vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Name XXXX XXXX I want a consumer report for myself it is a few things I want to dispute with banks early warnings services social security number XXXX my address is XXXX XXXX northcarolina mail address XXXX XXXX XXXX XXXX  northcarolina XXXX the zip code is XXXX with both address I have a newyork address to if need it reply back I want to dispute every thing you have on my consumer report it is checks I deposit and they say the checks was deposit once in the bank already that is not true only once one bank someone deposit a check in my account that one I do not no about that did finish complaint with you

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 2021-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My wife and I were interested in obtaining a home equity line of credit. We did our research, knew our approximate credit scores from our free reports prior to contacting banks. We checked with a few lenders regarding their requirements. We currently have accounts with PNC and could meet all of the requirements advertised for approval. We called and spoke with 2 different local branches to confirm these requirements. Specifically we asked if there is a minimum credit score, and if the approval is based on credit score or debt to income ratio or amount of equity or a combination of all 3. Both representatives from 2 separate branches, stated they do not have a minimum score requirement and base the decision on a combination of all three factors. We then scheduled an appointment to apply for the loan in person. At the time of applying we verbally discussed our current credit score, our current income and expenses, past credit issues, and the approximate value of our property. The bank representative stated that she did not see any issues with our current credit score, that our debt to income was with-in the acceptable range and that if a simple drive-by appraisal of our house came back to low, we could request the full appraisal. We did ask if the current pandemic has any effect on approval and stated that my wife and I both have secure jobs working in XXXX and XXXX XXXX She stated that yes, that would help, that PNC does not advertise, but has denied people because of covid. 

A week later we received a copy of the documents that we signed that included our credit score. I called the bank to check on the status and I was advised that our credit score was below the 720 minimum needed before the loan would be considered. We questioned if our debt to income ratio and home value were reviewed and taken into consideration. The representative stated, no, the loan was being denied because of the credit score and would not be reviewed further. I specifically asked why they were not upfront with the fact that they base the approval off of the credit score alone and that I would not have wasted my time. She did not have an answer for me. We have attempted to contact XXXX via phone and have been unsuccessful. We currently have 3 different credit scores with a 60 point difference from XXXX provided to the bank, online at the XXXX site, and our yearly free credit report. PNC could not provide us with a contact number for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$110.00}.

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 2021-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We are requesting your assistance in obtaining our refund from Dovenmuehle Mortgage Inc. ( MI ) of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

Complaint : Dovenmuehle MI failed to comply with our request for refund of excess funds due back to us after closure of our mortgage loan with them. 

Background : In XX/XX/XXXX, we refinanced our VA guaranteed mortgage loan with Dovenmuehle MI ( loan # _____ ) to another mortgage company. 

On XXXX XX/XX/XXXX, we received a letter ( ID ____ ) from Dovenmuehle MI dated XXXX XX/XX/XXXX ( as attached ) stating that a refund check number ____ in the amount of $ XXXX dated XXXX XX/XX/XXXX is unclaimed. To claim this property per direction in the letter, we signed the bottom part of the letter, scanned, and immediately emailed to stated emailed address on XXXX XX/XX/XXXX. 

We emailed Dovenmuehle MI but without any response and called at least six ( 6 ) different times since we received their letter, but gave us run around to include someone to call us back, and lately, that they will cut a check which we should receive within 10 business days. Well that was over a month ago but did not receive any check or communication from Dovenmuehle MI. Dovenmuehle MI themselves have violated their own written promise in their letter, A new check will be issued and mailed within 10 business days of receipt of this properly signed document. 

Unpaid refunds after several years past the closure of any mortgage loan account is way overdue, unacceptable, and it should not be tolerated. We seriously question this practice of Dovenmuehle MI to remain in this Veterans Administration controlled mortgage program catered for veterans including myself. I hoped that fellow veterans and others will not experience the same heartbreaking issue with Dovenmuehle MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Nelnet, Inc.
State: GA

Complaint narrative:
I reviewed my person credit report to see where I stand with my credit score back in XX/XX/2020. I came to realized that someone used my identity to obtain several student loans. I assumed that these are college/university student loans. My college tuition was all paid for by my parents, therefore, I did not have the need to obtain student loans. 
I requested a proper validation and removal of these accounts from my credit report. XXXX and XXXX XXXX found these accounts to be fraudulent, so two companies removed these accounts immediately from my credit report. But XXXX is continuing to post these accounts without proving their validation and verification of these accounts. 
I am very upset that XXXX  is ignoring my identity theft report that was filed to FTC and a police department. 

