vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank closed my checking and savings account for no reason after contacting them in regards to my deposits. Both deposits went through but still they decided to close my accounts just because. They would not reopen my account for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NV

Complaint narrative:
There are creditors listed on my credit report that do not belong to me. There are also addresses listed in which I have never lived at. Please remove them from my credit immediately.

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 2021-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have a car loan with Citizens One Bank. Im at the end of my loan payment for 72 months never late. I have been paying more than I need to pay for years to get my loan paid down faster. On XX/XX/2021 my loan payment due date the loan principal was {$1600.00}. Since Im ahead on my loan payments my XX/XX/2021 payment was XXXX. However, I paid {$200.00} on XX/XX/2021. Now my principal balance as of XX/XX/2021 Billing statement is XXXX. {$5.00} was used for the interest. 

Then I looked on my Citizens One Web page and my bill has gone from {$1400.00} to now XXXX Principal balance. My next month payment was {$260.00} for XX/XX/2021. Now its changed to {$490.00} for the month of XX/XX/2021. Without my knowledge or consent with Citizens One someone reversed my payment of XXXX making the XX/XX/2021 to {$66.00} to my principal instead of my regular payment. With {$130.00} missing out of my account and I have not received a refund. 

I called on XX/XX/2021 to an agent who gave me a conformation number of XXXX regarding my issues. Then Hung up the phone one me soon after. Then I called back to Citizens One requesting a supervisor then I was transferred, and the phone call was disconnected again. Then I decided to file a complaint with the Consumer Financial Protection Bureau. I want my payment to be changed back to the principal balance of {$1400.00} with the {$200.00} payment I made on XX/XX/2021 billed to the regular payment. I'm still ahead on my loan payments. My loan payments are {$49000.00} a month. My last loan payment with Citizens One is XX/XX/2021. 
Requesting my bill to be reversed back to the Billing statement of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I applied for a private student loan in 2003 I was denied, reason stated : deceased. 

I have attempted to correct this since then dozens of times. 

It has impacted everything from my ability to rent cars or get phone service all the way to attending school and finding housing. 

They will not even provide me with a credit report to show me what the creditors receive. I have requested free and paid versions of my report and all are declined. 

I have been unable to rectify this and it has deeply impacted my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I got a letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 with No return address and No fax number alleging I owed over {$15.00}, XXXX on a repossessed vehicle. The letter stated I had 30 days to dispute the validity of the information. 

On XX/XX/2021. I sent a letter by email and also by USPS, disputing the validity of the information and asking that proof of the debt be mailed to me within 30 days of my letter. I also informed them that according to the FDCPA, they - XXXX XXXX XXXX XXXX XXXX, can not continue any collection practices until this debt has been verified. 

On XX/XX/2021 I got a phone call from this number, XXXX. Turns out it was XXXX XXXX XXXX XXXX XXXX calling. The man on the line asked me how I wanted to pay on the {$15000.00} for the repossessed car. 

I told him I did not have any money and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had paid off TJ MAXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. Tj MAXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with XXXX XXXX and XXXX both paid off and still have the derogatory reports listed

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, Visa, XXXX XXXX and XXXX XXXXXXXX credit cards services ( over {$6000.00} ). I should have a credit score.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland XXXX {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, Visa, XXXX XXXX and XXXX XXXXXXXX credit cards services ( over {$6000.00} ). I should have a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

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 2021-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
On XX/XX/XXXX hyundai finance cashed our check to payoff our vehicle. Included with the check was the odometer statement which the company claims they never received. They state they need the odometer statement to release our lien. We have faxed this statement 50 times since then. We have called them over 10 times ( which their prompt says is recorded? ) weekly.

