vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: MA

Complaint narrative:
I had a {$1000.00} transaction done on Skrill Inc using their app for international transfer on XXXX XXXX. The transaction was cancelled and my account was closed immediately by Skrill, but the amount was deducted from my account on XXXX. No explanation was given nor did I have an option to appeal as I believe I had not violated any policy. After reaching out for the reason, I was provided with a copy of their faq. After following up multiple times for the refund, they told me a different story every time. First I was told 5 days, then 7 days and finally, they say they can not provide any estimates on refunds. I have no clue if the amount will ever be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Accepted Settlement Offer ( See attached and did make payment on-time each month ) However, the creditor still reporting to the credit reporting bureau this is a charge-off account since XX/XX/2020.

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Received a notice of checking and savings account and debit card from Bank of America. Called Bank of America and had accounts closed. Initial date was XX/XX/2020 when account was initiated by unknown. Have also reported fraud with XXXX. Changed passwords on multiple areas

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 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc.
State: NC

Complaint narrative:
The company, Lending Tree approved me for a loan of {$3000.00}. They had me send money back through XXXX XXXX for verification as well as buy a gift card for some odd reason. Theyre still having me do unconventional methods to receive funds but still havent received my funds. I believe the company is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
navient is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted Navient they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact XXXX XXXX and XXXX  directly to see what is going on and they continue to tell me they receive all their information from navient. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to navient 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXX we returned our leased vehicle to the dealer as instructed. This was during the beginning of the pandemic. We were told we would be contacted by the leasing company regarding next steps. Several months passed and we did not hear anything. Finally sometime around XXXX/XXXX we were contacted about the vehicle 's inspection, completed the required forms, and were told we would receive the final end of lease terms and payment information in a separate communication. Again months passed by and we heard nothing. We eventually received a call from the lease company 's debt collection service that our final payment of approximately {$850.00} dollars was passed due. We explained that we never received any type of written or verbal communication regarding the final payment. We were told that the company had the wrong address on file ( we did move during the time of the lease ), but that we had nothing to fear as long as we paid the final bill, which we did. This completed our obligation for the lease. Unfortunately the payment was recorded as 30 days late and is now reeking havoc with our credit. Given that the pandemic caused all types of delays and that there was never any formal written communication regarding our end of lease payment we felt it wasn't fair to have our credit dinged with a late notice. We appealed to the leasing company ( see attached ) but they have been reluctant to work with us. I'm hoping this can be rectified. We have paid the lease in full and just want our credit restored by having the delinquency note removed.

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 2020-12-16 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: DISCOVER BANK
State: TX

Complaint narrative:
This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( discover financial services XXXX  ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: NC

Complaint narrative:
Equifax is the only credit bureau that shows a hard inquiry yon XX/XX/2019 from XXXX XXXX. After investigating with XXXX XXXX, no application was filed or account opened under my social security number. Equifax needs documentation from you to begin the removal process from my credit report. I suspect this to be an Equifax system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Took out a loan in XX/XX/2020, online for {$2000.00}. No information sent regarding payments, interest, how to pay nothing. Spoke to a rep in XXXX who removed late fee, said that bills would be mailed and made sure it wouldn't be on my credit report. XX/XX/2020, no information received, rep states they have a different email. So now my privacy compromised, late fees and it is on my credit report as late. Rep would not remove fee or reverse information on my credit report. I paid all monies owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I applied for a mortgage refinance in XX/XX/2020 through Quicken Loan 's Rocket Mortgage. The application process was very smooth and quick. We got an appraisal and were moving along quite rapidly to my delight. Then due to a deferred second lien on the home from a down payment grant when initially purchased the delays began. I then went back and forth with Quicken/Rocket numerous times trying to ensure i am not being over billed for what i owe. A reasonable consumer would not be able to understand what was happening and would very likely seen harm from this extremely terrible process. It wasn't until XX/XX/XXXX that we got to the closing table. At that time I am signing legal documents stating the amounts I, quicken and my current mortgage company agree are the amounts. It is now XX/XX/XXXX and my current mortgage has not been paid off causing me to make an additional payment when i was ensured that as long as closing was before XX/XX/XXXX i would not need to. More importantly i am presumably paying interest on 2 mortgages for 1 home. This is unacceptable and needs to be addressed. I am very sad that i continued with this company given the absolutely terrible experience i have had. Please work with them to make sure customers looking for a quick an easy process are not harmed by something hidden in the unknown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I was charged an application fee of {$100.00} from PennyMac for a home mortgage refinance and given a rate lock for 45 days. I have provided all documents as requested within hours of such request. 