DEPT OF EDUCATION/NELN XXXX ( {$3500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$4500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXXXXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) This is the list of student loan accounts that are being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA promised a {$200.00} rebate if for a new account when receiving direct deposit into the account. I complied and had several direct deposit payments in the account an after six months, I never received the money promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
A company named Consumer Adjustment Company placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with Consumer Adjustment Co. or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said Consumer Adjustment Co. said it was accurate information. The reviews by XXXX and XXXX are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called Check N Go which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or Check N Go in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX and XXXX are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: SC

Complaint narrative:
I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.

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 2021-01-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: SC

Complaint narrative:
I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.

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 2021-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX  on XXXX XXXX at XXXX XXXX in XXXX, California. The dealership offered me financing at 9 %. I refused it and I went to my bank, XXXX offered me an interest rate as 3.34 %. I took the letter from XXXX to the dealership to complete the purchase, but the Finance Manger who called XXXX insisted on me buying an extended service plan and a maintenance plan to qualify for the special interest rate 0.9 %., that was a lie. The special rate from Honda Financing is available for any qualified buyers with no string attached. When I refused the extra purchase, he said I cant get the special rate. I felt that I was forced into buying something that I dont want. On XX/XX/XXXX I went to the dealership to cancel the extended service plan, they told me that they will have to prorate my contract and charge me some fees even though my car is brand new and I am still under the factory warranty period. The extended service plan has not taken effect yet. The dealership is deceiving innocent buyers into buying products that they dont want. The face that the finance manager conditioned the special rate with buying after market product is a violation of consumers right. The dealership address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I am requesting your help to receive a full refund for the extra products that I was forced to purchase. I dont think I have to pay the cancellation fees and the prorate deduction on my contract because the practice was not proper. 
Thank you for your assistance and I am looking forward for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Exeter Finance, LLC.
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Nelnet, Inc.
State: DE

Complaint narrative:
Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
do not recognize this account and i have been impacted by covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid a purchase in XX/XX/XXXX & used my Amazon Visa Chase credit card. My balance with them before this purchase was XXXX dollars, since they were paid off in XX/XX/XXXX. Then two purchases were made, first one on, XX/XX/XXXX for {$10.00} & the second one on XX/XX/XXXX for {$190.00}. I was offered a Promo at zero percent interest until XX/XX/XXXX. I never received a bill & forgot all about the purchase. I never received a bill from this credit card company & any notifications of late fees. When I went to purchase a new vehicle in the beginning of XX/XX/XXXX, I was then informed about this. I called them to see what was going on & was then informed that I was paperless, which whenever I owed them money before, it was always by paper. The first lady I spoke to at Chase waived all the late fees & then informed me that I was put back onto paper bills & that it was okay to pay the {$35.00} each month until pay off. She also informed me, that my credit card had been closed. I informed her that I never received anything notification about any of this in the mail or even received calls. I made my first payment to them that day, XX/XX/XXXX of {$35.00}. The next bill that I received the beginning of XXXX, showed all the late fees taken off, some interest removed, my payment that they received on XX/XX/XXXX plus a {$38.00} late fee charged to my card on XX/XX/XXXX. I called Chase today, XX/XX/XXXX to see why I was being charged a late fee when they were paid on XX/XX/XXXX before the due date & also asked them why the minimum payment was the full amount of {$160.00} which it should of been {$120.00}. I had to call two different times because no one really understood what I was saying & just kept transferring me to different departments. I ended up just hanging up & then calling right back & asked to speak with a manager. Tried working out my monthly payment arrangements back down to {$35.00} like it's suppose to be & they informed me that they couldn't help me, that I had to pay the full remainder of {$160.00} & wouldn't waive the late fee since it wasn't paid in full last month. But I was not told last month that I had to make the full payment, that I would be able to make the {$35.00} monthly payments. Now they tell me, that I have to owe them over {$500.00} before they can help me. So basically I will just be paying a late fee each month & nothing will be going to pay off my card. I actually only should be owing them a total of {$120.00} as of right now. I have already scheduled a payment on the XXXX of this month in the amount of {$35.00}, which then my total owing would be {$91.00} plus interest. They are stating that I am the only one that can make my bill go paperless, but I don't see how, because I never ever received my first bill, that I should of gotten in late XXXX early XXXX.

Company response to consumer: Closed with explanation