vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, XXXX and BRCLYSBANKDE has failed to respond back to me about the Inaccurate information that is being reported by them. 

XXXX  never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. 

I have reached out to BRCLYSBANKDE and XXXX and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my XXXX  credit report, and also have them to update my month-to-month revolving accounts. 

Thank you for your time and help.

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase. I paid off my account waited a week to make sure nothing was wrong called up to close my account making sure there were no interest they said there wasn't so I closed my account and they mailed me a check of the over I had in there then they decided I owe money with no notification and forgot to tell me when I called them to explain the XXXX up they had no answer and I asked how is this my problem they didn't have a answer and never bothered to call me back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
SANTANDER CONSUMER USA XXXX Current Payment Status : In Collections/ChargeOff My car was totaled by a drunk driver while parked. My insurance company paid the full value of the car and what was left over around XXXX $ XXXX XXXX was from a extended warranty that I could not get a refund for. I eventually settled and paid, but Santander is reporting the account status incorrectly. 

Please see the reference article where Santander has settled for such practices. 

XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: GA

Complaint narrative:
On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I bought out the lease on my vehicle on XX/XX/2020. A lease payment went out the same day, resulting in an overpayment of {$350.00}. I spoke with a rep at KIA finance in XXXX and was told the overpayment would be reimbursed by a certain date. After I pointed out that date had passed and I still hadn't received the payment, no added action was taken on behalf of KIA finance to refund the payment or even contact me to discuss the matter.

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 2020-11-30 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: LoanCare, LLC
State: CO

Complaint narrative:
Inaccurate reporting to credit bureaus. 

LoanCare , LLC acting as subservicer for XXXX, XXXX misallocated two sequential, on time mortgage payments. Subsequent to " full resolution '' LoanCare initiated derogatory Late Payment reporting to consumer credit bureaus. 

XX/XX/20 and XX/XX/20 : ACH mortgage loan payments were initiated by my bank and accepted by LoanCare. 

XX/XX/20 : First Notice of delinquent payment via USPS, physically received, letter dated XX/XX/20. 

XX/XX/20 : Phone conversation with XXXX XXXX and LoanCare representative XXXX XXXX # XXXX XXXX. XXXX reports no record of payment reference above two payments. 

XX/XX/20 : Requested and received " Proof of Electronic Payment '' from initiating financial institution corroborating above referenced payments and dates ( each showing Remit Date one day prior ). 

XX/XX/20 : Phone conversations involving XXXX XXXX, XXXX representative XXXX XXXX XXXX and LoanCare LoanCare representative XXXX XXXX # XXXX XXXX. XXXX acknowledged payments were received by LoanCare and applied to incorrect, unrelated account. Late fee waived, matter seemingly resolved. Payment received date still inaccurately reported as XX/XX/20 XX/XX/20 : Notification from Credit monitoring service : " It looks like you have an account with a past-due balance of {$220000.00} with LOANCARE. '' XX/XX/20 : Phone call to LoanCare Customer service XXXX XXXX and XXXX XXXX to request credit error be corrected, advised to complete online form. 

XX/XX/20 : Credit Reporting Dispute submitted and receipt of same emailed to consumer XXXX ticket # XXXX XXXX. 

No correction to credit report or contact received from LoanCare to date.

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 2020-11-30 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: FL

Complaint narrative:
Hello, TranUnion and XXXX has failed to respond back to me about the Inaccurate information that is being reported by them. 

TransUnion never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. 

I have reached out to XXXX  and Transunion and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my TransUnion credit report, and also have them to update my month-to-month revolving accounts. 

Thank you for your time and help.

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 2020-11-30 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/2015, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ZARVAD III S.A.
State: IL

Complaint narrative:
I just received a call from the XXXX county because a attorney purchased a debt. From MyPayDay Loan, what I was told a thrift party purchased my debit an I didnt respond now a attorney filed charges through court, for XXXX these people are the case number is XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
the year XXXX My husband and I financed a car for a relative and later found out the car was repossessed. After a legal fight and was found liable for the car AFTER we were told at the dealership we wouldn't be we decided to pay on the car. It was already on our credit reporting negative before we could do anything about it. XX/XX/XXXX we found out that the company would settle the debt for XXXX and was told it would not be on on credit if we paid that amount. They referred my husband and I told THEIR collection company to collect payment. That company assured us that it will be deleted once the account is settled in full. We then paid the account settled out in full and received a letter from the third party collection agency confirming deletion of this account from my husband and I credit. 15 months later 17 disputes via online 4 via us first class mail and several phone calls and it is still reporting When i spoke with them they said its nothing the can do about what their third party company said. This is deceitful practice and to this day it is still reporting negative charge off. My integrity and credit worthiness has been jeopardized because of this deceptive practice to accept money for a balance owed on an 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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Credit card stolen. Disputed unauthorized charges with credit card company. Credit card company requesting for medical records as proof. I informed credit card company that I did not feel comfortable providing personal confidential medical information. Credit card company then re-billed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Global Lending Services LLC
State: SC

