vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SD

Complaint narrative:
I have called numerous times from XX/XX/23 - XX/XX/23 and never been connected with an agent at MOHELA. I have left call back numbers and never been contacted. I have sent emails and also never been contacted. My initial payment was incorrect ( I paid ) and then my account was placed in forbearance without contacting me. I then was approved for a XXXX XXXX ( XXXX ). However, my current monthly payment is still incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I asked to close my Huntington XXXX and Checking personal banking account four separate times starting in the end of XXXX. 

The reason for originally wanting to close my account was because of monthly maintenance fees that were never explained. 

XXXX XXXX at Huntington in XXXX XXXX XXXX XXXX told me over the phone I made enough income to comfortably pay the additional fees and why do you want to close an account with a local bank. 

I asked her to close all my accounts. She was extremely rude and told me I must do it in person. I needed to make a special trip back to the bank. I was assured it both accounts were closed. Come to find out weeks later they were still active. I went back to reclose it. I was assured again it was done and it will take a while. 

Went back a month later it was still active with more money in my account. Asked to close it again. 

Finally I went back today and it had deposits from a XXXX account. I pleaded again I wanted zero relationships With Huntington bank and to cancel all my accounts. 

It is still not finalized and I need help severing all ties with Huntington Bank. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I sent this company a 609 letter stating that this debt is not mine and that I would like to see a debt validation letter in XXXX when this first appeared on the credit report. This company continues to put this debt on after we have already disputed and clear the debt with the the credit Bureaus before. This is not my debt and I would like it to be removed off of my credit report, due to the fact that is is NOT MY DEBT and also it hurts my credit rating to be able to leverage my credit to get a new home. Please remove this off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX made an unauthorized inquiry and received an unauthorized copy of my Credit Report from XXXX. I am requesting the removal of the inquiry from my credit report. 

XX/XX/XXXX, a credit card was taken out fraudulently in my name at USAA Savings Bank. The account was closed and charged off {$640.00}. USAA has acknowledged this as fraud and identity theft however has taken no steps to remove from my credit report. USAA Savings Bank is negatively affecting my XXXX score and therefore I have had to pay higher interest rates on a car loan. Shame on you USAA! Please rescind from XXXX, XXXX XXXX and XXXX. This has gone on far too long!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.

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 2023-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This was part of an XX/XX/XXXX " Zombie '' loan I took out over 12 years ago. I completed a Loan Modification and was not aware this loan was never paid off. The XXXX XXXX  HELOC loan sat dormant and never appeared on my credit for me to know I still owed it and had to pay. 
Last XXXX I was told that my home was going to be foreclosed upon. I've since been trying to negotiate with the lender ( SLS ) to remove or reduce the original principle of {$94000.00} but they now are threatening to sell my home if I don't pay {$150000.00} by XX/XX/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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wanted to open new account in BMO along with safe deposit box. Called XXXX branch. spoke with manager- XXXX XXXX she gave me appointment on XX/XX/XXXX. When i reached, she took my information, promo code etc and then told she cant open my account and asked me to come other week. i went to bank with my wife other week ( on XX/XX/XXXX with appointment ). we cancelled all our appointments and went to bank to open new account. After going to branch, bank manager started giving different excuses. first she told my appointment is on wednesday, then she told bank computer system is down and they will call me once system is stable. one other employee wanted to help me but bank manager turned her down and asked us to come other time. its been whole day and they never called me. How can computer system can be down whole day in the bank next to XXXX campus and in XXXX XXXX. I saw other people going to bank. Later that day, i again called them and asked if their system is stable. Some employee picked up phone and she wanted to give me correct response but some other male manager picked up phone and he told me i can not open account at their branch because our business interest don't align. this is clear discrimination against XXXX people. I have been seeing such discrimination in this branch ever since i visited. they are giving me some or other excuses and don't want to help me open new account. i asked them multiple times that i will open account online then they said no, i can not open account online. if i open account online then they will not give me safe deposit boxes. I tried complaining to their customer service over the phone, XXXX and XXXX. They kept telling me I will get response in 1 -2 business days and so far I did not receive any feedback.

