XXXX and on XXXX only now, I've paid curent for the last 2 years, but I consider this awful and illegal and feel there must be some regulations against this corrupt restructuring. I want out of this loan but of course, I've struggled and my credit isn't the best. Please advise why there are no regulations to limit the profit a lender can make while restructuring after a legal forbearance? Best Regards, 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 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditech, Inc.
State: PA

Complaint narrative:
XX/XX/2019 i paid XXXX XXXX XXXX off. It immediately fell off of XXXX  and XXXX. 
Never fell off of experian. 
I call the debt collector 9 Months later and ask why its not off. They say i still neeed to pay it. So now they claim its being reported to all 3 agencies monthly. But the only agency that has any information on it is XXXX. 
Now i cant get ahold of experian. And the debt collectors just want me to pay. When i know i payed already. Now i have the creditor telling me one thing. And every credit report company out there Is telling me another. I will from now on make sure i keep all receipts of any payments i make

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD bank froze my XXXX loan in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit. 
Thank you

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 2020-12-23 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: FL

Complaint narrative:
I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Tebo Financial Services, Inc.
State: SC

Complaint narrative:
I leased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX of XXXX and I was having problems with the vehicle so I gave the vehicle back to them in XXXX or XXXX of XXXX. They sent me a payment plan letter in XXXX of XXXX but when I called them to accept the payment plan they then retracted and told me that I had to pay the full {$10000.00} that was owed even though this vehicle was repossessed and sold in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
While trying to get the supporting documents that gives this company the right to report this debt to the credit bureaus like I was told from the first representative. During our conversation I was told that he would email over their document but first I had to open an investigation than after he would email it to me. However once he got information he claimed that he couldn't send the information because the item was under investigation and a different department has to handle it. I than asked to be transferred to a supervisor where I asked the same question and how long the process would take. The Supervisor than stated it would take however long they want take and that if I was not trying to pay the debt he was going to hang up because he has other customers waiting to pay them because me receiving that information was not important.

Company response to consumer: Closed with explanation