vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-26 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am a joint owner in this lian with my niece. Payments were behind with Credit Acceptance XXXX XXXX XXXX Mi XXXX. The account charged off in 2018 we were sued and payment arrangements were made with the attorney. It looks like the charge off was reversed and it is appearing as an open delinquent account on my credit bureau. I never received a notice that this was going to be done. I thought once an account was charged off that it remained as such unless an error was made by the creditor.

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 2020-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc
State: FL

Complaint narrative:
I have a VA Loan with Mid America Mortgage. I have a buyer that wants to assume the loan. All calls to Mid America Mortgage are transferred to XXXX. A call center in XXXX has all of my personal info for my VA Loan.  The call center would email me scam. This should be a crime. I have called Mid America Mortgage at least 10 times, I have emailed them. No response. They are clearly not able to do there jobs. Can you revoke there license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
Leases a XXXX XXXX XXXX in XXXX, XXXX while I was living in XXXX  ( XXXX XXXX ) Hyundai Motor Finance holds the paper. ( XXXX XXXX XXXX, XXXX XXXX  XXXX, Ph XXXX ACC'T number XXXX ) I moved to XXXX  in XXXX, XXXX. The vehicle was registered in XXXX XXXX XXXX XXXX XXXX was shown as the lien holder. Monthly statements were sent to my XXXX address. 
In XX/XX/XXXX I decided to purchased the subject vehicle. I was instructed by Hyundai Motor Finance to obtain a payoff letter from the local XXXX XXXX. ( XXXX XXXX of XXXX XXXX, XXXX ; XXXX. XXXX ) Upon receipt of the payoff, ( Estoppel ), letter and other required documents I obtained a loan from XXXX XXXX XXXX to purchase the subject vehicle. A bank check in the amount of {$10000.00}, ( the amount stated on the estoppel letter ) was mailed on XX/XX/XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, the designated address on the Estoppel letter. My XX/XX/XXXX statement from Hyundai Finance shows these funds these funds were received on XXXX. 

I have now been informed by Hyundai Finance that they are " refunding '' these finds to me, because the vehicle is " garaged '' in XXXX  and I will have to go through the dealership in XXXX where I originally leased the vehicle. 

First, I have know idea what they mean by " garaged ''. They knew of should have known the vehicle is in XXXX, base on the fact that it is registered here, and because of the monthly statements coming to my XXXX address. 
Second, there is no mention of this requirement in the Estoppel, ( payoff ), letter. Now it has been awhile, but if my memory serve me correctly the purpose of obtaining an Estoppel letter is to prevent any further claims from be asserted. You get one bite at the apple. 

I have met all the requirements of their Estoppel letter, therefore the remedy I am seeking is to get a clean title in order that I may add the new lien holder, XXXX XXXX XXXX. 

It is grossly unfair to require me, without prior notice, to deal with a dealership 880 miles from my home. 
I am, as I always have been current, on the monthly payments, but I suspect Hyundai Motor finance will expect me to make the XX/XX/XXXX payment. 

This whole episode is ridiculous ; I have never heard a a lender refusing to take the funds necessary to payoff a loan.

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 2020-06-26 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had four credit cards with Citibank for many years. I have always paid my bills on time and never missed a payment. I was extended a good deal of credit over the years ( over $ 15K ) and have used and paid that off several times. Recently, Citibank decided to reduce my credit line with all four of my cards, which in turn affected my credit to debit ratio. They reported the reduction to XXXX, and now my credit/debit ratio is terrible! They took away around $ 12K in credit. I have called several times to ask why and I just get the run around and am told that " we reviewed your credit report and your credit/debit ratio is too high. '' It's only too high because Citibank reduced my credit for no reason. I have a pretty low balance on all cards currently and am still paying them off each month religiously. 
They have also raised my interest rate from 0 % to 23 %. 
This will affect all my other credit on my report and look bad, when in fact I had nothing to do with their decision. 
Please look into this for me. 
I appreciate your help. 
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 2020-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian Credit Report is showing hard credit pull from XXXX XXXX XXXX XXXX on XX/XX/XXXX with following details : XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX, IL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online I have called the number listed, there is no option to speak to anyone without a current credit card number which I do not have. I also tried several of the numbers available on their website XXXX XXXX XXXX including XXXX, XXXX and the " chat with representative '' option. 

The Chat option gives me this error, XXXX XXXX XXXX Due to extremely high volume we've temporarily disabled our CHAT service. Please contact us at XXXX with a brief description of your inquiry and we'll contact you. Please include your full name and best contact number. We apologize for the inconvenience and appreciate your patience. Thank you and be safe, XXXX XXXX And I have found no way to speak to anyone about disputing the hard credit pull, or understanding why it is appearing on my Experian Credit Report. 

