vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I'm XXXX. I live in a hotel. I was able to got a car due to my bad credit.. I purchased a XXXX XXXX XXXX  XXXX XX/XX/XXXX. The loan is from Creditacceptance. I started driving for XXXX/ XXXX to get myself together. I accepted the terms of {$360.00} a month for 60 months. They loan interest rate of 23 percent. The total I would have to pay back was XXXX total. 
For the entire year I paid it. I was also told by the dealership that after a year I can call and negotiate my loan to get the interest lowered. I called the loan company and they said no they can not. I am still paying it. 
As of today XX/XX/XXXX, if I wanted to buy the car outright I would pay {$11000.00}. My car has dropped in valve fast because of the mileage from driving from XXXX/ XXXX. The value if I wanted to trade it i think when I check was around {$2200.00}. Which would leave me owing {$9200.00}. The other problem the car had 2 recalls. I took to the dealership they said it was fix and 5 days later the problem is still occurring. They said I need to buy a new engine and there nothing more they can do. This recall is the reason why my car was smoking and oil was leaking coolant leaking. I guess XXXX do not want to take responsibility for the problem they created. I contacted XXXX, ALSO XXXX MANUFACTURE. SO I CANT DRIVE BECAUSE IM AFRAID MY CAR WILL OVERHEAT AND SMOKE AND I HAVE THIS LOAN TO PAY. PLEASE HELP!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Why are is PNC not allowing use of the XXXX app?? That is the easiest way to send money to friends/family for whatever reason. It's all of the sudden not allowing me when previously this was not an issue. Its EXTREMELY disappointing!!! The only thing I can figure is that PNC is forcing everyone to use XXXX on their app or website which is XXXX! Please fix this so that we have the ability to use XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: NRA Group, LLC
State: PA

Complaint narrative:
After reviewing the credit report, the National RecoveryXXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have inaccurate accounts on my credit report due to fraudulent activities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: LEXISNEXIS
State: OH

Complaint narrative:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Im a student at XXXX XXXX XXXX XXXX, in NC. I had my first car purchase financed through XXXX XXXX XXXX. I have been a customer with them since XXXX, XXXX. I recently refinanced through XXXX XXXX XXXX XXXX in XX/XX/XXXX. Due to refinancing, I received a check from XXXX XXXX for an amount of {$70.00} on XX/XX/XXXX. During this time, I was also waiting on the arrival of my student financial aid check ( state ). It turns out I accidentally put in the wrong banking information for my check to be direct deposited into. I put the account and routing number at the bottom of the {$70.00} check that they sent me. Below I attached an image of the check to see the banking information. I also am attaching an email confirming the trace of my student check, showing that it indeed went into that account, which I was told was a business account. Once I realized I put in the wrong information, I immediately changed it momentarily, however I was too late. I reached out to the school and was told that since I put in the wrong information, I authorized the check to go into that account and that there was nothing they could do. So I decided to call XXXX XXXX, which is the bank that XXXX XXXX with, and they told me that they could not just take the money out of their account, even if it was a mistake and didnt belong to them. After that, I decided to take it upon myself to contact XXXX XXXX. I filled out several requests to speak with the CEO, but never heard anything back. I spoke with several customer service representatives, trying to explain the problem, but I had no help. I was told multiple times that Id be called back, regarding more information, but never was. Finally I talked to someone who seemed to understand the situation and he told me that I would be receiving a check with the full amount of my student check which was {$940.00} in 21 business days. I asked for his extension in case I had any problems and he gave it to me. It has now been 28 business days, and I called the extension to speak with him to see if he had any information on when it may be arriving, and the telephone operator told me that it was an invalid extension. The amount of {$940.00} was deposited into XXXX XXXX  on XX/XX/XXXX. I was supposed to receive this check to help pay for my school expenses. I had to take out of my own pocket, during this pandemic where I was left jobless, to pay for these expenses myself. This bank treated me and my situation very poorly when the money wasnt theres first to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hello, On XX/XX/2019 I called XXXX XXXX asking to close my account and they confirmed they did ; however, it keeps showing in my Transunion credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
As a preferred rewards member with Bank of America, I've received numerous offers for opening a XXXX XXXX brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX  EST on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.

