vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington bank in XXXX, OHIO. 
Their stupid atm is not working. I drove 50 miles out of the way to get there to deposit cash. The atm said " this can not be completed at this time '', I tried 3 times!!

No deposit could be done, it did not even ask if you were depositing cash or check.

And their drive up atm is loaded with a ton of spiders and stink bugs!!! TONS OF SPIDER WEBS AND ON THE LIGHT FIXTURES OUTSIDE, AND SOME WENT IN MY CAR!!!!

DISGUSTING!!!!!!!!!!!

AND THEY DO NOT ANSWER THEIR PHONE, IT GOES TO VOICE MAIL!!!!

FINE THIS BRANCH BIG TIME!!!!!!!!!!

THEY NEVER RESPONDED TO THE LAST COMPLAINT I PUT IN EITHER!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I closed on my house on XXXX XX/XX/2020, loan Depot still calling and telling me that I was missing a pain. I called them to find out what was going on they said the loan was short by XXXX. I called people that were handling my loan and they said it was close that they Loan Depot had received the check. I have talk to supervisors and supervisors and have not helped in finding out the problem. I talked with last week all I kept hearing from them was I can not see the screen I have to have somebody else call you. this was supposed to be taken care of Friday and has not been. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied online to my bank Chase for a refinance and payout of some equity still maintaining roughly 20 percent at least in home equity. I was informed of new rules put in place recently that no money would be lent unless a credit score of XXXX  and 18 months of liquid assets ( in their accounts ) to make the new payment. Obviously this requirement only allows the wealthy and not the middleclass or poor to borrow from this bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My mortgage is set up through bill pay to be paid automatically through my bank. For the months of XXXX and XXXX my bank accidentally send duplicate payments. All payments received in XXXX {$1300.00}, XXXX {$1000.00} and XXXX {$1000.00} total {$3400.00} should have paid my monthly payments in full from XXXX through XX/XX/2020. XXXX applied some of the money received to my principal rather than to payment. I have been in contact via email and phone asking for all payments received by XXXX to be applied towards payment. As of today XXXX XXXX still has not moved all the money over. The two supervisors that I spoke to that sent me an email saying that they have acknowledged all payments received that they see the error and that they were going to move all the money over are no longer with the company. I don't know what else to do but this company has received over {$3000.00} of my money and my mortgage payment is only {$600.00}. I lost my job back in XXXX due to covid and can not afford for this mistake to go on any longer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i paid XXXX off on a XXXX interest credit card in order to use it for a XXXX dollar purchase so id be protected in case of a issue in the delivery or any other issue that came to light, i had to call citi bank and did a 3 way call with my bank to verify the funds were removed from my bank in order to use the card for the purchase i was about to make. the citi person said i could use the card that day and it wouldnt go through, i called them again the next day and they said they cleared it again and it would go through the next day and it didnt, and now its monday the XXXX and it didnt go through again and i called and they said they lowered my credit down to XXXX dollars from XXXX dollars and wont tell me why, I dont have any missed payments from any one and certainly dont have any bad credit at all, i used what was in my business account in order to pay them and then they found a way to get rid of my 0 % interest card, They were liers on the phone and this hurt me finanically because i had to borrow the money some where else with an interest charge now. idont like how they did their business in what they did to my credit, i didnt allow them to review my credit report either,

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: KEYCORP
State: OH

Complaint narrative:
During peak Covid in XX/XX/2020I was trapped out of the country ( XX/XX/2020 to XX/XX/2020 ) in the XXXX XXXX and received a phone call about a payment. I explained my situation being out of country and not able to return and I needed assistance with very minimum income coming in. They replied saying that i could have 90 days to make a payment in which they asked if i would accept this but would still be charged interest. I accepted. Once i made my way back to the USA, i received a notice from my credit reporting company that i had been flagged for a late payment for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I was charged interest of {$20.00} on my Chase credit card for the XXXX bill that was due on XX/XX/14 total due was {$1900.00}. I paid {$1900.00} and and redeemed {$26.00} for the total payment {$1900.00}. This was paid on XX/XX/14 At XXXX XXXX. I was short by XXXX cents. That was a mistake on my behalf. 
I'm being charged interest of {$36.00} on XXXX billing due on XX/XX/14. I emailed them about it and was told to accept it. Was told my payment was late. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never received any correspondence from Transunion, XXXX  and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hi there was a statement was send to my house and we didnt apply for this credit card and we had called in several times and report this account as fraud and we never heard back from Barclays and all sudden we are getting statements and harassing phone calls from debt collectors and we havent gotten any results from there investigations and they igorne us and never ask for a police report and that fraudulent account is getting send to the collection

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with XXXX XXXX and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. This is unacceptable.

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 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Disputed a charge to XXXX XXXX XXXX  with Chase Bank on XXXX XXXX, 2020, in the amount of {$2200.00}, for items not received. Chase asked for a letter from a Third Party, which we obtained two letters. 

Chase initially provided a credit then reversed the credit on XXXX XXXX, then reversed the credit on {$2200.00}.

The explanation we get from Chase is different every time we call! In the meantime, we have to spend over {$3000.00} with another vendor as we can not get XXXX XXXX XXXX on the phone, to return any phone calls, nothing! 

We paid with our Chase Visa Debit card thinking we had some sort of protection, especially since they charge the vendor/merchant a fee to process the card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Lexington Law refuses to answer the phone when I tried to attempt to inform to them verbally that theyre terminated, but Im sure they are already aware of that fact sense I sent them emails and messages in writing confirming that.