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am on XXXX and I leased my car from XXXX with AMERICAN CREDIT ACCEPTANCE being the finance company. the car cost {$11000.00} I believe, and I been paying on this car since XXXX. THATS 5 YEARS, and the car STILL have a Principal Balance of {$11000.00}, Accrued Interest of {$2000.00}, and Fees & Charge of {$1300.00}, all which is making a payoff of {$15000.00}. This sounds WRONG. I am sick disable, and I am not understanding what is going on with this. The car was reprocessed in XX/XX/XXXX. They claimed it sold XX/XX/XXXX for {$2000.00}. And they are still charging a monthly regular payment for XXXX for {$360.00} and a new regular payment for XX/XX/XXXX for {$360.00}. I been complaining to them for years. I need help, I feel robbed, cheated, and taken advance of and I want my money back. 
I also want to join the case, CONSUMER FINANCIAL PROTECTION BUREAU and THE PEOPLE OF THE STATE OF NEW YORK, by XXXX XXXX, Attorney General of the State of New York, based on the above, and them hiding the true cost of the credit, setting me up to fail, and them doing stuff knowing that it would hurt me, and more! I tried asking them to lower the price so it could fit into my XXXX budget with no help. I told them my health was declining and it seem like it made it worst. By the time XX/XX/XXXX got here I could not keep up with it. Plus, I seen that they were just taking my money and it was not putting a bent in the payment after 5 years. Please help me get some or all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through XXXX regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from AMEX/XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from XXXX that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by XXXX or the AMEX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I filed a complaint against XXXX XXXX, XXXX XXXX, and XXXX. I am asking SPS to cancel my sale date. The case number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2023 I submitted an application bearing my name social security number and endorsement for credit for a car for personal use. the Bank used is my primary bank and haven been dined for a credit transactions for 10 years of. active deposits. this company has not extended me credit on one occasion, so it has become gross behavior and am seeking the maximum allowable monetary penalty to relieve the harm cause by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
The dispute for the account with XXXX XXXX XXXX  that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 The dispute for the account with XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2023. 

Source : Experian Date Submitted : XX/XX/2023 Estimated Resolution Date : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is a fradulent account i have attached my FTC Report along with this. I was XXXX  when this account was opened.

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 2023-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I Sent an E payment via My Credit union on XX/XX/XXXX XXXX ( a Fri ) Payment was due XXXX ( Sun ) so I was charged XXXX $ late fee for one day ( ok I guess since they don't process on Sun ( I guess ) so I'll accept that. XXXX pay was received on time yet I was told owed them XXXX $ because they would consider that late as well. I asked to speak to the Supervisor for an explanation of the logic and was hung up on, assuming I was disconnected I called back and was once again disconnected. The Bill is with " Synchronicity Bank '' on XXXX letterhead yet when I called them I was lectured on '' Credit Card Reality and the Real World '' by an assistant to the person I usually deal with. Restating : Why am I being charged XXXX $ for being one day late? charging me for being late on Two payments? I guess they say the XXXX Payment was processed to XXXX as a Late payment then The XXXX payment was considered late and are now charging me for that as well even though I made that Payment.Makes no sense?

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, i contacted XXXX regarding an account that is reporting on my credit report. I sent them a letter because Midland Credit Management advised that XXXX is the original creditor. I contacted both of them requesting information ( debt validation ) that this debt belongs to me. XXXX just keeps emailing me stating that they do not own the account and to contact Midland Credit Management. Midland is only sending billing statements which is not a debt validation. I request to have signed original agreement, payment history, proof that they are able to collect in my state. Neither are providing me information and this needs to be deleted immediately.

Company response to consumer: Closed with non-monetary relief