vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/2018 A hard inquiry that is old a should be removed immeadtaly i tried to contact the credit buerau to updated this information, its been over 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NM

Complaint narrative:
Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting Disputes with all three credit reporting agencies on every quarter beginning XX/XX/XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ),  Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a returning XXXX  Veteran of the XXXX XXXX, with the injuries ( physical and psychological ) I sustained during XXXX XXXX XXXX ( XXXX ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of post marked forbearance on accounts going back to XXXX of XXXX. I applied for the application of this policy regarding my missed payments and was told that my lates were ineligible because my late/missed payment were too early in XXXX, they were reported before XXXX of XXXX, the limit of where the post dated deferment would apply. 

I PAID IN FULL and closed the account last year under the condition that once the account was paid off that the past disputes I submitted would be addressed and the lates would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that were provided to make the requested adjustment to my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one auto car loan is current and paid in full. But in the Credit Bureau it showing as delinquent. Please fix this asap Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: CITIBANK, N.A.
State: WI

Complaint narrative:
XX/XX/2018 a hard inquiry that i want to be removed immedatly i have no knowledge of this item

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 2020-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home depot offers a new card promotion, " {$25.00} off your purchase of $ XXXX, {$50.00} off your purchase of $ XXXX, or {$100.00} off your purchase of $ XXXX ''. 

This is my 2nd time in 5 years I have attempted to sign up for a Home Depot Card where they have tried to hide, limit, or no support their new card offer. The promo code they give you is only sent by mail and if you shred the accompanying letter there is no recourse for the promotion. Online help directs you to phone support. Phone support directs you in store. 

I just want the promotion I was offered to sign up for a new card. There is no reason why I would have signed up for this card other than the promotion offered and now feel as if Home Depot is bait and switching the offer.

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 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom Mortgage Corp. Is showing delinquent on all 3 Credit Bureau when this mortgage was on short sale and paid in full by other bankers. It should show current on my Credit Bureau.

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 2020-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
On XX/XX/2020 I mailed a CRRR # XXXX to AmeriFinancial Solutions to the address listed on recorded on XXXX  and XXXX for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. Amerifinancial Solutions has committed several violations by failure to reply and verify these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XX/XX/2018 a hard inquiry that i want to be removed immedatly i have no knowledge of this item

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 2020-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I mailed a CRRR # XXXX to XXXX XXXX to the address listed on recorded on Experian and XXXX  for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. XXXX XXXX has committed several violations by failure to reply and verify these debts.

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 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am a DISCOVER credit card holder. The card was used in some vendor 's site for autocharge. We suspected the Credit Card # was compromised and wanted a new card number so that autocharge feature be stopped and we could have a new fresh start. DISCOVER people stopped the old card and issued a new card. However they are continuing with the charges based on the older stopped card. They expect us to call the individual vendors and stop the usage. I think is is an unethical and unacceptable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXXXXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX 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 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never days late.

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 2020-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
hi my name is XXXX XXXX, someone on the app XXXX sent money to my account on accident Ive told chase numerous times to send their money back, I am not aware of this persons contact information or who even they are. They never sent the money back to the sender which resulted in the person placing a claim on me and having my account on hold for 2 months I need to pay rent Ive stressed this to them many times if they could just send the money back and unfreeze my account. Im taking care of my XXXX siblings due to corona weve been stuck.. and my last savings are in there chase hasnt been help at al every time I ask for help they turn away their heads.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX   ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: IL

Complaint narrative:
The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) XXXX ) XXXX XXXX   ( XXXX ) 11 ) XXXX  XXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX 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 2020-08-09 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: NC

Complaint narrative:
I previously sent three letters to Equifax letting them know that I am a victim of identity theft and also the suspect XXXX XXXX had a fraudulent driver 's license create it in my name and she's currently locked up for identity theft and mail fraud Equifax has deleted everything else except for the XXXX XXXX XXXX fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I was basically scammed into buy a XXXX XXXX XXXX XXXX for {$10000.00}. 