Also, the paralegal or the receptionist hung the phone up in my face this morning because of the XXXX  of my skin and I have full proof. The call was being recorded. The Lexington Law associate hung up in my face between XXXX-XXXX  this XXXX. Im making sure I document everything for myself and the credit bureaus. Lexington Law is hands down the worst credit repair company. XXXX  is just plain evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has not been investigating the accounts I've disputed correctly. They use an electronic system that inserts the negative items although I have creditor letters advising Experian to permanently delete these items. I have been trying to buy a home and I can not due to Experian reporting accounts that have been previously deleted over 10 times!

I've submitted paperwork, I've filed complaints and I continue to dispute. They will not permanently remove these accounts causing negative impact. Something has to be done. I am ready to sue Experian. No other credit agency has these items listed but Experian somehow does.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Having issues getting my government replacement card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank is ignoring copies of payment documentation validating the correct balances owed.

There is a Balance Dispute with Synchrony Bank regarding two ( 2 ) accounts : XXXX and XXXX Card. Payments have not been appropriately applied to account. XXXX Credit limit is {$1000.00} ; limit was never increased or decreased. My payments total {$1400.00}. Account is PAID IN FULL, and no 'Easy Pay ' payments are owed ; QVC has confirmed this. Yet Synchrony Bank continues to bill {$1000.00}. As of XX/XX/2020 an alleged investigation was initiated by the Synchrony Bank 's corporate office, yet, I don't believe it, and Synchrony Bank has reported my account to the credit bureau ( s ) as DELINQUENT, causing my credit score to decrease 86 points. So egregious! You'd think they'd at least wait until AFTER the concluded investigation. However, I've advised Synchrony there will be no further payments because the account is PAID IN FULL! 

The XXXX XXXX credit limit is {$800.00}. Limit never increased nor decreased. Payment History validates my total payment history to date as {$840.00} ; Balance currently owing is {$100.00}, yet Synchrony Bank 's records continue to state {$800.00} is owing. ABSOLUTELY OUTRAGEOUS!! Despite Synchrony 's error, they have reported my account to the credit bureau ( s ) as delinquent causing a drastic drop with my credit score.

I now believe Synchrony 's billing errors are fraudulent and an attempt to coerce customers to pay double for merchandise purchased with these cards.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never received any correspondence from XXXX, Equifax and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never received any correspondence from XXXX, XXXX  and Experian from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
The accounts are not king and the support account has been closed they will not remove this report please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My dispute is that I was charged over {$190.00} in fees on XXXX XXXX due to card being inactive I was never told I must keep funds in account how was I suppose to know I was going to be receiving unemployement again so disregarded the debit card and never used it because I have my own bank account so I had no use for and I was unaware of having to close account but even so the fees for inactivity is {$1.00} per month I just don't think I should have got charged this amount just for a XXXX debit card this is totally not right I want my funds back cause this is a rip off I've never heard of paying for a XXXX debit card your never gon na use again until unexpected pandemic

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc.
State: FL

Complaint narrative:
I have been Paying Carmax on an auto finance loan for over a year and they are not reporting to the Credit Bureaus to report positive payment history. They are not reporting to the credit bureaus at all for this account. I have reached out multiple times to fix this report but they have not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
They constantly call me everyday, all day. They called me before XXXX and when I told them this they basically brushed it off & continued to ask me how I was going to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX of 2020, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX, ran my credit report three times. I only authorized one. After the first credit report was processed, they failed to ask me if they could run the report for different lenders. I feel that this is a violation of my rights. Since I did not authorize the other two inquiries, I would like two of the inquiries taken off of my credit report. In addition and more importantly, I feel that XXXX XXXX XXXX should be held accountable for failure to request my authorization. 

The banks that processed my credit were : XXXX XXXX  ( XXXX. XXXX  XXXX XXXX, UT XXXX ( XXXX ) ; XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ; and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 

Please advise on my rights in this matter. Thank you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Thursday, XX/XX/XXXX I received an alert from each of the 3 National Credit Bureaus ( XXXX, XXXX  and XXXX  ) identifying a new derogatory reporting from American Honda Motors ( AHM ). The account listed on my credit from AHM is # XXXX. The original credit listing was XXXX, XXXX when the debt was Charged Off. The vehicle was auctioned and sold with a new balance listed in XXXX, XXXX at {$7800.00}. Then, just last week, AHM decided to update the derogatory trade line with REPO. This is unlawful and harmful to my credit score models as I watched my scores decline over 100 points because of this new entry. Furthermore, this hostile attack merits FULL DELETION of the account off my credit based on the FAIR CREDIT REPORT ACT, Section 609 ( a ) ( 1 ) ( A ), which requires all creditors to list negative accounts based on updated, accurate and physical verification. Since the AHM account was updated 4 years late after a CHARGE OFF, that action is illegal and must be deleted. I want the AHM deleted now or there is no purpose in have the CONSUMER FINANCIAL PROTECTION BUREAU as a means to help the consumer and you might as well close your doors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I have had this loan for over five ( 5 ) years and have consistently made my payment of {$690.00} on time. Due to COVID 19 i was laid off from my jod since XXXX and have not received any unemployment insurance payments though i applied. The Lending clum put me on a payment plan where i was paying {$130.00} each month. i have been paying it. The XXXX payment they said was made one ( 1 ) day over the grace period hence i miust pay the full payment. I can not make the full payment and i told them that. I asked for a supervisor and was told one would call and no one has called except customer service asking for money and threatening to report negative to credit bureau.

Company response to consumer: Closed with explanation