When calling the customer service number at XXXX it takes me to represenatives of another service providing offering lending to 1,200 banks but I don't remember the name of that company. They had no record of me or the credit application by my social, name, dob, phone number, etc. 

What is a person supposed to do to get this corrected if all the contact information does not lead to someone who can assist? Feels very back-alley to me and now the hard credit pull remains on my credit for two years ... totally unbelievable.

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 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
In XX/XX/2020 two medical collection bills were placed on my credit report ( s )  by Commonwealth Finance Co ... .collecting for XXXX of XXXX  County . Without due process ... process to include written notification of the debt and allowing me to dispute and request validation, Commonwealth Finance just went ahead and reported the damaging information to all 3 credit bureaus. 

They are attempting to collect {$430.00} on acct # XXXX and {$430.00} on acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
On or about XXXX XXXX I Deposited : {$5000.00} Dollars on my Current Card after that deposit my Card was closed without me knowing and I try to settle and to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the past seven years I have had difficulty working with Experian on blocking fraudulent items. I have two police reports on file with Experian and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that Experian do not send did not attach police report to dispute .XXXX XXXX XXXX will return call in 24 hours per XXXX in fraud department XX/XX/20. 

Experian also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and Experian refused to update my credit score. 

Experian is asking for an extended police report. once again these are not new items on the credit report. Experian is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.

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 2020-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have a credit card account with Bank of America and I've had one since XXXX. As of today, I have roughly a {$4000.00} credit limit, and a {$96.00} balance. Like many families during the covid-19 emergency, I am struggling. Today I had an emergency with an air conditioning unit and planned on using the card. Beforehand, I tried to purchase {$7.00} worth of merchandise at a convenience store and the transaction was declined. I opened the Bank of America app and discovered that I had forgotten to pay my minimum payment of {$25.00} due on XX/XX/XXXX. I immediately made the payment, and contacted Bank of America customer service to make sure the card would be available for use for my air conditioning emergency. An agent told me the card would not be able for use until the payment had posted. I explained the situation and the emergency and she stated she could not help. I requested to speak with a supervisor who relayed the same information. He further told me to have a " wonderful day '' after I had nearly broken down into tears over our emergency and the fact that the bank that I have been such a good customer of for so many years was not willing to assist me. I find it very disturbing during the covid-19 emergency that Bank of America will not allow its customers to use their credit cards due to a payment being 12 days late. Further, I find it repulsive that after they can verify a payment has been made, they will not allow the card to be used. I truly hope that the U.S. governing agencies regulating Bank of America will look at their practices, because if they are doing this to me they're doing it to others. It would infuriate me further, if Bank of America received any governmental assistance when they're treating U.S. citizens this way. Sincerely, 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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As per Care Act, for Covid 19 hardship I called my bank to request forbearance for up to six months. My bank is Chase Bank with my loan # XXXX XXXX XXXX They denied forbearance up to six months per Cares Act and they offered 3 months only. I spoke with the Escalation Team Department at Chase Bank, by someone named XXXX, insisting that I have the right for up to 6 months forbearance. She declined my request for 6 months forbearance and offered only up to 90 days. She has violated the Cares Act rules by denying me forbearance for up 6 months. 
I would like to know my forbearance rights and file an official complain again Chase for violating federal Care Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
My husband and I applied for a loan to repair our roof beginning XX/XX/2020. I had completed all documents online with OneMain Financial. They ran our credit twice and then provided us with a letter/email stating that if we wanted to know the reasons why we had we to request them, which as I understand it, is a violation of the Equal Credit Opportunity Act which requires that lending institutions tell you why you were denied. My husband received his letter today, dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn Credit Corporation was included in a Chapter XXXX converted to a Chapter XXXX Bankruptcy. There are 2 accounts reflecting on my credit file and had been removed and the account has now been placed back onto my credit file causing me undue hardships with COVID19. I have written to them numerous times that they are reporting incorrect information and they can not collect on accounts that have been included in a Chapter XXXX Bankruptcy. They have continuously contact me on my cell phone and at my employment when they have been informed numerous times to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-26 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
my beginning balance back in XXXX was XXXX and I requested a payoff amount and the pay off amount as of XX/XX/XXXX is XXXX, this is fraud ; I should have equity on my home loan after paying for 13 years on it. The loan first started with XXXX XXXX. Please help me.attached is teh pay off letter and the main page of the loan I signed for in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Filed dispute with my bank BB & T. They closed dispute and still have not gotten my money back for services not rendered. We booked a vacation with XXXX. They cancelled our trip on XX/XX/20. Our trip was for XX/XX/20 thru XX/XX/20. They have not refunded our money. We are owed {$2100.00}.

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