The dealer, XXXX XXXX XXXX told me initially offered me a really nice XXXX, and then told me the grand am was all I could get. My partner had just passed his family took the car we just bought and I had to get my XXXX to school. They told me they'd accept {$1000.00} down but to not mention this to the creditor. I agreed to pay {$6000.00} for a {$2000.00} car because I was desperate. The windows immediately stopped working. Then the wheel bearings and tie rods went. I tried to use the lemon law, but the car was too old. I was forced to open a XXXX XXXX credit card and max it out. The loan ended up being {$10000.00}. I was unable to afford daycare to continue working. The car was stolen and destroyed. XXXX didnt cover the repair. I ended up losing our home. I tried to get it fixed through XXXX XXXX XXXX XXXX and put {$200.00} down. The car was not worth the repair, so I agreed to allow Credit Acceptance to repossess and I was told they only got {$150.00} for the car which went toward my balance. This was 4 years ago. Suddenly they are reporting recent missed payments which took my credit score down 130 points making it XXXX. They have claimed it was charged off 28 times. This company has multiple complaints against them but nothing is done and it is not right. I do not have the car. I cant refinance the loan. I cant afford the payments they want, and I shouldn't have to pay a penny more for this scam than I already have. I need a vehicle. I am a widow and a XXXX. I need someone to help me get this off my report so I cant get a reliable vehicle and get on with my life.

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 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom it May Concern : This is the second time I have had to report Midland Credit Management Inc. I previously contested a fraudulent account made under my name, providing documentation that I was living out of the country at the time a card was opened in my name in the United States. Midland Credit Management continues to harrass me even after I disputed the account. I then filed a claim with your department and the claim was dismissed. At the same time they began sending me letters and calling me about an account from XXXX XXXX. I also called them, and on at least three occasions requested the phone calls be recorded, and then asked them to send statements of the XXXX XXXX account to verify these were charges I made. They have failed over the last few months to provide proof, where the burden of proof that this account was mine has still not been fulfilled. They then sent me a letter of pre-legal notice saying to respond by XX/XX/XXXX. 
As previously stated I have asked for documentation from Midland Credit for several months, providing details of the XXXX XXXXXXXX account. I am challenging their threatening practice as well as their right to sure when the have refused to provide me information before disputing the account. This account is stated to have been charged off in XX/XX/XXXX, during which I was also out of the country. I have already provided copies of my XXXX XXXX from XXXX showing I was residing there from XXXX onwards. 
Midland 's practices are unethical and I am requesting this matter be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim and a senior citizen of homeowner to be foreclosed for my primary resident which claimed " a shelter or a home '' for my family and we purchased our shelter since XX/XX/XXXX and I worked very hard with 3 jobs and was working for 7 days a week in the young hood due to predatory loan and we could not be paid off in our lifetime so I was behind payments and then I was trying my effort to looking for counsels to do Modifications for foreclosure defenses but Bank was refusing and previous counsel was corruption and conspiracy with a trustee to make us to be " HOMELESS '' we were unaware of foreclosure during taking place on XX/XX/XXXX early morning ( a next day of Independence day ) but we thought that we engaged a counsel to postpone of foreclosure and deal with Modification or reinstatement as prior with {$45000.00} forbearance in XXXX and paid no less than XXXX XXXX XXXX for our shelter. WE complained an essential element of taking place in foreclosure incident due to ( 1 ) with an evil and crooked of my previous counsel, XXXX ; ( 2 ) Bank 's counsel and trustee Foreclosure was taken place on XX/XX/XXXX because my previous counsel practiced of wrong direction and misleading and I wanted him to restore my behind Mortgage but he was greedy to obtain his own interest and betrayed us and failed of his duty.

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 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EAST WEST BANK

Complaint narrative:
I was contacted by XXXX XXXX XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in the XXXX where I reside. I now understand that XXXX XXXX   XXXX does not have the ability to provide segregated accounts for investment purposes. 
After that i contacted XXXX company to help me out of this problem.

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