vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XX/XX/2021 I went to XXXX XXXX of XXXX for to test drive a vehicle that I had seen advertised on their website and had made a specific appointment to see. 

*The window sticker was not available for me to view even when I asked to see it and asked for information ( EPA ) that would have been on the sticker. 
*The salesman XXXX XXXX did not tell me the price of the car when I asked him repeatedly. 
*When applying for an " estimate '' for the loan I was ignored when I requested several times to add a co-borrower so I could take advantage of the best interest rate Kia offered. 
*XXXX  XXXX and XXXX XXXX engaged in high pressure sales tactic that included deception, bullying and intimidation. 
* I was never shown my options for loan terms so I could make an informed decision even though I asked for them in writing. 
*My electronic signature was " accepted '' and used by XXXX XXXX the finance manager without my consent when he clicked on all of my signature spots on an XXXX. 
*I was told I was giving my information for an application not for a contract. 
*I asked to see a copy of the paperwork several times and was told I could " see it later '' *I was told I qualified for {$1000.00} cash incentive from the dealership, then it was not applied. 
*I said I did not want any warranties, service contracts or gap insurance and those were applied to the loan anyway. 
*I was told I could not leave the new car on the lot through bullying and intimidation. I was pressured into leaving the lot with the new vehicle including following me to the bathroom and waiting outside the door, and not allowing me to call my insurance company to add the car to my policy. 
* I found all of the relevant paperwork including the window sticker in the glove box of the car after arriving at my home. 
*I returned the car to the dealership on Sunday XX/XX/2021, as I believe I do not own it. 

No contract was formed as I was led by fraud by inducement.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently disputed a bankruptcy on my credit report at the three credit bureaus. They intern responded to the dispute. confirming the bankruptcy stating the the information was provided by the US BKPT CT MA XXXX I intern wrote the US BKPT CT MA XXXX confirming their procedures in regards to bankruptcy records, with which the responded confirming the DO NOT supply these records to the credit bureaus ( see attached ). 

I then sent a copy of this letter from US BKPT CT MA XXXX to each of the credit bureaus, along with a letter identifying the mistake they had made and requesting its removal from my account They have continue to refuse its removal

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I placed my loan in forbearance from the cares act in XXXX of XXXX due to my wife and I both being placed on furlough with zero income. We were both back to full time work at the end on XXXX and we requested to come out of forbearance on XX/XX/XXXX. I made an initial payment on that day of {$1400.00} and it posted on XX/XX/XXXX, XXXX. I was told it would take 30 days to come out of forbearance and my XX/XX/XXXX my account would be current with a deferral. I continued making payments on XX/XX/XXXX of {$140000.00} and on XX/XX/XXXX of {$1400.00}. During which I started a refi on my house through a different company as I was told my account deferral would go through by XX/XX/XXXX as it would only take 30 days to update. I continued to check on my account and get it escalated as it was not being processed as promised. To date this has still not processed and is holding me up on a refi. I keep getting told it will be escalated and it will update soon but no one can tell me why its held up or when it will actually process as I continue to be put in limbo. Currently this is costing me from going to a 4 % interest rate to a 2.875 % rate which will lower payments by {$300.00} a month for me. Flagstar only keeps telling me there is nothing they can do as it is in the works and process needs to take place.

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 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I reached out to PROCOLLECT , INC about a debt that was being reporting on my credit report from XXXX XXXX XXXX. I first reached out to XXXX XXXX XXXX  MANAGER FOR PROCOLLECT , INC VIA EMAIL at XXXX. I asked to be provide validation documents of the debt. On Friday XX/XX/2021 I received a email from XXXX XXXX the Assistant Director of Correspondence & Bankruptcy Resolution for PROCOLLECT , INC with a document of charges that wasn't legible and was faded. On Monday XX/XX/2021 I reached back out to XXXX XXXX XXXX an asked to be provided a LEGIBLE DOCUMENT OF MY CHARGES. She then provided me an document that has been tampered with.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX-Account number XXXX for {$210.00} -- XXXX XXXX-Account number XXXX for {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2021, Chase decreased the limit significantly on all 5 of my credit cards issued by them. This was due to an error on my credit report where I was being reported seriously delinquent on an account. The error has been cleared up on my credit report. However, Chase says I must request a limit increase to have my limits restored. It would appear as in inquiry on my credit report. As I was decreased due to an error, they should restore the credit limits on all 5 of my cards without a hard pull to my credit reports, but they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with Wells Fargo. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with Wells Fargo led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2021-04-19 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: AL

Complaint narrative:
In XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2021-04-19 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: GA

