vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I have an exceptional payment history with all my accounts. XXXX, I am using a lot of my credit in order to survive due to Covid-19. 

Suddenly and without warning First National Bank of Omaha closed my account, causing my credit score to drop by over 30 points as due to this I am at 121 % of my credit usage. 

This will now cause a cascading effect and I am sure other banks will close my accounts. 

During this time of the pandemic people use their credit cards as a lifeline to buy food and pay utilities. When a card closes your account like this, in times like these it can cause hunger, evictions and bankruptcies.

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX AFNI Collections XXXX XXXX XXXX XXXX, Il XXXX Account # XXXX I would like to file a complaint because AFNI collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$980.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-18 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
these accounts are a result of identity theft. I have no knowledge of these accounts or opening of these account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: SC

Complaint narrative:
A previous complaint has been filed with regard to our paying off our car loan with Volkswagen Credit. The complaint number is XXXX. We received a check via XXXX XXXX on XX/XX/XXXX for the car payment they took from our account, a month after the loan was paid off. 

Due to Volkswagen Credit 's error going back to XXXX with not updating our record to show that our car loan was paid off on XX/XX/XXXX ( we have the pay-off letter from Volkswagen Credit with this date ), our refund for our extended warranty coverage from XXXX XXXX was mailed on XX/XX/XXXX to Volkswagen Credit as it appeared we still owed money to Volkswagen Credit. On XX/XX/XXXX, we initially contacted VW Credit asking about the warranty refund, and we were immediately told we needed to contact the dealership. The representative did not check our account to see they had the money since XX/XX/XXXX. VW Credit said that we needed to call the dealership, which we did. On XX/XX/XXXX, the dealership informed us that the check was mailed to VW on XX/XX/XXXX, and not to us because of VW 's incorrect records. We called VW again on XX/XX/XXXX, and was told our request to get the check would be expedited. Later that day, we learned through a voicemail that expedited means they will USPS mail out a check on XX/XX/XXXX. On XX/XX/XXXX, we called VW Credit again and said we don't believe that it is unacceptable that " expedited '' means another 10 day wait until the check is mailed out, especially considering today 's USPS service level ( evidenced by a check being mailed out by the dealership on XX/XX/XXXX and not posted until XX/XX/XXXX ). 

This check would have come directly to us if VW Credit 's processes worked. Now they tell us their process is to wait until XX/XX/XXXX to even mail us a check. Their broken process is the reason we are waiting for our money. VW Credit should never even have processed the warranty refund check in the first place once they realized nothing was owed on our account. Since they did process it, they should expedite a check to us via XXXX XXXX as soon as the check has cleared the bank, and the check they say they posted on XX/XX/XXXX will clear much sooner than XX/XX/XXXX. Again, they explained this is their process. Their process is so broken. No customer should have to wait for over a month ( XX/XX/XXXX to whenever we receive the check ) for money that should have been mailed directly to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am currently working for the XXXX XXXX XXXX, and my loans are being serviced by Fedloan Servicing. I am working towards public service loan forgiveness. After receiving a statement regarding my payments, I asked for a detailed account summary. In short, over 3 years of payments are being labeled ineligible for the stated reason of payment not in full. Yet, the summary shows that I did make the exact payment amount and the majority of the time, I was on auto pay. Additionally, they are claiming a missing payment for XX/XX/2014, yet the prior servicer 's records show I made that payment. They now claim, the payments were " outside the window. " A cursory review of the account shows they are lying and prolonging my repayment. Those payments should be labeled as qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: ID

Complaint narrative:
I was told to make a payment by check because my auto-pay would not be set-up in time. However, after I made my XXXX payment by check, the auto-pay also pulled a payment. Then, while my next payment due date was changed to XX/XX/XXXX, I was assured that a payment would NOT be auto-paid in XXXX. Then, on XX/XX/XXXX a payment was still auto-paid on my account, pushing my next payment due date out to XX/XX/XXXX. I called Dovenmuehle several times ( from XX/XX/XXXX to XX/XX/XXXX ) to request a refund of one of the two payments made in XXXX to correct the problem. I was hung up on several times. When I was finally transferred to a Supervisor ( XXXX ) on XX/XX/XXXX, she told me they would send a check in the next 5 days. On XX/XX/XXXX, after receiving no check I called again and spoke to XXXX. She assured me that the check would be sent, and still nothing. They are not resolving my issue and I don't know what else to do. When I do finally reach someone, they are rude and/or place me on extended holds ( sometimes more than 30 minutes! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have called 4 times to have my account updated and I have gotten poor customer service by the associates. I submitted a {$1700.00} payment to my escrow account to be applied for escrow shortage. 

My required monthly payment for XX/XX/2021 is incorrect and it should be updated. I also think that the monthly escrow account is way too high considering that I already paid half of the shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
Experian still has not shown me any evidence that this account is mine. They have provided no proof of address or any other information linking my SSC or info to this account. Also, it was first reported in XXXX it is now almost XXXX. I am asking again to show me documentation that has my signature, SSC or current address linking me to this extremely old account. 

Verify the " address identification number '' associated with this account and please stop telling me the company states this info to be correct and " please '' submit to me the proof that I am " humbly '' asking for you to provide. 

On the statement you keep sending there is absolutely no proof that this account belongs to me. As a XXXX vet I am trying to obtain a home and this type of incorrect info on my credit report is not helping me obtain a home.

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 2020-12-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX. 