Complaint narrative:
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, GLOBAL LENDING SERVICES, INC. add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I am an XXXX American woman who has had a mortgage with Caliber Home Loans for a little over four years with no late payments nor missed payments -- an excellent paying customer. Presently, I have a credit score of XXXX with only a car payment and my mortgage and a few credit cards that will be paid in full with the proceeds from the sale of my house. I uploaded a copy of my XXXX statement stating that my IBR student loans has a XXXX ( XXXX ) payment and is in forbearance due to re-enrollment in school after medical leave. I was pre-approved back in XX/XX/XXXX and was told I could go up to {$210000.00} for a property I had planned to place a bid. That never materialized, and I found another one at {$230000.00} and called to see if that would work under the preapproval even though it was already set. When I called back and spoke with the loan consultant, he stated that my auto loan being paid in full was configured into the preapproval. That was never conveyed to me in XX/XX/XXXX - new information. 

So I emailed the branch manager about this, and he emailed me that because my student loans were in forbearance, they would have to use the 1 % rule. That is not correct. All my student loans are IBR and are in forbearance due to the Cares Act and the fact that I re-enrolled in school to complete my XXXX  dissertation and receive my diploma. Importantly, IBR student loans do not fall under the 1 % DTI rule. Thus, my home loan application is not being fairly evaluated even though I am an excellent paying customer for four years with Caliber Home Loans and my income has increased since I last applied back in XXXX for the present home loan I am carrying with XXXX, and my credit score has increased from XXXX to XXXX. The first time I spoke with the Caliber Home Loan consultant back in XXXX, he assumed I had bad credit and told me to call back at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: FL

Complaint narrative:
Hello, I have reached out to Experian and the company named XXXX/XXXX  directly about the unauthorized credit inquiry that is showing by XXXX/XXXX  but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make Experian and XXXX/XXXX  be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate XXXX/XXXX  with the inquiry date on XX/XX/2020 and have Experian delete the unauthorized inquiry off of my report. Please?

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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of XXXX Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.

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 2020-11-30 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: GA

Complaint narrative:
On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of XXXX Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.

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 2020-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Received Hard Inquiry all 3 credit reporting agencies on XX/XX/2020 from Capital One/Cabellas. Was given a phone number of XXXX, but is disconnected. I did not apply for any type of credit in the last year and this may be someone trying to steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have a checking and savings account with Bank of America. I started this account in XXXX and as per the agreement I was supposed to transfer XXXX dollars to my savings account to avoid any maintenance fee, however, in XXXX it looks like they changed the policy without informing me. and now I am charged with a monthly maintenance fee of XXXX dollars dating back from XXXX. I have the document that says I can avoid the monthly maintenance fee if I make a monthly automatic transfer of {$25.00} or more from the checking account to the savings 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 monetary relief
Consumer complaint received 2020-11-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I have reached out to XXXX and the company named CBNA/THD directly about the unauthorized credit inquiry that is showing by CBNA/THD but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make XXXX and CBNA/THD be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate CBNA/THD with the inquiry date on XX/XX/2020 and have XXXX delete the unauthorized inquiry off of my report. Please?

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 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 at approx XXXX EST, I received a call from a man who claimed he was working with a XXXX XXXX XXXX to help lower my credit rate. When I declined, he then threatened to close out the credit cards I have with Capital One. When I asked how he is authorized to do that he read off my social security number. When I repeated again that I am not authorizing him to close my accounts, he got hostile and I asked to speak to his manager. At this time he hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: FL

Complaint narrative:
I requested validation of debt, but : 1. Never received validation or reply from them 2. Name on their letter doesn't match my name 3. They reported to credit bureaus without validation of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: MO

Complaint narrative:
On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, Experian and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my 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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is for a Select Portfolio Services ( SPS ) XXXX conventional second mortgage with original amount $ XXXX, and maturation date XX/XX/XXXX. I owe {$3500.00}. The loan has been sold twice. 

I became unemployed in XXXX due to COVID and am struggling financially. I applied for a COVID related mortgage forbearance or modification XX/XX/XXXX. 

SPS has not addressed my concerns adequately. Communication is non-existent, and they keep asking for more documentation. I have provided everything they have requested although my first mortgage servicer gave me a three month reprieve with no documentation at all. 

I am back to work at a much lower rate of pay XX/XX/XXXX. I can make payments but can not pay the balance of {$3500.00} by XX/XX/XXXX. SPS is not addressing my request for COVID related loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation