vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.

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 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.

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 2020-04-14 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my Capital One credit card had fraud transactions to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both EXPERIAN and XXXX XXXX XXXX and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at Experian or XXXX XXXX XXXX in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.

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 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
After filing a previous complaint with CFBP regarding Bridgecrest refusing to help customers during the covid 19 pandemic, I received a call from a management representative on XX/XX/XXXX. The gentleman was professional and offered a 2 payment ( total of only one month, because I make bi-weekly payments ) deferment. I still dont believe this is adequate for most people in the situation the country is in at the moment. I feel 2-3 months is proper. However, that is not my problem. I asked the gentleman if I had to cancel my autopay for the deferment, and he stated that no, I did not, and that all I had to do was e-sign a loan modification form. 
I did so at the time it was sent to me. 
Today, XX/XX/XXXX, I received a call from XXXX from Bridgecrest stating that she needed my permission to cancel my autopay, so my payments wouldnt be taken out during the deferment. I told her that the gentleman I spoke to the day before said I did not have to do that, and I didnt understand why i was getting different answers. I told her I would just sign in online and do it myself, so I would be reminded to set it back up. 
After the call, I was busy taking dare of my XXXX XXXX, so I didnt just jump to go cancel it the autopay. I received a call one hour and 45 minutes later. I missed the call but called back. The new agent told me that in order to even approve the deferment, that I had to cancel my autopay. At this point I was very frustrated. I told the gentleman that every time Ive spoken to anyone at the company, and I havent called but maybe 4-5 times in 2.5 years, that everyone I had ever talked to gave me a completely different answer and no one ever answered a question the same way twice. 
I tried to voice my concerns as to how they handle business, and in no way ever disrespected the representative. I even made it a point to tell him several times that my problem wasnt with him, but the company. He proceeded to tell me that if I was going to disrespect his company that he would just end the call. 

This company never ceases to amaze me. They dont want to help customers, they only offer to after someone makes a complaint about them, and then want to do only the bare minimum and still give you the run around to get something that should be so simple, done. Ive asked them to not call me again unless its something important but if they feel the need to explain their incompetence to me on the phone, I give them permission to call me or my wife. 
Something needs to be done about their poor customer service and business practice. It shouldnt take everyone filing complaints on them to offer to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: TX

Complaint narrative:
THE SCHOOL XXXX  XXXX UNIVERSITY IS TRYING TO DESTROY MY PERSONAL CREDIT AFTER I WAS A TOP A STUDENT THERE. I HAD TO WITHDRAW DUE TO PERSONAL REASONS, AND I ASKED THE DISENROLLMENT COUNSELORS IF THERE WAS GOING TO BE ANYTHING ANY FINANCIAL IMPACT. I WAS TOLD NO AND THAT MY STUDENT LOANS HAD ALREADY BEEN PAID AND COVERED MY TUITION AND EXPENSES. I ACTUALLY CURRENTLY PAY ON THOSE STUDENT LOANS NOW. I RECEIVED A BILL FROM THE SCHOOL FOR ANOTHER {$10000.00} OUTSIDE OF MY STUDENT LOANS. THIS IS FRAUDULENT PRACTICES. HOW CAN THEY COLLECT FROM THE GOVERNMENT TO COVER MY COSTS, THEN ALSO BILL FOR A PORTION ON THE BACKEND WHICH WILL IMPACT MY PERSONAL CREDIT MORE THAN THE STUDENT LOANS. THIS IS UNFAIR BUSINESS PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for an application for a PPP Covid19 Loan within 36 hours of it being offered. I submitted my application for the application. I have not received an application. I have received continued emails from Wells Fargo indicating that I have a place in the queue and if they get to my place, I will be offered an application. Wells has indicated that I should consider applying elsewhere. I have called some other banks. All have the requirement that you have a business checking account and some kind of credit with them. My only business checking account is with Wells and I can not apply elsewhere. I believe that I have been defrauded by Wells. They have offered a product that they can not provide. Please let me know if there is anything I can do to get my loan. 

Thanks. 