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX IC Systems Collections XXXX XXXX XXXX XXXX XXXX MN, XXXX Account # XXXX I would like to file a complaint because IC Systems collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$3100.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My car was broken into and my purse stolen while in a kayaking trip. My credit cards were used by whomever stole my purse. Immediately upon discovering the theft, I filed a report with the XXXX XXXX XXXX, reported it to my bank, and cancelled stolen cards. The bank only refunded one of the fraudulent charges and claim their investigation proved they were not fraudulent. I asked for copies of the investigation which said the card was not in my possession but since I was in the vicinity, I made the charges. It wouldve been physically impossible for me to travel to the places the cards were used and then back to the canyon to report it in that timeframe. The bank still refuses to reverse the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There account reporting in my credit Records was already discharge in Bankruptcy. I ask you to remove them because they affecting my credit records.

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 2020-12-18 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: TX

Complaint narrative:
TransUnion Credit Reporting Agency continues to lower my credit score whenever I make a car payment or pay off a loan ahead of time, which is unfair. I sent hard-copy letters to TransUnion in XXXX, PA twice now ( on XX/XX/2020 and XX/XX/2020 ) but TransUnion continues to lower my score. I pay my bills on time and am actually ahead on payments, so my score should be going up instead of down. They also lowered my score by using a credit inquiry from a company that said their checking my score would not hurt my credit score. TransUnion did this same thing in the past and lowered my score by a point or two and then they remove it and allow the score to go up by a point. This is very frustrating and to my knowledge, against the law since they are not reporting fairly. They did this after my first complaint letter where I sent copies to the Federal Trade Commission asking for their help to get this resolved. Is TransUnion upset that I brought their faulty practices to the attention of a government agency and they are punishing me by continuing to reflect false credit information and a bad score???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i have reached out to Portfolio Recovery Associates several times via Certified Letter asking them to provide signed documentation by myself proving that I owe them the debt. They have failed several times to provide any document bearing my signature proving it. 

This is in reference to Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
I got an installment loan from Advance America of {$1000.00} on XX/XX/XXXX. LITTLE did I know, that they would charge me a XXXX interest rate!! So I owe them back {$5400.00}, so I will have to pay them {$6500.00}! Thats a car! And I will not finish paying them twice a month of {$130.00} apparently until XX/XX/XXXX. I can not handle this type of loan by myself at all. They can shoot my credit down or do whatever they want, but this is robbery at this point. ROBBERY. And Ive spoken to an associate about this already because I wanted the situation handled or refinanced even as I havent made a first payment, because Ive had XXXX  these past two weeks and had no idea how much it truly was, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My husband and I obtained a home equity loan in XXXX. The funds that we received were to go to Sallie Mae to pay off 2 private loans that in total were about {$11000.00}. Sallie Mae received the funds and were told and it was indicated in the refinance paperwork to pay off one of the private loans totally, which would leave a small balance for the second loan. I anticipated that the refinance would pay off both loans in entirety. I have obtained all of the deed information the amount of the refinance from my counties register of deeds. I am in the process of obtaining the actual settlement statement. I would like to at least get some information because I see class action suits but South Carolina is not included and I have not had a attorney review any of this yet due to finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2020 my lease with GM Financial ended. The leased vehicle was grounded at the local GM dealership on XX/XX/2020. In XX/XX/2020 I received notification from GM financial of the remaining balance due on the account. It included a grounding fee that I believed to be incorrect as the dealership indicated they would purchase the vehicle and I would not be charged a grounding fee. I worked with GM Financial and explained this issue and in XX/XX/2020 I was given a 30 day deferment on payment in order to work with the dealership and continually told that I could defer payment while I worked with GM Financial and the dealership to resolve the issue. However, due to the COVID-19 Pandemic, it was impossible to discuss this with someone at the dealership and I was not able to reach anyone by phone. In XX/XX/2020 I spoke with the agent explaining the issues. I indicated that I would be mailing an initial payment soon thereafter and then setting up recurring payments to take care of the balance within the 12-month repayment window. In XXXX, I was notified by a credit monitoring service of a late payment on my credit. I immediately called GM Financial and was told by the representative that GM did not issue a late payment flag on my credit. I left it at that and continued to make payments, paying off the full balance in XX/XX/2020. I contacted GM Financial on XX/XX/2020 to try and resolve the issue and have the late payment flag removed, however, the agents indicated that they could not do this as the payment was late. The request was made to GM Financial on the grounds that there was significant confusion by the representatives based on the deferments and the fees charged and who the responsible party was for those fees ; the fact that a global pandemic had resulted in closure of most businesses and the inability to discuss this issue with the dealership in a timely manner ; financial impacts to my family due to reduced income ; a clean payment history for the life of the lease ; and the complete payment of all charges and closure of the account. I believe it to be unjust to flag my account with a late payment given all of these factors and I believe GM Financial to be in the wrong given the confusing and misleading information that was provided to me despite my continued effort to work with them and provide them accurate and timely information. I believe that GM Financials predatory nature during a time of global financial instability and their poor training for customer service representatives led to the confusion that resulted in a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent Portfolio Recovery Associates, LLC several letters via Certified Mail, 7 letters to be exact, each letter was not responded to for about 60 days. In those letters I asked them to provide documentation bearing my signature that I owe them this debt. They failed each time only sending a copy of a statement, which proves nothing.

Company response to consumer: Closed with explanation