vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE NOT MY INQUIRIES AND THEY NEED TO BE 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 2021-09-30 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: OK

Complaint narrative:
The student loan XXXX is not accepting my bankruptcy for student loans for XXXX XXXX  The school is no longer open and I can not get my college transcript

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The student loan XXXX is not accepting my bankruptcy for student loans for XXXX XXXX  The school is no longer open and I can not get my college transcript

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC
State: ME

Complaint narrative:
Upon investigation of this company I found out that according to Maine law they were not allowed to charge me more than a 30 percent interest rate and a XXXX finance charge for the amount I borrowed. 
I emailed this company on XX/XX/2021 informing them of my findings and requested they return my overpayment. 
Up to that date I had paid XXXX payments of XXXX and XXXX payment of XXXX for a total of XXXX which resulted in an overpayment of XXXX after the deduction of XXXX for loan amount, XXXX in interest and XXXX finance charge. 
I received an email back indicating they had closed my account in good standing but would not return any money. 
I let them know that as far as I could see they had no license to due business in the state of Maine and regardless of their claim of tribal immunity they had to abide with state licensing laws. 
I have received no further responses from them. 
The fact that they closed my account so easily leads me to believe they are hiding something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NJ

Complaint narrative:
on XX/XX/21 account XXXX was disputed with company XXXX XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage has been sold three times for a total four times. Select Portfolio Servicing is the last company that I have had to deal with. They have indicated that I am delinquent on my mortgage which is incorrect as I have not missed a payment. I am being charged late charges on both my mortgage and home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I got a Discover Secured Card for {$1000.00} I had it for 6 months! I had applied for a non secured and got approved but they wanted me to grant them permission to go through my taxes and IRS personal information! I declined - do they closed my secured card which had NOTHING to do with my new application for non secured! They have my money, and have hurt my score I have been building up this whole pandemic! How dare them I did nothing wrong! The card was opened 6 months but when I tried to get a card no secured they hurt my secured??????? They are backwards! Only company asks for IRS permission. They need investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of XXXX. I've completed countless dispute with both the creditor bureau and XXXX to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing XXXX reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and XXXX most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to XXXX that as a consumer I have the right to privacy and I never authorized XXXX to report on me. I was told that information was included in my MPN, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( XXXX ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, XXXX is wrong in reporting wrong information, wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
Several weeks after closing on our mortgage Hancock Whitney made contact with me regarding a lack of both information and a signature involved in the closing. 

Apparently my Social Security Income was not included.

Several demands were made including a " threat '' from XXXX XXXX ( Client Solutions Leader '' that I could be " forced '' to sign as that was part of the standard closing agreements to agree to correct and missing information. 

Demands included that I should drive a 2 hour round trip from my home to sign, it " had to be signed by " X '' date '' etc., although that deadline date had come and gone when the matter was settled. 

During that time I received the attached letter form XXXX XXXX asking me to sign one page out of the entire agreement that was Section 6 : Acknowledgements and Agreements had absolutely nothing to do with correcting my income. 

It appeared that Hancock was going to make a change on what was already a signed Income Disclosure and then use the attached page as a way to provide my agreement.

I refused to sign it and instead contacted the attorney 's office that did the closing seeking advice. I was instructed not to sign an arbitrary page and they would look into it.

They then presented the option, what I believe to be the legal and proper way to handle the situation and that was to come into their office and to initial and date the original closing documents and to then provide the missing signature ( s ).

Hancock made the entire pre-closing demands absolutely absurd and then to attempt to pull this " switch '' off is very disconcerting. I am a well educated individual with several closings under my belt and have never seen a bank act in the manner that Hancock did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have asked the company to provide me with a wet signature or original contract, and a chain of sale from original creditor validating that I owe the debt in question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My home was burned by fire XX/XX/XXXX, my insurance company Foremost sent a check to me and I sent it to my mortgage company. Carrington mortgage sent a check XX/XX/XXXX for the contractor to start to rebuild my home amount {$10000.00}. Contractor has sent contract to Carrington mortgage requesting funds be disbursed in one thirds, 1st one third would have been approximately {$40000.00} until the next draw. Total Funds from XXXX XXXX company to rebuild my home was {$100000.00}, Carrington mortgage is holding these funds in escrow and want disburse to the contractor. Carrington mortgage sent me a document to sign saying I wanted to pay off my house and not rebuild with the insurance money. Carrington is trying to steal my home, I'm homeless and need my house to be rebuilt as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have been disputing this account for some time now with RECEIVABLES PERFORMANCE. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves 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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received an alert where the company Radius Global Solution reported that I have an account in collection, at this moment I have not received any notification by any means on that subject.

I do not know what is happening or to whom I supposedly " owe '' something.

Below is an excerpt from the report I received. 

