vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My credit is Bad and I know it is. I seen my XXXX and decided to inguire about. So the lady said if I had enough down no problem. Well I got approved on spot and I told her I be back the following week with down and I gave XXXX. Her Dad told me verbally 6 % on XXXX. Well it 23. % and I could have paid cash at the time but wanted to work on credit. XXXX XXXX XXXX is XXXX to XXXX max and I agreed to price because of verbal rate, any way XXXX in interest 4 years please help, I love the car but this is crazy

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 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
In late summer last year, I got a notice from my bank that I was overdrawn. I immediately checked my account and found that my mortgage company had double charged me. 
I reached out to NewRez, the company that holds my mortgage. They claimed that there was a miscalculation in my escrow and that it had to get caught up. The also said they had a right to take what they need from my account since I signed up for auto-pay. 
They then raised my mortgage by {$400.00} a month. It has been at that rate ever since. 
I did some research. Between my NewRez statements, and the Tax Assessors office Ifound that my escrow account, as of right now, is 100 % funded right now for the entire year. At {$700.00} monthly, they have me on schedule to pay in {$8400.00} in one year, when my total yearly payout is {$4400.00}.

That is 90 % more, th

an escrow has to pay out, yet I am required to pay in!!!!!! I have reached out to NewRez first by phone and, after being on hold for 2 h
ours, used their email form. They do not have an email address listed. I received no response from NewRez right away. I tried SEVERAL more times to reach them via their phone system. Again, I was on hold forever. I also tried to use their auto callback system. This system claims you will not lose your place in line, and someone will call you back. Must be a long line since I am STILL waiting. 
Eventually I got postal mail from them stating basically we did what we were instructed and if you have any questions call. The number they list is the same number they never answer. 
This has extra charge has been crushing us financially. This will become substantially worse with my wife, as a XXXX  XXXX  XXXX, being forced out of work, since the XXXX  were all shut down. I already had to take a temporary pay cut to make it through the rough times. If they are allowed to continue to violate my finances, on threat of losing my house, I WILL end up losing it. 
I need help to keep my house at this point. They will keep this up till I lose it. 
Anything you can do to help fix this would be much appreciated. 
Mortgage Company Information : Loan ID-XXXX  NewRez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX Tel : XXXX Only way to email them is at this URL. https : //ezhub.newrez.com/home/servicing/help/contact-us

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My mother passed away XX/XX/2019 leaving behind a XXXX XXXX purchased from XXXX XXXX in XXXX Ohio. I have been keeping the payments up through XXXX XXXX, they were even called with the sales person listening as the Executor of her estate. 

I went to XXXX XXXX to trade the car in to be paid off. Upon doing so my credit was pulled assumably by XXXX XXXX for the dealership. 

The DEALERSHIP pulled 8 random finance companies without my consent. 

My credit score dropped from XXXX  to XXXX @ XXXX  and XXXX @ XXXX, XXXX  is now XXXX. 

I have a complaint with XXXX for Wells Fargo and Wells Fargo agreed to finance a vehicle from XXXX XXXX. 

I immediately started backing out with the sales person. How did they get this loan?? I don't want Wells Fargo, I thought you were using XXXX XXXX?? I told you my credit was above 700, why are you using Wells Fargo? 

The sales person said they didn't know how many points would be used or how they obtained credit and furthermore told me I was not allowed to inquire or engage with the financing department until I was approved. 

Unknown to me XXXX XXXX pulled 8 different banks and financial institutions to get RATE of Financing not the best credit score, intentionally grounding my credit in an effort to keep me from buying from another dealer without my permission. 

I continually asked how they obtained my credit, what bureau they used to insure the protection of my credit rating but the sales person XXXX did not disclose the information. 

Here 's a List Financial Institutions XXXX XXXX XXXX   XXXX XXXX  WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   During the signing the finance officer was so aggressive and omitting I refused to sign the sales contract without a 24 hour waiting period. I basically wanted to see what they had done, his aggressive attitude was a giveaway. 

The trade-in of my mothers car was not permitted without the right document from the court so I had to call the probate attorney while I was there to get that documentation right away. 

The finance person tried to lock me into that commitment without the legal documents for the trade-in so aggressively that I became suspicious and refuse to complete the paperwork without the court document needed for the transfer. 

