vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I had a Barclays XXXX  Credit Card ending in ... ... I used this card to get credit for my maintenance fees with XXXX XXXX. This is the only credit card that will work with XXXX. I always paid my balance in full each month. I never had a problem with my payments. I made one payment on my card with a check that I was told was ok. The account had sufficient funds but did not allow my payment to be credited to Barclays. Barclay abruptly closed my card, demanded payment in full from another account of mine, including extra charges, all of which were timely paid. Barclays kept denying me use of my card or any other Barclay or XXXX credit card. Barclays will not even talk with me about it. I'm given the run around but no answers each time I call. This unlawful action has caused me credit problems over the last 25 months.. Again I always paid timely and never had a previous problem. XXXX, because of their agreement with Barclays, will not allow me to get my annual credits for my maintenance fees. It is costing me over {$1000.00} a year extra because of Barclays unwarranted action. This unlawful event took place in XXXX and XXXX of XX/XX/XXXX. The amount of money was {$7000.00} which I paid in full. My loss with XXXX has been over {$3000.00}.

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
Consumer complaint received 2020-09-05 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: MO

Complaint narrative:
On XX/XX/2020 I sent in a dispute to Experian for XXXX/XXXX  acct XXXX informing them that the date of last activity was incorrect. Also informtin them that the comments were different for each credit bureau. They then came back to say that the information was verified, then on XX/XX/2020 asked them how they verified this account without any information provided to me as the consumer they gave no reasoning just updated as verified. I don't understand how 3 credit bureaus that is suppose to reporting the same information from the same creditors are all reporting differently, this is showing pure neglect for a consumer and inaccurracies which they refuse to follow the FCRA guidelines on accurate reporting and continue to be in violation.  Then on XX/XX/2020 Experian was sent a dispute letter informing them that they have this collection account for XXXX   XXXX on my reporting showing late payments which a collection account should not show being that a collection account is by default derogatory and something needs to be done about this. Attached is showing my proof of dispute letters sent and proof of the inconsistencies and errors being reported

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 2020-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of 2019 I opened a CITI BANK credit card. Recently they put a late payment on my account. This was an auto bill pay issue and the bank recognized this as a problem on their behalf. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.

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 2020-09-05 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: VA

Complaint narrative:
I filed a dispute with Equifax of XX/XX/2020 and received an email the same day stating my confirmation number as well as notification that I would receive results in 30 days. Today is XX/XX/XXXX and I still have not received results from Equifax. I have logged into their website and it still shows my dispute as being active. A representative has admittedly stated there is nothing they can do to assist me even though they have failed to communicate and update the accounts. An investigation was completed nearly a month ago and Equifax does not have any records or proof that they have EVEN attempted to contact me concerning my dispute. This is completely unacceptable and they are in violation of the FTC guidelines to notify their consumers within 5 days of receiving results. I expect these derogatory marks to be removed from my credit report immediately. The attached file is a screenshot from today XX/XX/XXXX taken at XXXX after I logged onto Equifax website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Loan # XXXX XXXX attempt at resolution. 

I was denied a va cash out refinance on the basis that I did not meet the Va occupancy requirement. my ID & bills have the address in question on it. The loan number in question is XXXX. The address is XXXX XXXX XXXX, XXXX Ga XXXX. I have attached a copy of my ID, water, & electricity bills to verify my residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In XXXX of 2018 a loan from DEPTEDNELNET was opened in my name. This loan was opened without my authorization. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Tried to place a fraud alert on Transunion after being notified of a breach of security at Utah XXXX XXXX , Inc. I was able to successfully place alerts on XXXX and XXXX  online with absolutely no problems. Transunion was impossible. I called customer service and they were no help at all. Kept asking me to try different browsers, different sites, or the website is temporarily down, etc. Nothing worked! This is not the first difficulty I have experienced with them. I faxed copies of S.S. card and license in the past, only to be told they never received the fax! Their website is awful, customer service is incompetent and I am not sure how they ever became a major credit reporting agency. Consumer alerts had them rated 1 star. They have thousands of reported complaints. Their license should be revoked. Is your agency aware of this and investigating?

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 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Bluebird by American Express : Allow me to continually dispute a {$400.00} from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. Please find the attached documents including a failed receipt transaction submitted XX/XX/20 and XX/XX/20 proving that I had received {$0.00} cash except for a piece of receipt indication that the transaction had been failed. Therefore, I hereby attest that the ATM did NOT dispense any cash as requested. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. 

As I'm certain that the store by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will provide footage of the relevant incidence in dispute. 

I'd appreciate a prompt and fair resolution to the matter. Furthermore, I hereby ask for a credit of {$400.00} to my XXXX account Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased A car from XXXX XXXX XXXX XXXX XXXX in XXXX Ga. They didnt give me My car I signed for they gave me A Loner car. I was driving in the loner car until my car ( XXXX  XXXX XXXX ) was finished. I put money down on the car in the middle of XXXX and decided to give the car back at the end of XXXX because the loner car was messed up and they still wasnt giving me updates on my XXXX XXXX XXXX. XXXX  from XXXX XXXX XXXX XXXX kept ignoring cars calls because I wanted to get a full return on the car. XXXX XXXX XXXX wrote me out a check for XXXX. I went to the bank just for them to tell me his account couldnt withdraw a limit over XXXX. XXXX XXXX I returned to XXXXXXXX XXXX XXXX XXXX  to get two different checks which was both worth XXXX ( I was able to cash on different days ). Fast Forward XXXX XXXX started calling two times a weeks at the end of XXXX for a balance I didnt know I owed. I called XXXX from The dealership several times to see why I owe a balance, he told me it was wrong and he been called them. He Was lying, now I have a car I never had on my credit 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 explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: FL

Complaint narrative:
I looked at my credit report and noticed a collection account listed from Head of Mecanticle Co with the amount of {$910.00}. I do not remember this debt taking place. I never recieved any email or letter ins the mail in regard to this debt. I would have never have allowed it to go to collections if I had known about it. I am trying to apply for an apartment and am not able to get it due to this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
ON XX/XX/2020 I WENT TO THE XXXX XXXX FOR A CONSULTATION, WHILE THERE I WAS PRESSURED INTO SIGNING UP FOR CREDIT {$8000.00} FOR XXXX XXXX  WHICH WAS {$4000.00}, I WAS MEASURED AND PHOTO TAKEN OF MY HEAD! I GOT HOME AND DECIDED IT WAS NOT FOR ME DUE TO IM A SENIOR XXXX VETERAN ON A FIXED INCOME, I HAD 3 DAYS TO CANCEL AT WHICH TIME I REACHED OUT TO THE HAIR CLUB THEY WERE CLOSED ON MONDAY, ON TUESDAY WHEN I FINALLY WAS ABLE TO REACH THEM TO CANCELL I WAS TOLD BY THEM I WAS 1 DAY TOO LATE AND THAT I COULD NOT CANCEL AND WILL NOT CANCEL CAUSE THEY MADE ME HAIR OVER NIGHT IN THERE LAB, I TOLD THEM I WAS NOT INTERESTED AND WANTED TO CANCEL, THE XXXX XXXX BEGAN BILLING ME FOR {$3700.00} WITH LATE FEES! I TOLD THE BANK COMMENITY THE SITUATUION THEY FILED 5 DISPUTES ON MY BEHALF ONLY TO HAVE XXXX XXXX REFUSED TO CANCEL, ON XX/XX/2020 XXXX XXXX GAVE COMMENITY BANK {$1500.00} BACK AND CONTINUES TO BILL ME FOR {$2200.00} THEY REFUSE TO GIVE THE BANK BACK ALL THERE MONEY THEY TOOK THE {$3700.00} FOR SERVICES NOT RENDERED OR WANTED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have made it very clear in back and forth email to auto loan Toyota Financial Services authority that if I make an extra amount over over regular payment, it should be deposited in the principal loan amount. But, they have decided not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Back in XX/XX/XXXX, when the Corona Virus outbreak began, I heard that Governor XXXX XXXX was offering an assistance program to help families who are experiencing financial hardship due to COVID-19. I had contacted HMF and requested payment assistance with my loan and I asked them to extend the term of my lease agreement. This is because I had lost my job on XX/XX/XXXX and because I spent a lot of money paying them {$600.00} on XX/XX/XXXX for property taxes which is a large sum of money with my low unemployment income. I am leasing 2 cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX for a total lease cost of : {$460.00}. HMF had agreed to delay payments for one month and they told me in order to keep getting assistance, I should contact them every month. After the first month of assistance, I did not call back, as my financial situation stabilized enough for me to make payments. After a period of about 2 months, On XX/XX/XXXX, one of my vehicles had been towed. When I had contacted HMF, they had told me that this happened because I was 3 months past due on my payments. Prior to this, I had auto pay set up from my banking account. Since I had asked for financial assistance, instead of postponing my auto pay, they canceled my previous agreement completely, and left me unaware that my autopay was no longer active. There was no urgent email or mail, informing us that our payments were past due. I agreed and I paid a total of {$1400.00} for two months of payments for 2 cars. I was charged a late fee totaling {$59.00} for 2 cars. 
Since I was late on my payments, HMF charged me an additional miscellaneous charge of {$420.00}. They also destroyed my credit. On top of these extra charges, I spent {$370.00} for towing. This made things very difficult for my son since he was unable to work because his car was towed. This caused a lot of financial problems, ones we would not have if it werent for HMF.

