vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: NJ

Complaint narrative:
My name is XXXX XXXX, I'm a full time employee with XXXX XXXX, a full time parent, former college student and Veteran of the United States XXXX. 
This statement is directed towards VW Credit and the issues that I had experienced after informing them of my hardships. 

XX/XX/XXXX I had called VW Credit to inform them of my hardship that I was facing and wanted to know my options and expressed that I was open to any type of assistance with my auto loan. The customer service agent wasn't unpleasant but seemed to lack compassion in regards to my current situation and suggested that I could voluntarily surrender the vehicle but it was going to cost me {$300.00}. I of course did not have this amount to spare at the time due to needing the vehicle to travel in search of / commuting to work, having a child full time, and to grocery shop. I then avoided their calls from that point on due to fear, anxiety, and XXXX. 

In XX/XX/XXXX, I omitted myself into the VA Hospital in XXXX, GA for XXXX and suicidal thoughts. This was partly stemming from debt collectors, including VW credit not attempting to assist me during my current hardship that I was facing. 



XX/XX/XXXX Wrote VW Credit a note and submitted it, explaining that I have found employment as a government contractor and wanted to be placed on a payment plan that would be reasonable so that I could catch up. I had stated in the same note that I did not want to communicate over the phone due to the discomfort of the situation so I suggested email. 

I never received a response to my note but a phone call that very day or next from VW credit. I refused to answer, knowing that my note was received and reviewed. 




XX/XX/XXXX Decided to call VW Credit because it had been a month since I wrote them and the anxiety was torturous. I spoke with a collections clerk by the name of XXXX XXXX XXXX and he basically made it seem strictly business and that despite my prior hardships, their was nothing they could do for me in regards to debt forgiveness and that I will need to pay the balances owed. I promised to pay {$500.00} on XX/XX/XXXX and will do so but I was never given 60 days to prevent late payment reporting to the credit bureau, after stating my hardship back in XXXX. Due to this creditor not offering assistance, my credit has suffered dramatically since XXXX of XXXX and even today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I filed a previous complaint XXXX # XXXX XXXX. The essence of the complaint was that Navient issued a negative report against me to credit reporting agencies based on a payment default on a student loan on which I was the co-signor WITHOUT GIVING ME PRIOR NOTICE THAT THE LOAN WAS IN DEFAULT. In its response, Navient provided me with a copies of the promissory note in question ( Note ) and Navients written notices of default. Navients contention is that my contact information had not been updated, thus making it impossible for Navient to have notified me of the default. To the contrary, both my cell phone number ( XXXX ) and office email address ( XXXX ) are provided on the first page of the Note. This contact information remains correct to this date. Had Navient exercised even a modicum of diligence, it could have notified me of the default using either cell phone or email contact information, prior to Issuing its damaging credit report. It did neither. Moreover, the address that appears on Navients notices of default ( XXXX XXXX XXXX, XXXX, ME ) has not been my address since 1974, when I was a student at the XXXX  XXXX XXXX XXXX. This address does not appear on the Note and it is a mystery to me how Navient decided to send notices to this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly disputed inaccuracies with an account named XXXX XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was charged {$18000.00} over the course of 72 hours on my debit card, which was stolen along with my phone between May 24-28, 2019. Bank of America contacted me on XXXX, XX/XX/XXXX, saying they had tried to contact me based on suspicious activity. I have submitted fraudulent charges three separate times, each time being rejected by them based on their " criteria '' for unauthorized charges and not believing my version of events. In the three months leading up to the stolen card, I had not used my debit card outside of withdrawals near my apartment in New York, and only allowed recurrent auto-payments from third parties each month ( cable, utilities, student loans, etc. ). It is inconceivable that the bank even allowed that amount of withdrawals/charges within 72 hours, and even more unfathomable that they would not refund the money stolen.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: DC

Complaint narrative:
Yesterday XX/XX/XXXX I flied a complaint with your bureau for the second time against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX, XXXX  & XXXX credit report in which they claim I owe directly to them on behalf of XXXX. XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group , LLC has received this complaint. As stated in the first CFPB complaint this account was reported to us as paid by the client on XX/XX/2020. It was updated to the credit bureaus on XX/XX/2020 as paid in full. It takes the credit bureaus 30-90 days to update and remove. If the consumer which to expedite this process he will have to contact them. However, National Recovery in both of my previous complaints continues to not honor my request in giving me a confirmation letter on their letter head stating that the account has been closed and they have sent a request to all three credit bureaus to remove this collection account.

