vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter Finance Corp . Gave me a loan for a XXXX  XXXX XXXX about the end of XXXX. They applied my first 2 payments ( checks ) to my account that are being paid by a payment management company ( XXXX XXXX  ). My 3rd payment, they cashed the check and did not apply the money to my account. I had my payment company provide them there proof of payment as they requested. They cashed the check for my 4th payment and did not apply it to my account again. This being the second time ( 2 months in a row ), I had my payment management company send them the documentation again and requested they refund me the extra interest fees that got charged to the account since they allowed interest to accrue to my account 2 months in a row with and the lender actually had the money. The lender told me there is nothing they can do to refund me the extra interest charges because it posted late to the account and told me they were doing me a favor not charging me late fees. My payment company and the lender setup electronic payments for future payments. The lender has now failed to apply my 5th payment even though it was electronic. I filed multiple complaints through the lender. I was told a supervisor would call me each time and no one attempted to call me. I had to call them back. One supervisor told me he would look into the problem and put a reminder on his calendar to call me back. He never did. Exeter is now forcing me to prove to them again that they have been paid. My understanding is this is a predatory lending practice to attempt to take advantage of consumers that do not know any better or will just give in to the lenders requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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:
XXXX {$30000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 85 Months Monthly Payment {$640.00} Responsibility Individual Balance {$30000.00} Highest Balance {$45000.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/0/0 Remarks --

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing ( Loan Number XXXX ) has been making unauthorized withdrawals from my checking account in order to pay for forced-place homeowners insurnace. 

I have repeatedly provided proof of homeowners insurance ( XXXX ) and yet they continued to extract money from my account to the total of {$7700.00}. 

Repeated emails to the customer service has yielded only a halt to extracting the insurance premiums, but very little ( {$2700.00} ) in the way of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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:
I am reporting late payments to my credit that are affecting my XXXXredit score and I need action to be taken on the matter. I have reported it to  Experian and they have not taken any action in my favor!! right now I am coming to you so that you please demand that they remove the late payment from me! Thank you very much from XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: TX

Complaint narrative:
The vehicle was traded in XXXX and a payoff amount was sent to XXXX in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My Ex-husband recently passed away and our children asked me to be the executor of his estate. We have tried to communicate with his mortgage servicing company about his mortgage and they require multiple documents. One specific is issued by the Clerk of Court certifying that I am the executor. The mortgage company requested either Letters of Administration or Letters Testamentary with visible county seal. Upon our visit to the Clerk of Court in XXXX XXXX, NC, the clerk asked why. Noting that my ex-husband 's estate only consisted of equity in his primary real estate, the clerk recommended and then issued an Affidavit for Collection of  Personal Property of Decedent. We sent this along with the other requested documents XX/XX/2020 only to receive a letter asking for the originally requested documents and a closing statement saying if you have questions please call. We have called multiple times to inquire about why the form recommended by the Clerk is not acceptable. Each time, the person on the phone can not help us, transfers us and then we are disconnected. I have spent hours on the phone getting no where. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The vehicle was traded in XXXX and a payoff amount was sent to Santandar in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
As per the Cares Act I needed to do a Mortgage forbearance due to loss of income due to covid-19. I was approved for a 90 day mortgage Forbearance. I paid 30 day and only needed a Forbearance for 60 days two months. As my forbearance ended XX/XX/2020 it was immediately reported to my Credit agency as being Delinquent and over 60 days past due. Which caused over 85 points to drop on my credit score. Now putting me at risk for not getting the proper credit needed. I even called the mortgage company at the end of XXXX to see how I will pay back the 60 days I owed and was told the results will be mailed out to me. And to continue paying my current payments which is after the forbearance which I did. This is a violation to the Cares act put into place to help People like myself who was trying to keep a roof over there family during these hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX LVNV Funding LLC Original Creditor- XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I made a purchase for a XXXX XXXX XXXXXXXX for {$97.00} using my Capital One Plantinum credit card. The purchase showed up on my statement as grocery from *XXXX XXXX MD XXXX XXXX XXXX After not receiving the merchandise I made a dispute through my Capital One credit card. I was then notified that the merchant had responded and the charge was added back to my credit card. I then contacted Capital One and was told they would send me a letter requesting additional information. I attempted to contact XXXX on XX/XX/XXXX to get information on the purchase however they refuse to assist me and told me I needed to go through my credit card company. Today, Friday XX/XX/XXXX, I received the letter from Capital One stating I needed to provide additional information and also had a copy of the information from the owner of *XXXX  XXXX MD XXXX USA on XX/XX/2020 XXXX which showed a response saying My account was hacked. I am NOT the seller. XXXX is aware and put a block on my account and I have a claim number. I do not sell anything. My local police department has a report as well. After reading this, I contacted Capital One. I was on the line over an hour and a half, the 1st agent stated he was sorry, they do see the response and would ensure it was cared for but again, asked me to provide additional information. I reminded him, I do NOT have anything, no email, no confirmation, no merchandise, or anything I can provide and eventually asked to escalate the call to a manager. She left me on hold to review the account only to tell me I needed to contact XXXX. I explained that I had already done so and there was no was to get to an actual person. I personally had to create an online account to speak to someone using chat. She then attempted to get someone on the line through XXXX to no avail. She returned to the line only to tell me Id have to contact them. I told her I was not speaking to anyone else, I have spent a month trying to resolve this and obviously no one wants to take care of it and I also informed her that I would be filing a complaint through CFPB and hope to get a better outcome since Capital One and XXXX are not willing to take care of this for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX The Receivable Management Original Creditor- XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$150.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX 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
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX National Credit Adjuster Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2020, I product changed my two credit cards with US Bank to different products and a month later I noticed that US Bank reported the recently product changed cards to XXXX as separate accounts which made my report show four US Bank accounts even though I only have two accounts with US Bank, after a series of failed disputes with XXXX my report is currently showing two US Bank accounts that represent the same account as the old and new product while the second account disappeared completely from my report. I am attaching a screenshot of my current report which is showing the same account listed twice. 

To illustrate the current account ending in XXXX was product changed and used to end in XXXX and both are showing separately on XXXX even though XXXX shouldn't. The second account ending in XXXX is not being reported which it should.

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 2020-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- Speedy Cash Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
after having my debit card cancelled the boa bank of america let visa notify XXXX computers my new debit card number and they should not be allowed ( visa ) to give out your new debit card to anyone, without permission. This is an illegal transaction why get a new debit card if the credit card visa is going to just give it out. This should not happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I settled a debt collections account with Midwest Recovery Systems on XX/XX/2020 for {$670.00} for an account that originated from XXXX. I received confirmation that the debt was settled and that a deletion would occur. All of my credit reports were updated relatively quickly, and were all removed fairly quickly. However, as of today, XX/XX/2020, this collections account has reappeared on my XXXX report. This account needs to be removed ASAP. I am upset that it was removed and then reestablished on my credit report. This is probably the 5th or so issue I have had with MRS. Each time they continue to mess up my credit with either putting debts that are well over 10 years old on my credit, and now putting new collections on my credit profile that have already been paid. I have attached a redacted transaction of my bank account with the payment authorization and clearance. The letter of deletion I received from MRS via email. As well as a copy of XXXX credit report indicating that MRS updated my credit profile on XX/XX/2020 to re-add this collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking and savings account with Chase on XX/XX/XXXX. I had fraud on my chase accounts back in XXXX and they had to close my accounts. 

I opened my accounts on XX/XX/XXXX and was assured everything will be fine and my account will not close. 

A week later i get a letter from Chase saying theyre closing my account and cant give me a reason why theyre closing it. I did make a deposit of {$50000.00} when i opened my account since i was putting my money in a new account. Dont know if that would be the reason why. 

Then i get a letter from chase today XX/XX/XXXX to call and confirm i opened the account so they can keep it active so now Im confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2018, XXXX XXXX numbers got compromised on Synchrony Bank 's end and even though I never lost my card, the bank went ahead and replaced it with a new card that had a different number which was okay. A month later I noticed Synchrony Bank reported the replacement card as a different account on all my three major credit reports, while listing the cancelled card as a closed account. This is a huge mistake since I only opened and signed for one XXXX XXXX with Synchrony Bank and they should only report a total of one account to the credit bureaus and not two. I had other cards issued by Synchrony Bank replaced due to fraud and never reported twice. 

I attached a picture of my XXXX  credit report as of today showing a clear duplicate listing of my XXXX XXXX and that's how it's listed on the other two credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/2020 my vehicle loan with KIA MOTORS FINANCE was paid off in full, after the loan was paid off. KIA MOTORS FINANCE decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX XXXX and XXXX the Charge off. 
On XX/XX/2020 I contacted KIA MOTORS FINANCE of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 KIA MOTORS FINANCE again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of KIA MOTORS FINANCE misrepresentation reported to the 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