The finance person said I would have to leave {$1000.00} downpayment to hold the vehicle of purchase and sign the sales contract to do it which would have bound me to the note without the trade-in value of my mothers car. I refused!!!

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 2020-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company, Credence Resource Management is trying to collect a debt that is not owed. Years ago, I had an account with XXXX XXXX. The account has been closed and paid in full. After closing the account, we were hit with Hurricane Harvey and there was a delay in the equipment being returned. Since then, the debt has been cleared up and has a XXXX   balance. This is the 3rd company that has now tried to make me a pay a deb that isn't even valid for XXXX XXXX. Please note that I also was an XXXX XXXX service member when the contract was cancelled and that was the reasoning in cancelling contract. This debt is bogus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I paid off total balance due on my credit card before the due date. Bank of America charged additional interest fees in the next billing statement. I attempted to speak directly with Bank of America but was faced with an hour and 5 minute hold time to speak with a customer service representative.

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 monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A company called XXXX  XXXX ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX  XXXX   XXXX  asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.

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 2020-03-22 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: TX

Complaint narrative:
someone had my information not sure but i'm blocked from getting online with all the credit bureaus

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 2020-03-22 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: TX

Complaint narrative:
someone had my information not sure but i'm blocked from getting online with all the credit bureaus

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.
State: PA

Complaint narrative:
A company called factual data ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX XXXX XXXX asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: Associated Credit Services, Inc.
State: OH

Complaint narrative:
I got an alert on XX/XX/2020, that Assoc Credit Services ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! Assoc. Credit Services had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with XXXX XXXX XXXX. I am attaching that original receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: OH

Complaint narrative:
I got an alert on XX/XX/2020, that XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! XXXX. XXXX XXXX had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with The XXXX XXXX. I am attaching that original receipt.

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 2020-03-22 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank does not report credit information accurately to all credit reporting agengies. Why doesn't Regions have a duty to report TRUTH IN LENDING CREDIT REPORTING? REGIONS FAILS TO REPORT see attatched 1 ) Regions Account ( XXXX ) {$50000.00} PAID AS AGREED XXXX BALANCE CLOSED XX/XX/2013. and 2 ) Account ( XXXX ) Limit {$15.00}, XXXX PAID AS AGREED XXXX BALANCE * NO CLOSING DATE? 
Why???

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 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
I purchased a home from XXXX XXXX in XX/XX/2018 XX/XX/XXXX used Movement Mortgage as one of there lenders I did all my paperwork with Movement Mortgage to receive a MCC Certificate.I tried to use it this year an was directed back to my lender to find out that it wasn't attached to my loan but they had everything I signed to receive it.This is not acceptable from a Mortgage company 30 year loan agreement with missing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
Fedloan has completely ignored all emails and calls. The department I need to speak with is shutdown and there is ZERO people to answer questions or help with difficulty making payments during coronavirus. They have shut their website down several times for so called maintenance and I am unable to view my loans or speak with anyone. I am refusing to make a payment as customer service has been horrid and for over two weeks have ignored all my emails and calls, they need to be held accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

Capital One garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched XX/XX/2019 Why did USAA Begin these Fraud Investigations??? WITH TEMPORARY CREDITS of Adjustment Purchases XX/XX/2019 I DID NOT REPORT FRAUD IN XX/XX/2019??? What is USAA Beginning Investigations on for these transactions that total {$410.00}????? ** What is the New Purchase posted of {$190.00}?? on XX/XX/2019 I DID NOT PURCHASE OR AUTHORIZE????? Why is no notice of any understanding provided? WHY ARE USAA CREDITS HIDDEN FROM CONSUMERS?? WHY HIDE THEM?? THINGS KEPT IN SECRET CREATE ABUSE. USAA IS ABUSIVE. NO RESOLVE OF FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
I applied for a loan with XXXX who denied me then referred me to XXXX who took all info my then OppLoan popped up saying congratulations with the most outrageous option for a XXXX loan ever. The option was XXXX a month for 3 years at 160 % interest which would result in me paying that company back XXXX for a XXXX loan! I am sending screen shots of this. I did not complete the app because that is extreme predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: DC

Complaint narrative:
XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my TransUnion report via XXXX 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 non-monetary relief
Consumer complaint received 2020-03-22 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: DC

Complaint narrative:
XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my Equifax credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent Equifax dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXXl XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX 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