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 2020-04-28 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: CA

Complaint narrative:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX  has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.

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 non-monetary relief
Consumer complaint received 2020-04-28 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by Credit Acceptance, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months Credit Acceptance reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from Credit Acceptance. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX is basically taking the word of Credit Acceptance because  they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My family is in desperate need of your help! We were impacted financially immediately and contacted Chase regarding our XXXX mortgage Payment and had to take a substantial pay cut ( 4K ) as a result of COVId19. Couldnt reach them via telephone so sent them a message through the app ( per their instructions ) after waiting on hold for 3.5 hours three times! Was assured no negative credit report and no late fees would be imposed and not to worry that we would work something out after a 90 day support period. I contacted them multiple times to confirm we were safe and was always assured they would protect us. Fast forward to XX/XX/XXXX when I received notice that our credit score had plummeted because Chase reported us. Again I contacted Chase through the app and was told they were unaware and asked me to send the notice. Upon reviewing notice, they assured me they would correct it. XX/XX/XXXX I received a letter via USPS ( not certified/ no signature required ) informing me XXXX XXXX   XXXX would be my new note holder effective XX/XX/XXXX and I would have to contact them from that point forward. I immediately messaged Chase and again did not hear back right away. They responded to my inquiry on XX/XX/XXXX well after the required 15 day notice of transfer. 

I have since researched XXXX  and they are an unaccredited predator that stands to profit off of this global pandemic! Our note would not have been transferred had they not reported our credit or imposed late fees like their promised! Please help, we have called Chase all day today to stop this transfer as it isnt fair and could potentially end in my family losing our home! We have paid our mortgage ON TIME for 14 years! XXXX would like nothing more than to profit off of my XXXX in equity. This equity is my familys nest egg. My husband is a XXXX XXXX XXXX and I am a XXXX currently studying to become a XXXX. We are about to break, and really need help. I understand loans are transferred all of the time, but transfers should not be initiated right now, and although they should uphold the terms of my original loan, my non payment puts me in violation of contract and doesnt protect my family. Chase told us we had nothing to worry about for 90 days. We pay taxes on time, and have never been late with any of our credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
1.Paypal/ XXXX bases decisions for approval for the Paycheck protection program ( CAREs ACT ) on personal credit even though the Act, SPECIFICALLY does not allow for this. 

2. PayPal / XXXX  Initaially denied ALL applications for businesses applying for PPP program based on their income, lower income business requesting lower price loan generate less fees for PayPal so they denied these low profit margin loans initially automatically only minutes after application 3.payaplXXXX XXXX made no good faith assessment whether the client is acceptable to apply under the program and failed to check the identity and credit worthiness Of applicants under the PPP program. Misleading denial letters and false Information supplies by PayPal indicates they processed applications as required by law when they infact DID NOT, and merely sent denial letters for a variety of reason such as unable to verify identity, credit score too low, and many other baseless reasons I applied for the PPP program with PayPal however they immediately kick back my application and send me a denial letter. They are screening loans based on the price they would make and also using personal credit as a basis for decision ( which is expressway forbidden by the CARES act ), and when those two methods fail they simply state they couldnt verify your identity or your document is incomplete. This is a pattern of favoritism and discrimination against lower income loan applicants to a program which is federally funded and guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS ARE NOT MY ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have inaccurate accounts on my credit report due to fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: MS

Complaint narrative:
I have inaccurate accounts on my credit report due to fraudulent activities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CA

Complaint narrative:
I have been a victim of identity theft and there were accounts open under my name, I have submitted identity theft report and personal letter to Experian but its been over 2 months and they have not done any useful investigation about 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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing the credit report, the XXXX XXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.

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