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 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Recovery Inc
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX turned on overbilled consult to a credit agency for collection without contacting me to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
This account was negotiated for a significant less amount. The payment history is not showing correctly and every dispute I make does not fix the issue. The account was settled for {$290.00} and no payments are outstanding. All collection activity has ceased yet its still showing on my credit report and the other credit bureau 's that the balance is outstanding for a much higher balance. Its still showing unpaid and as a charge-off. The settlement was for {$290.00} from XX/XX/XXXX until XX/XX/XXXX for {$48.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly disputed inaccuracies on an account named XXXX XXXX on my TransUnion credit report. TransUnion has responded that they verified with the creditors the account information. However that can not be true because XXXX is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the TransUnion is supposed to verify and report accurate information or they must delete. TransUnion is violating my rights under the FCRA, which is illegal. TransUnion has never sent any method of verification, who they spoke with or how they verified this information. TransUnion needs to delete this account since they can not verify and report accurate information

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 2020-02-13 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: IN

Complaint narrative:
Synchrony Bank ( Lowe 's Credit Card ) is continually trying to collect payment on a disputed charge in the amount of {$440.00} which is currently under investigation. The item purchased was never received, which can be easily verified by contacting the merchant. They have not removed the charge from my bill despite multiple requests, and initially attempted to charge interest on the balance of that {$440.00}, after I had initiated the dispute. Fortunately, they removed this interest charge upon my complaint. They still have not suspended the disputed charge.

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 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I signed up for XXXX XXXX  AAdvantage MasterCards, issued by Citibank, that earned XXXX XXXX miles for spending on the cards. XXXX XXXX recently terminated my frequent flier account, unilaterally and without warning, claiming that my miles were earned fraudulently. They offered no details to support this claim, and offered no opportunity for me to challenge the decision. They confiscated over XXXX miles which represent a commercial value of approximately {$5000.00}.

Since my miles were earned primarily though the CitiBank credit cards, via an arrangement Citi has with XXXX, this violates the card agreement between CitiBank and myself. I abided by all the terms of the Citi cards and they provided those miles as an inducement for my business. XXXX then stripped those rewards- Citi should be responsible for replacing the value lost.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield ( HWARFIELD ) dated XX/XX/XXXX put us in bad credit for {$6000.00} based on XXXX XXXX stating we broke lease and left property in a poor state. Facts are that we lived there for 6 years paying over {$17000.00} a month with utilities included and were never late or missed a payment. Each year the agent did a walk through and NEVER noted any abuse by us on the property. For the last three years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the agent listed the roof interior being cracked, falling, and leaking. Each time several contractors came out and gave quotes to landlord and nothing was fixed. Water leaked into the kitchen and was reported several times where a roofing company came out and said they fixed. Next time it rained, water came in that ruined the tile in the kitchen that is now being said we damaged. XXXX XXXX was notified several times each year that the water was shut off for non payment by the Landlord. Records can be seen through XXXX   XXXX XXXX. Each time the agent came out she was show where the grass and yard were not maintained by the landlord as stated in lease. Again these things were listed in the walk through report. After she left each year we did seem to get better yard service for a month or so after, but then went back to same. I have pictures of all of this along with pictures to how the house was left. They are also charging us with painting cost. In our lease it stated we were NEVER to paint. We followed the lease, but once the mold began to cause issues with our health and shady contractors making us feel unsafe, we were forced to leave. On a side note, the owner of the property did a walk through with us prior to us leaving and they were not happy that we were leaving. They did not say anything about any problems with the condition we were responsible for the property.