Complaint narrative:
Some used my information to get medical services in florida. Exparian refuses to block information from my report. Im sent in a copy of my ftc 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 non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I had fraudulent activity that took place on my XXXX XXXX checking account. There was an error with the payment that should have been debited on my account onXX/XX/2020, instead GM Financial processed onXX/XX/2020. I contacted GM Financial and informed them there was fraud on my checking account and that transaction needed to be reversed as my account was under investigation. I was informed that there was nothing they could do. Because the bank account option was removed from my online payment methods of choice, I was unable to set up an automatic payment forXX/XX/2020/ This has caused a late payment to affect my credit report. XXXX XXXX provided documentation stating this was not my fault and that GM Financial should remove the late payment. After reaching out to GM Financial, I was informed that the 1 late payment history could not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
I am trying to have my PMI removed since I am within .5 % of the LTV guidelines in order to have this happen. I currently have an LTV of 80.23 % and am aware that by law once my LTV reached 80 % I can request it be removed and the mortgage company has to do so. I reached out on XX/XX/2021 to have this issue resolved, not only could I not get anyone on the phone but I could not get a clear answer as to what department to speak to. I finally got ahold of the refinancing department and they agreed to mail me the proper documentation needed to have my PMI removed. Once I received these documents and read them at length they explicitly state that once my LTV reaches 80 % I can simply submit a request to have my PMI removed and once it is confirmed by my mortgage company they will remove it. It gives me the option to pay for a BPO or an appraisal but since I am only .23 % over the necessary requirements to ask for it to be removed, I intend to make the necessary payment to reach the 79 % LTV and just have it removed. I sent an email on XX/XX/2021 through the online portal about this and received a response on XX/XX/2021 telling me to contact caliber home loans. 

I reached out today XX/XX/2021 about this issue and was told that the investor who has my loan will not let me remove the PMI without doing a BPO or appraisal I explained to the woman on the phone that is not how this works and she did not have an answer for me. I also explained that I have letters from caliber that directly contradict what she was saying, and that the website says at 75 % it will automatically be removed. She was of no help and no further assistance, she couldn't even tell me what amount to pay to have the LTV drop below 80 %.

I have never missed a payment, and have been trying to get the PMI removed since the beginning of 2021. I can make whatever payment is necessary to meet whatever LTV is necessary to have my PMI removed but nobody at Caliber home loans is able to provide me with that information. I am the ideal candidate to have my PMI removed and I want it done, asap. The mortgage company is not willing to work with me, and it is not my burden to pay for a BPO when I have already met the guidelines. After this month my LTV will be 80 % or lower without me having to make an additional payment. 

I am requesting this be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Good morning! About 5 years ago I was with a guy who purchased a used car from a dealership using a company they recommended to finance. The sales guy was extremely pushy because he noticed that neither the guy or myself had any experience with the process of buying a used vehicle. I was peer pressured into co signing by both the sales rep and the guy I was with, even though it was not disclosed that I would be responsible for the vehicle if I am co-signer. The sales representative also required us to put a card on file and said that I should put mine, since my credit score was better. He said it is just for their records and that card will not be charged. The down payment that day was {$400.00} and it was paid in cash by the guy I was with. Suspiciously, a few days later that same card go hacked ... 
About a month of two later the guy found out that the vehicle was defective and the problem was temporarily fixed before he purchased the vehicle, so he returned it XXXX voluntarily it was not repossessed ). At the time of him returning the vehicle I was not even in the country or made aware of the situation. 
Fast forward, now I am dealing with the consequences on my credit score for signing under duress and the company 's false advertisement. I have done extensive research and have found many similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
So I'm a XXXX XXXX XXXX that receives the XXXX bill XXXX military pays for my schooling ) ''. I received a notice on my phone that I had a *Collection alert * from CONSERVE ( XX/XX/2021 ) on my XXXX  App. I was surprise to see that when I know the military pays for my schooling. At the time I was trying to purchase a house so I was like I'll just pay it. ( XX/XX/2021 ) After paying for the collection on ( XXXX ) I received a notification that the account was paid in full. Now as of today ( XX/XX/2021 ) I still have that same collection on my credit report. I called CONSERVE and ask them how long it will take for them to take the collection off my credit, there response was you have to contact the credit bureau now that you have PAID us. Please help me solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/2020 i paid off my XXXX XXXX loan. I received the escrow for the loan. In the contract written by money lion it says i will be able to cancel my membership after paying off the loan. Money lion has prevented me from canceling my membership. Not only has money lion prevented me from canceling my membership i have been charged a weekly membership fee and fraudulent reports have been filed on my credit report. I submitted documents showing i paid off the loan in XX/XX/2020 but every time i call the customer service number they tell me to wait longer. it has been well over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, Coinbase locked my account without any reason or notice. I have been contacting them daily regarding unlocking it and have not received any correspondence beyond " Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' I have not been able to log into my account, sell/trade, or perform any actions. I have tried contacting on XXXX and XXXX and have only found more people complaining of the same issues. Some of this people ( especially in the XXXX group Coinbase ) are saying they have been locked out of their account for months without reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had two credit cards with Bank Of America. One was a cashback reward card and the other was a point reward card. I had the cards for a number of years and paid them on time. A few months ago Bank Of America arbitrarily decided to close both accounts. I tried using the rewards that had accumulated but it wasn't working. I called Bank Of America and was told that I had forfeited the points because my account was closed even though I wasn't the one that closed the accounts.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I applied for a CC I was prompted that I will be contacted soon. I know I have a Fraud alert on my account, The process is the same I call in and Verify my identity. when I called in I was transferred to Application Fraud Department and XXXX was unhelpful Belligerent and rude to me. When I offered to verify my identity he stated he declined my application. He did not allow me the opportunity to verify and I asked for a supervisor in which XXXX responded rudely " They will tell you same thing '' and tried hanging up on me until I repeated several times to get a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.

Company response to consumer: Closed with explanation