I believe that this situation is only HMFs fault because they didn & # 39 ; t give me full information from the beginning, and they didn & # 39 ; t contact me by email or mail. HMF is abusing the corona virus situation by forcing excessive charges on people who are struggling. Hyundai Financial Department is very unorganized and uneducated. Management is very rude. I & # 39 ; m leasing my 2 cars for 2nd turn  with HMF, but this will be the last one.

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 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
Initially I received several phone calls from Allied International Credit Corp on my land line, but they didn't leave a message. Shortly after, I received a letter dated XX/XX/2020, informing me that XXXX referred a collection of an alleged debt that I owed to them. 

I immediately signed on to XXXX to check because it seemed very strange. # 1, I do not have any outstanding invoices and my account is current. # 2 I  do NOT have an account number as they stated. # 3 There is no description of an item # linked to XXXX that I'm allegedly being charged for and that they are claiming is unpaid. 

I then conducted an internet search of this Allied International Credit Corp and saw many complaints from others, stating the exact same thing I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, # XXXX, CA XXXX TransUnion charged me XXXX for an membership that isn't advertised, it just asks you for a credit card number tricking you into thinking it's for the credit check but it's actually for their membership

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 monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I want to close my account and Chase is refusing to close it without me visiting a branch. I have provided all necessary paperwork via fax and Chase is still refusing. I am hesitant to visit the branch because of the ongoing COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
When I initially entered into my initial CARES Act suspension of mortgage payments, five months ago, I was told by Loancare XXXX that it would be called a forbearance. When I inquired about what would happen at the end of the forbearance period, the Loancare representative told me that I could defer the accumulated forbearance sum to the end of my loan term. Today, Loancare has informed me that they had misinformed me about the deferment repayment option and that I could not defer when my forbearance period is up.

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 2020-09-05 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: FL

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items in Identity Theft must be deleted : The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response.

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 2020-09-05 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: NJ

Complaint narrative:
Experian Boost allows select individuals to boost their credit score with Experian for a fee. Not only must you sign up with Experian for the boost but you must continue to support them financially to keep your boosted score. 

Now this goes against everything about fair credit reporting. There are a lot of people that don't have easy access to the internet, credit cards to pay for Experian 's service, or knowledge this is possible. And then there's me. Trying to improve my score when I'm about to get kicked out of my apartment at the end of the year so I'm trying to fix my score as fast as possible, but of course the Department of Education and Experian want to make sure this is as difficult as possible. 
( These predatory loans not only financially ruin you but they will not honor their word once you pay them. They will in fact report you multiple times if they can for the same debt. ) I have tried many many times to connect my bank accounts with Experian but I get an error when I try to connect my XXXX account even if I use my cell phone for 2FA verification that is valid and confirmed working correctly. 
I do not understand how only a select few can gain the benefits of this boost while so many aren't able to get the benefits? This is absolutely unfair. I will have to pay more for rates, possibly be declined when trying to obtain credit, which would make me have to apply again, and that would lower my credit even more. This is insane how this is legal. It will take me years and years at this rate to fix my score. The Department of Education is ruining the lives of so many young Americans and the credit bureaus are helping.

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 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have filed several complaints against Transunuion ans finally, the US Bankruptcy court wrote me a note saying that they did not validate and or do not validate Bankruptcies. Transunion is in violation of my Fair Credit Reporting rights. Please see attached and advise Teansunion that the Bankruptcy that is reporting neds to be removed under the Federal law. To add to complaint number XXXX. With all the prof that I am providing, I do not understand why this is still on my credit.

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