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 2020-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have THREE problems. 
( 1 ) I checked my credit again today, and a nonsense address CONTINUES to be listed. I contacted both XXXX and Bank of America and the incorrect address continues to be shown. That address is XXXX XXXX XXXX, XXXX, CA XXXX. That address doesn't exist. I've called and confirmed they are going to remove this and they don't do anything. They tell me they'll do it, and NOTHING. 
( 2 ) My credit card with XXXX through XXXX doesn't appear at all. I've had this card a long time. I don't understand why it doesn't show up on my credit report. 
( 3 ) They have an incorrect social security number last four of XXXX listed. That's not my SSN. 

I don't know how the banking industry can exist with these absolute fools and incompetents doing credit reports. Credit reports are important. Inaccurate, missing, and just plain XXXX  XXXX does not help the banking industry. I want this stuff fixed and there's no way to speak to anyone at XXXX or Bank of America in any reasonable amount of time ( hours on hold ) AND you can't do it via email or mail - there's no addresses provided. These people make big money with this XXXX and there is NO SERVICE to help get corrections.

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 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage IS NOT COMPLIANT WITH CARES ACT, I called and spoke to representative to get Forbearance for 180 day under COVID -19 CARES act, they stated that someone will call me to discuss situation and to send form for COVID -19 financial hardship Notification. I did that right away. I also asked if this will reflect my credit, the answer was we are still smoothing things out, someone will call you back. I received the letter on XX/XX/20 stating that they are only approving me for Forbearance for 90 days and they are reporting this to a credit report company. I found out that my mortgage is under XXXX XXXX. No one called me back to discuss any options at all and about repayment plan. I understand that under COVID-19 CARES act that my credit will not be effected and I need 180 days of Forbearance and might need additional 180 days. What can I do, please help and advise.

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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/2020 {$110.00} Haven't taken any action yet but I will soon talk to a lawyer if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt, and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist and that this account has been placed with Diversified Adjustment Service, Inc for collection. The account has been placed with Diversified Adjustment Service, however, it is being reported by XXXX XXXX XXXX on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Self Lender Inc
State: FL

Complaint narrative:
i paid them off in XX/XX/2020 and they are not givng me back the 1rst loan i took out of a credit builder cd and now their threating to hold all my funds and not pay. at this time i paid over XXXX dollars in interest and fees and now they holding my funds hostage i send them my id and they still dammand more and mroe as they rack up internist payments and not giving em a dime. XXXX XXXX aka XXXX XXXX is committing fraud and imbeselment. here is the off the cuff email they sent me " If you close the account without sending the documents the payout will be frozen. Please confirm you want to close the card. '' Please let me know if you have any questions. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NC

Complaint narrative:
I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, TRANSUNION AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.

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 2020-04-14 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: IL

Complaint narrative:
My problem is with Equifax credit agency, I have on numerous times reached out to them explain am a victim of identity theft and sent the affidavit from the FTC still they will not remove these negative accounts. I have asked them to send me a copy f the contract, still nothing just them saying it's been verified, really how, give me proof so I can go to court and show the courts. still nothing. The negative accounts reporting on my Equifax account are XXXX XXXX XXXX 's XXXX XXXX XXXX they are inaccurate and is affecting me mentally and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I started receiving alerts from Experian and XXXX that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, XXXX, Experian has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged interest for {$15.00} from Capital one quicksilver card. I am using the card for 5 months with it's promised 0 % APR for 15 months. I find it unfair to be charged interest and this is my assumption that I need to complain against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Team, I have been attempting to obtain a payoff demand letter from CitiMortgage. They claim this is currently in their Centralized Recovery Department. Originally, they kept transferring me to XXXX who originally was the service provider on this loan but they are no longer involved. They told me to contact CitiMortgage. Also, a representative in CitiMortgage, told me recovery will need to assist me. 

I sent faxes but the phone line is not manned and I can understand due to COVID-19 but the email the representative provided me bounced back. 

I need a payment demand letter so I can pay CitiMortgage. I am selling my house and we were supposed to close this week but Citi has been completely unresponsive. Even reps have been hanging up on me, transferring me back to XXXX  when I tell them, they can't help me. 

I simply want to pay CITIMORTGAGE to move forward or I'm going to lose this opportunity to sell my home. 

Please contact me with any questions at XXXX or email at : XXXX My loan with CITI is : XXXX -- as I mentioned, the rep will think it's with XXXX  but it's not. 

Thank you for any assistance you can provide. 

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