On XX/XX/XXXX I was given a closing disclosure that was far from accurate and misrepresented my local property tax amount, tax balance and APR. 

I asked for this to be corrected and I have not seen an updated closing disclosure nor do I have closing date. I have also asked for an explanation on why the APR was different and they did not explain it.

I have not heard any updates from PennyMac on where this loan stands and it's been over 75 days from the application submission and nearly a month since the inaccurate loan disclosure was provided. I have provided updated tax information which is publicly available on the county website and updated payoff figures from my mortgage company. PennyMac does not answer its emails and its phone systems continuously ring or go to voicemails that are not setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I began an auto loan with Huntington for my XXXX XXXX in XX/XX/XXXX. My monthly payment was {$390.00}. At the time my monthly income was around {$4500.00}. 

In XX/XX/XXXX I was laid off due to the Covid-19 pandemic. For a while I was able to make payments on the loan with my unemployment allowance. I found a job finally in XX/XX/XXXX and I took a pay cut of over 50 %, I now take home about {$2000.00} before taxes per month. I simply can not afford all of my bills. 

My grandmother ( who is a co-signer ) and I requested a hardship modification to the loan in XXXX. We were expecting a large monthly payment discount, or an interest rate reduction. We were very disappointed with the companies response. They offered a monthly reduction of {$35.00} simply by extending the loan. They refused to adjust the loans interest rate. 

I have attempted to reach the department that makes the adjustment via the phone number on the letter we received. However it goes straight to voicemail and I have left several messages.

In a time where the entire country is struggling, and I have made it clear I do not make enough to afford any of my bills, I expected more from Huntington with my request for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
XXXX  is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted XXXX they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact Trans Union and XXXX  directly to see what is going on and they continue to tell me they receive all their information from XXXX. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to XXXX 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it

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 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I noticed different accounts on my credit report that I have no knowledge of. I requested the accounts be verified to no avail. 
There are 12 inquiries from different banks in which I never consented. 
XXXX, XXXX  and Experian has been reporting these accounts without verifying them. 
XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX  {$580.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Predatory Lending Practices : I called Comenity, Ann Taylor Mastercard ( XXXX ) and attempted to establish automatic payments. The website only allows customers to set up one-time payments. In the past I had established automatic payments by calling. I was told today, by two separate representatives, that the website is the only way to set up payments. I informed each rep that the website does not allow automatic payment setup. They claimed it was a glitch to which I responded that the website has never offered automatic payments and last time I wanted them I had to call, which was last year. The reps claimed there was nothing they could do. I requested to speak with a manager to no avail. 

This is a predatory lending practice ; to deny automatic payments in the hopes that customers will miss payments and the company will collect fees. In addition to denying basic services, the service reps were disingenuous as they insisted that automatic payments could be set up online. I cancelled my account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A XX/XX/XXXXpayment was made on XXXX XX/XX/20 for XXXX with XX/XX/XXXX+ {$6.00} fee. from my debit card the recipient can not get into his fb acct he tried through a tech support still can't get in so he opened a new XX/XX/XXXXacct he doesn't see the $ I reported this to XXXX it appears to be automated can't speak to a live person I also disputed the claim with my banking institution normally with a debit card you receive temporary credit bank refused to do so I was also accused of lying by there employee who handled my claim she claimed the recipient received the funds without checking or researching which I didn't apppreciate recipient can not access his acct he doesn't remember his old password must be having problems resetting it.

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 2020-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: MD

Complaint narrative:
We were approved for a mortgage loan by Home American Mortgage Group in respect of a property named XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX. We are first time home buyers and so they took from us the sum of {$6000.00} as earnest deposit. However, nearing completion, this company said to us that they ran our credit score again and that I failed because my credit score dropped but my spouse score was still good but she dont earn enough? They took our earnest deposit claiming that we breached the agreement. 
We later found out from the score sent to us by my bank that this wasnt the case. My credit score is still good for approval. 
We are seeking your intervention so that we could get our {$6000.00} back from Home American Mortgage Group.

Thanks

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 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC
State: NC

Complaint narrative:
I have payed this depth collection agency name ; Nelson Cruz and Associates from XXXX XXXX. I no longer owe this company and would like to have it remove from my collection. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: AL

Complaint narrative:
I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1.XX/XX/XXXXXX/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