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 2021-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX  and XXXX  related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris Bank called and stated that I deposited a fictitious check into my account. The check was submitted to my from my son, XXXX stated the check was. not ficitious. BMO mislead me in result they took my money out of my account and never sent me a check for the balance. BMO fraud department contacted me once and I have never heard from them again. The manager of the local branch also could not assist with my issue. On XXXX, 2021 they informed me my account has been closed but my account still have alerts that are coming to my phone. BMO stole my funds and claim that they sent them back to the lender which is false information. Harvest has not received a check or money transfer from BMO bank. My account was hacked by BMO and all of my funds have been stolen. I have documents from XXXX whom sent the check which clearly states that the check was valid. I'm a gig worker and a sole owner which gives me the right to do banking from my personal checking account. BMO recently told me that a check was mailed out for XXXX. The check has not been received. The BMO account is still active. I recently received a statement which shows me the open active account that is on deposit only. Please see if you can obtain a paper trail for the money that was supposed to be refunded to the lender. I'm an XXXX XXXX  woman and I feel that I have been racially profiled by BMO Harris Bank.

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 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX XXXXf not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX  and XXXX  related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX and XXXX  related issues.

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 2021-06-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors Wells Fargo on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. Wells Fargo is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting Wells Fargo then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment

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 2021-06-11 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had paid off XXXX XXXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. XXXX XXXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with Ann Taylor and XXXX both paid off and still have the derogatory reports listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CA

Complaint narrative:
Equifax continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I requested debt validation for an " alleged debt '' from ACIMA CREDIT. I allowed 30 days for the company to respond and received NO documentation. ACIMA CREDIT violated 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this deceptive information on my credit reports. I have sent the debt collector a Cease and desist and have demanded they remove this invalidated information from my credit reports and their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Key 2 Recovery, Inc.
State: NE

Complaint narrative:
There is no valid option available for my complaint, but I was directed to cfpb from the ftc website on this issue. When communicating with Key 2 Recovery, Inc, they directed me to their website XXXX which accepts customer information without use of https, TLS, or any other form of transport encryption which violates PCI DSS requirements. When I attempted to notify the merchant directly, the representatives were rude, refused to field my question, and did not escalate my call to a manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Applied for a wellsfargo business platinum credit card for the {$500.00} offer never received I was approved for {$10000.00} limit few months later I'd add signers for the credit card witch wellsfargo assigned part of my credit limits to the signers after overall spending I was able to complete the requirements for the promotions but wellsfargo says that I did not meet the requiremints for the promotions because I've add signers to my credit card, I am a personal representative for the credit card I should have a full control for the credit card

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 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
2017 I was 2months behind on my mortgage. I contacted a mortgage assistance company in NYC. They advised me to miss a 3rd payment which I now know is unethical, they took {$700.00} up front which is also a violation. They never had a lawyer oversee the Modification which is also a violation .I failed to review the modification and singed off on it assuming the company the bank and XXXX XXXX wouldn't take advantage of me. 
I went from a 26 year Mortgage of {$1900.00} per month to a 40 year Mortgage at {$2300.00} per month. Because I was behind 2 payments I am asked to re pay over {$500000.00} more for my home in the long run. 
I'm hoping I can get the Mortgage re-done where its more affordable and because the company represented me violated the law I'm also hoping this Modification can be thrown out .I 'm also looking to get me {$4900.00} back from XXXX XXXX for they're deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I financed a car back in XXXX with Credit Acceptance Corporation. I called and got a payoff amount and the physical address to send the check to because I had secured refinancing through my credit union. I obtained a payoff amount for {$6400.00} on XXXX XXXX, XXXX. My back mailed a check for {$6500.00} plus dollars on XX/XX/XXXX, which was right in the the 10 day payoff period. The checked was cashed on XX/XX/XXXX. I received a call from a young lady from Credit Acceptance Corporation in XXXX, MI who identified herself as an operations manager. She asked me was it a mistake that a check was sent for that amount. I replied no stating that was the payment amount and they the loan had been picked up by my credit union. She then told me that the payoff amount was incorrect and I owed {$4000.00} more dollars. I explained to her that I had the paperwork from Credit Acceptance with the payoff amount on it. I insisted on giving her my credit union 's number but she said that she could not speak with them and she could only speak to me, which sounded very strange. Can you please look into this matter because they seem to have some subpar business practices.

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 2021-06-12 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
My credit report is reporting late payments on accounts that should not be 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