Details Summary ALERT TYPE Potentially Negative ALERT SUB TYPE Major Derogatory SOURCE XXXX ALERT DATE XX/XX/2021 BALANCE AMOUNT {$000.00} IS COLLECTION Yes OPEN DATE XX/XX/2021 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2021 NAME RADIUS GLOBAL SOLUTION PHONE ( XXXX ) XXXX BUSINESS TYPE YC STREET ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN ZIP 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 2021-09-30 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: DISCOVER BANK
State: OH

Complaint narrative:
Disputes were filed for XXXX on the following dates XX/XX/XXXX XXXX # XXXX, XX/XX/XXXX XXXX # XXXX and XX/XX/XXXX XXXX # XXXX. 
Automatic credit was given for XXXX and an investigation for the other charges with a provisional credit. XX/XX/XXXX I was issued a permanent credit for # XXXX later to be reversed on XX/XX/XXXX. On XX/XX/XXXX I received an email notification that dispute # XXXX was valid and the other dispute would be overturned due to new information. The information that I read from the report showed that my son had used my credit card to purchase virtual currency. I called x2 and spoke with different reps the first hung up on me. The second stated that if they continued with the dispute as an unauthorized charge they may have to press charges against my son for fraud. I read her the FCBA she said maybe I should try XXXX again, which was a lost cause in the first place. The rep who was very nice said I'm sorry there is nothing I can do. Even though I explained that no where on that gamer tag or XXXX profile did you find my name, they both insisted I was responsible. The only place you can find my name is in the billing information, and that is not filled out completely. The FTC has assisted with many complaints regarding unauthorized in app and game purchases please help. My credit card company is Discover Card Services, I have been a customer since XXXX. I have no missed payments, and I may have done one dispute in the three years before this. I have detached the information submitted to Discover by XXXX to prove that I made the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My vehicle was repossessed in XX/XX/XXXX while I was in the XXXX XXXX without warning. I was in contact with the bank the entire time during my financial crisis due to the car breaking down and requiring XXXX of dollars in repairs ( entire new motor ). 

They seemed to understand over the phone and gave no warning they would repossess my car. 

After the car was repossessed I called to ask how I could get the car back, they told me they will mail me the auction location. 

By the time the mail came it was passed the date of the auction so I had no chance to retrieve the vehicle. 

I asked how much they sold the car for and how much they took off the loan. Was never given this information. 

Over the course of 6 years this loan debt has been sold more than once like its still a car. 

The company wrote this off on their taxes years ago and are still throwing this around on my credit report. They also tried to scam me into sending them money even though they are no longer the loan holder. 

I want this account closed, as I have suffered enough over the last 6 years due to this company not communicating with me. It was unfair the way this company went about this entire situation. Not disclosing the amount I was owing after the auction and mailing how to get my car back instead of telling me over the phone. No warning when I spoke to them a week before the car was taken, even though I told them payment will be sent in a week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have been locked out of my Barclay US online account for two months. I have tried calling, contacting them on XXXX/social media, and have not been able to talk to a live person. Each time I call I am on hold for over an hour and a half before I am forced to give up. I have called the line 20 times in the past two months. I need to get through because I can not use my card because I am unable to see a balance or make payments until my account is unblocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Due to Tropical Storm Ida, our leased car flooded and insurance declared it a total loss. We proceeded to contact Hyundai and they gave us the runaround on the payoff amount even though the insurance kept asking for it. I was able to have a three way call with them where they stated the payoff amount was around XXXX. Insurance sent them a check for over XXXX. They received said check. We were told the moment we reported the loss that we no longer had to make additional payments ( we have it recorded ). Our account has been placed on delinquent status. On top of that we have called 3 times today and each time we get a different excuse. First, oh its only been 6 days, it takes longer than that. Second, well the processing department is being slow. Third, well gap insurance needs to be filed ( makes absolutely no sense given the fact that they were paid more than what the number they gave was ). Lastly, oh insurance didn't send some paperwork we need ( however, when pressed they stated they had not contacted insurance and they sure as heck have not contacted us to let us know ). So which is it? At the end of the day, they are either trying to steal our money ( any amount higher than what they stated needs to be refunded to us ) or they are just the worst company ever. Their elusive total loss department can not be contacted. Our account is delinquent and they refuse to fix it. They refuse to fix the issues and it is having an impact on our credit which is unacceptable. We want this resolved and we want it resolved now. There is no reason why this needs to be so hard. There is no reason I should be dealing with this 10 days post partum. Hyundai Motor Finance is preying on people and they need to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened an account with Huntington in 2019. I made XXXX in purchases and paid them all off. I change the payment during the third month to minimum payment due. It's still processed out the full payment out of my bank account. I contacted Huntington to see if this could be reversed and I could just make the minimum payment for that month I still would owe zero interest if I did so. The representative over the phone let me know that she could reverse the payment and I had already made enough payment that month to cover the minimum and I would owe no interest. The next month I did not get charged interest but my account randomly got shut down. I called and asked why I had been closed and they gave no definitive reason. They did confirm that it was not because of the payment issue the previous month. I got a letter in the mail stating it was because of a returned payment. I contacted Huntington multiple times to try to fix the situation and clear things up. They stated that they could not reopen my old card and that I would need to reapply to open up another card. I reapplied and was declined twice despite opening other lines of credit since without issue. I closed my checking account and will not be dealing with Huntington again -- this is bad business discriminatory and disgusting in my opinion/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation