vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
The Huntington National Bank and its Recovery Department in XXXX, Ohio have maliciously sabotaged efforts to repay the new agreement amount of {$1.00}, XXXX since XXXX XXXX, 2020. My monthly payments to XXXX XXXX XXXX XXXX XXXX are missing and inaccurately being reported to credit bureaus since XX/XX/2020 to Present. Regarding a dispute, since there is not a fixed amount due each month or a specific due date ... there recovery department reported my XX/XX/2020 payment as " LATE '' to one of the credit reporting bureaus maliciously damaging my credit report! 
Huntington National Bank heinously reported to XXXX  Credit Bureau in XX/XX/2020 that I owe and have a balance of {$40.00}, XXXX damaging my credit report ( s ) intentionally. I have tried since XXXX, XXXX, XXXX and XXXX to remove these inaccuracies but Huntington National Bank - XXXX XXXX Customer  Research has continued to give over this false information. The Fraud Department of my 3 credit reporting bureaus are wanting a Police Report in these ongoing investigations to have these lies removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have requested several times to Lakeview Loan Servicing to have my Escrow payment adjusted due to having a XXXX veteran exemption on my property. I am currently paying $ XXXXmonth of escrow based on an elevated tax bill that does not apply to me since I have been able to put my XXXX veteran exemption in and it was effective immediately. The latest bill that I received for the month of XX/XX/2020 was {$800.00} for the year which has been submitted to the company. My annual property insurance bill is only $ XXXXyear which is correct on their website. I am requesting an adjustment to the rates that are actually in place. I have spoken with at least 3 or 4 different people since XX/XX/2020 to make these adjustments along with submissions through the website. Please reach out to me if anything else is needed. Thank you.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying to dispute items that don't belong to me Experian refuses too help unless I sign up for there membership they want me too keep resending the same info such as driver license SSN proof of residence which I have sent now there telling me that ii can't dispute anything unless I sign up for there monthly membership.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I called Amex Serve to find out what the issue was with my card and when I told them to fix the issue the representative hung up on me. They have declined every transaction that I have attempted since my deposit went into the account. I am refused access to a US based call center to speak to someone that I can understand and they understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I previously contacted you about this situation. XXXX from Credit Acceptance advised me to call them and that the problem with the extended warranty cost will be refunded against my loan. I just contacted credit acceptance and they have no idea what I am talking about. I would like this taken care of and the derotogatory marks on the credit report removed. I need to get this done. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
paypal which is owned by XXXX  refuses to honor the policy and aggreement between XXXX and myself which which states that a seller 's payments for goods and services sold through the the XXXX  platform in which paypal collects the proceeds from the sell shall only be subject for a mandatory 21 day hold for 90 days. Once the seller has been an active seller for 90 days, the seller shall have immediate access to funds from sales made on the XXXX platform held in the paypal 's seller account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Contacted company in XX/XX/2020 regarding account that should be removed. Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
We are a XXXX based company. On XXXX XXXX, 2020, we made a wire transfer to our US based partner company for payment of an invoice. Their bank is Wells Fargo. The wire transfer was sent and on XXXX XXXX, 2020, we were advised that our partner did not receive the funds. We realized the account number was incorrect on the wire transfer, so we immediately went to our bank, XXXX, and advised them. They immediately put a stop on the transaction even though it was several weeks later. In looking at the wire transfer information, the account number did not match the payee company information. When this information does not match, the policy of all receiving banks is to hold and return the funds to the originating bank and a new corrected wire transfer submitted. All details on cheques, drafts, money orders, wire transfers, etc. must be accurate and match before a deposit can be completed. In the past, we have had payments to US based suppliers and payments from US based customers held and returned due to inaccurate information on bank drafts and wire transfers. This causes delays and is inconvenient but necessary and understandable to maintain the integrity of the international banking systems. 

I contacted Wells Fargo to talk to them and was advised that they could not speak with me because I was not their client. I asked my partner company that was the client, to speak with Wells Fargo, and they were advised they could not speak with them either and Wells Fargo would only speak with the originating bank ( XXXX ). We spoke with our bank, XXXX, and they have been trying to get the money returned to our account but Wells Fargo are not co-operating. We believe the money was deposited to the erroneous account which is against bank policies and Wells Fargo is trying to hide their negligence. The amount is {$79000.00}. This is a large amount and an international transfer over {$10000.00} in value. We were under the impression that all amounts over {$10000.00} entering the US were required to be scrutinized for fraud and to prevent money laundering. These simple bank procedures were either not performed by Wells Fargo and our money has not been returned to XXXX for us to send a corrected wire transfer.

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am in the process of refinancing my mortgage and the lender asked me to call my servicer ( loancare ) and ask them to pay the taxes due this month prior to closing on the refinance. I have written them through their website ( 4 times ) and spoke to customer service on the phone twice with no results. In addition to paying out the taxes due, I informed them that I received notification that my total tax payment has been reduced by XXXX county. They said they were never notified about the reduction, so I attached the document I received from the county to the emails I sent to them. When I check their website, the taxes are still listed at the higher amount, nothing has been fixed. I am losing patience as I would like to close at my new lower rate.

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 2020-12-10 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: MA

Complaint narrative:
Experian is inaccurately reporting and account on my credit file that doesnt belong to me and is not mine. Account shows as XXXX in the amount of {$310.00} dollars. The address on the account is XXXX XXXX XXXX XXXX XXXX, Massachusetts. I XXXX XXXX XXXX XXXX never live at that address nor have I ever given anyone permission to you my name on this 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 2020-12-10 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX  XXXX XXXX I am making a formal credit dispute for my terminated leased XXXX XXXX XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.

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 2020-12-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letter of dispute of inaccurate items contained in ccredit report on XXXX/XXXX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
This complaint is to raise a concern on the mortgage servicing practice carried out by my lender - Home Point Financial ( which is now Home Point ). Our loan was sold off to this company right from beginning. At the time of closing, we couldn't afford to make complete 20 % so we had to pay PMI until we reach so. Now with additional principal payments I should be able to reach there soon and avoid the PMI and this is where the problem started since I had to work with the Mortgage company. 

I contacted the company multiple times regarding this and they mention the only way I can do something is to e-mail at XXXX. There is no phone contact number to them. Also their response time to every mail is 60 days!. I have been trying to reach them through e-mail couple of times now and they never get back. It is unacceptable for people like me to pay PMI even after reaching 20 % only because the mortgage company is slow in working on it. 

Apart from this I have also been trying to setup bi weekly payment with this company for 1.5  months now with multiple calls and 2 times form submission with required documents. However every time I contact them, the customer care tells me the bi-weekly payment is still not setup. 

These lending practices are simply awful and are a nightmare to everyone. Any improvement in this regard would be very useful to millions of customers like me. Also please help me get a response back from PMI team on my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian on XX/XX/20 for a reinvestigation of a dispute I started against the company XXXX and provided them with proof of response from my filing of complaint to the consumer financial bureau about the collection agency XXXX ( that appears on my credit report ) in which XXXX agreed to remove their account from my credit report. Experian sent me a response on XX/XX/20 stating that XXXX will remain on my report despite the proof I provided that they should be removed. I dont believe they actually contacted the company or looked at my documents. They did absolutely no investigating and gave me results in less than 24hours that were incorrect. I want that company removed from my account 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 non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
mi informe de crdito muestra sobre una deuda que nunca se verific que fuera exacta y la que notifiqu por segunda vez el 12/03/2020 pero nunca respondieron y aun no contestan .

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 2020-12-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent letter of dispute of inaccurate items contained in ccredit report on XX/XX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX XXXX  I am making a formal credit dispute for my terminated leased XXXX  XXXX  XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have an auto loan with Credit Acceptance Corporation. With XXXX being especially hard, I have reached out to the company on numerous occasion explaining that I had been furloughed and that I needed to either 1. change the due date on my account, 2. lower my payments, ( even if temporarily ) or 3. refinance. I told them that I was still working but my pay was extremely limited. Repeatedly I was told that I could not do any of the above and that my only option was to double up on payments. 
At the end of XXXX, they put the car in collection/repossession status and told me that they would collect any day. Being that I wanted to avoid this, I asked if I could sell the vehicle and settle the account. I was told no. If I were to sell the vehicle, I would have to pay the buyout with was {$19000.00} for a XXXX XXXX XXXX XXXX with XXXX. Obviously this is already a bad credit loan. And they insist they are trying to help people like me. But it seems they are extorting people like me. Nothing about this whole situation has been helpful. It is a decision that I have lived to regret and I wish there were more options for people like me to get themselves back on track. Companies like this dont help. They make the situation worse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE ADJ - PREV CYCLE # XXXX {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX PREV CYCLE CASH FEE # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode NOT AVAILABLE INTEREST ADJ - PREV CYCLE CASH ADVANCE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX ADJUSTMENT-CASH ADVANCES # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE DISPUTE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX CASH ADVANCE FEE {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode MANUALLY ENTERED XXXX XXXX XXXX CA # XXXX {$25.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX According to XXXX anything thru XXXX is considered a cash advance so that why I was charged {$10.00}. 
This is WellsFargo response : My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. 

I received your email about the {$10.00} cash advance fee that was assessed to your credit card account number ending in XXXX. I realize your concern about the fee being assessed and I will be happy to look into this matter further for you. 

Please be advised that I have received your two follow-up emails and will be addressing all your concerns in this one email response. 

Our records show a cash advance on your XXXX statement at the same merchant in the amount of {$45.00} on XX/XX/XXXX. You were assessed a {$10.00} cash advance fee. The refund of this fee was reflected on your XXXX statement on XX/XX/XXXX. On this same statement another cash advance was made in the amount of {$25.00} on XX/XX/XXXX. A {$10.00} fee was assessed for this transaction but regretfully we were unable to refund it back to the account. 

The Merchant is XXXX XXXX Phone number : XXXX Description : Money/Transfer Merchant There's no grace period for cash advances. 

Interest charges begin to accrue on the date that the cash advance posts to your account and continues to accrue until the cash advance is paid in full. 
Today, I contacted XXXX & spoke with XXXX, ref # XXXX, who informed me that the company didnt charge a cash advance. I need to talk with my bank I called WellsFargo & spoke with XXXX, refused to give ref # or ID #

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
DataVerify was used by my mortgage lender to pull a Borrower Profile Report. 

DataVerify reported that I had a foreclosure on a past home of mine on XX/XX/15. I pulled the record in question from the XXXX XXXX XXXX NY clerk and the filing in question was a deed transfer. NOT a foreclosure. 

DataVerify NEVER looked at the document to see what it was and inaccurately reported the information.

Company response to consumer: Closed with explanation