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 2020-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX We closed our account with XXXX in XXXX and moved our money to Huntington in XXXX . Then on XX/XX/XXXX we closed our account with XXXX XXXX   in XXXX and also put those funds into Huntington for a much higher interest rate that XXXX gave us. We had 2 % for 1 year if I stayed at XXXX and 1.5 % for 1 year at XXXX XXXX. It made total sense to leave the other banks based on the amount of money we had to deposit. We were told that our rate would be 2.5 % for XXXX year in this money market fund including any other deposits made during that year such as my Social Security checks. I worked with the manager of the  XXXX Huntington, XXXX XXXX. 
Approximately two months ago we noticed that our interest rate had dropped to .5 %. which had been going on for two months prior to us noticing. 
I called XXXX XXXX numerous times and also visited twice. His response left me feeling positive that they were going to fix the problem. XXXX told me for the last two weeks that it will be taken care of by Friday of those weeks. It did not happen. I then tracked down his district manager XXXX XXXX who XXXX said he was working with on this problem. I was told on Monday XX/XX/XXXX by XXXX that the 2.5 % promotion was on the cusp and this special promotion was no longer in effect and only good for 6 months and not 12. She stated that it had been turned over to another department for review. I asked XXXX to check with them and call me back that day. She did not call. I called her back the next day and left a message. No call back. I have my doubts that anyone is working on it. If they were, I can not accept that they have been for 2 months. It should not take 2 months to fix what I was told. I have plenty of proof that I was told I was getting 2.5 % for one year. 
As a side note, We have been doing business with Huntington including our company business checking and escrow accounts since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XX/XX/2020, after holding this account for 7+ years, I found myself suddenly unable to make online purchases at ANY of the Dicks family of stores, or using the app. ( Dicks.com, XXXX & XXXX, and XXXX ) After multiple calls with Dicks, and Synchrony Bank customer service, I was told that the Mastercard branded cards don't actually work online ( This is after me making online purchases for the entirety of the life of owning this account ). I told them that not only is that not true, but that the Cardholder Agreement even states clearly, under Use of Your Acct : " You may use your account for Purchases from XXXX, XXXX XXXX XXXX, and XXXX XXXX Locations, including these brands In-store kiosks, OR online sites and from ANY merchant that accepts Mastercard ''. I believe that it is an Unfair and Deceptive Act/Practice. Only after not accepting the original information was I connected to someone at Synchrony that stated that a technical issues is what is causing a population of customers to no longer be able to use the cards online. They have not communicated any of this in any way, and could provide no indication on what the specific issue was, or when it may be resolved. I actually run a Credit Card program at a Large XXXX XXXX, and can not believe that this issue has been out there for at least 2 months without communication or resolution. Additionally the fact that you have customer service representatives telling customers that the card is unable to be used online is both a contradiction to the Cardholder Agreement, and to the issuer 's contract with Mastercard.

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 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
RoundPoint Mortgage Servicing keeps contacting me about refinancing option. I have told them multiple times that I was not interested and they should stop calling me. This happened between XX/XX/10-XX/XX/2020

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 2020-02-13 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: FL

Complaint narrative:
I called trans-union because i received an alert saying my score went down by 51 points, according to XXXX XXXX it says nothing has changed on my report. I called trans-union and they claim the score is XXXX XXXX when i asked for my true score with trans-union they refuse to give it to me unless i pay, when i asked for a copy of my credit file they said they were unable to give me the report because i filed a dispute. the disputed account has already been removed from all my other bureaus except for them they keep coming back saying its correct when all the other companies agreed its not and the creditor agreed to remove it from my account. 

so basically they lowered my score 51 points for no documented reason, refuse to go over my credit score and refused to provide me with a report to explain why they lowered my score. they're baiscally acting like a mafia holding my credit report hostage while they make unfounded and undocumented changes I feel like i'm being blackmailed into paying for my own information, this should not be allowed it's my information!!!!

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 2020-02-13 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: VA

Complaint narrative:
On XX/XX/2020, I tried to open a new account at a credit union and was told my date of birth did not match the date on my Equifax records. When I reviewed my Equifax record I saw that my middle initial and my date of birth were in error. On XX/XX/2020, I filed a dispute with Equifax online, submitting a copy of my drivers license to support my correct middle name and date of birth. On XX/XX/2020 I called Equifax to check on the status of my dispute and was told that now in addition to my drivers license they need a copy of a paystub or my social security card as proof. This is their mistake - they should be required to correct it. I have provided evidence of the error and I'm confidant their records contain plenty of incidents of my true name and date of birth - I have a number of credit accounts that I know are in my correct name and my drivers license shows the correct date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XX/XX/XXXX. I had been in the hospital all through XX/XX/XXXX until XXXX  XX/XX/XXXX. The accounts continued all throughout XX/XX/XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF EDXXXX XXXX {$4800.00} US DEPT OF EDXXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}

Company response to consumer: Closed with explanation