vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I made all of my payments to Credit Acceptance within the 30 days that was required before reporting negatively to credit reporting agencies. The company has only reported my last payment as late, which again was not 30 days late. The payment is due on the XXXX, I made the payment on the XX/XX/XXXX. I then learned in making the last payment that late fees magically appeared. This was then going to add a payment, that was not expected. The vehicle has been paid in full since XX/XX/XXXX, then an added payment of {$340.00} in late fees. This has negatively effected my credit I have worked so hard to fix since my divorce in XX/XX/XXXX, and impacted my ability to purchase a new home. I have contacted Credit Acceptance and disputed their information they are reporting. They have refused to remove the information, therefore I am looking to take the next steps.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and original creditor XXXX XXXX XXXX XXXX  appears on my Transunion credit report without notifying me 5 business prior to being reinserted. This is a violation of FCRA rules section 1681.

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 2020-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I lost my only brother to a hit and run whom my mother depended solely on for income so in desperation I sought financial help online after being turned away by my bank, I found Loan Me located out of XXXX Ca the process was so easy even for someone with bad credit like myself but I borrowed {$2600.00} in XX/XX/XXXX first pymt was {$500.00} then the following 8 of {$380.00} or more then COVID-19 and XXXX XX/XX/XXXX happened I feel behind again came across lump some thought it smart free up monthly income so I attempted to pay off Loan Me they wanted {$3200.00} from me which I did not have I can not settle with them here we are theyve collected every month on time with all that interest and late fees and when I reached out in XX/XX/XXXX I told I could pay that due to covid19 trickle effects on my entire household income to help resolve this debt the refused Iwork hard to pay off ALL my debt and my credit scores wont reflect this if they report it as bad debt to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: GA

Complaint narrative:
I have disputed a fraudulent hard inquiry now twice in the last few months after noticing it on my Equifax report. The first time I was never notified of result. This second time I received a letter from Equifax that they are continuing to investigate and could not get in contact with the company making the inquiry. The company making the inquiry on XX/XX/2020 XXXX XXXX, when I good them, they are a scam company. 

Two requests to dispute the inquiry, and several months later, no action is taken to remove this inquiry that the Equifax originally says on my account should have been gone from report after 3 months - it's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I made ( 1 ) {$100.00} payment on my Bank of America credit card from my XXXX XXXX checking account dated XX/XX/XXXX. Because I could not make multiple payments on the same day, I scheduled ( 1 ) {$1500.00} payment for XX/XX/XXXX from my XXXX XXXX account. On XX/XX/XXXX, the {$100.00} payment posted, and TWO {$1500.00} payments posted, overdrawing my XXXX XXXX   account. I called B of A on XX/XX/XXXX to complain about this double payment not authorized. They told me that the first needed to be sure the payment was not returned as it was in pending. XXXX XXXX  did post that second payment, so I called B of A on XX/XX/XXXX and they said it would be 2-5 business days to reverse the payment. Today is XX/XX/XXXX, and I called B of A this morning to inquire about the reversal - I was told this morning it is still processing, and could take another 2-5 days, or up to 10 business days before that reversal could happen. Today was the first time I was told 10 days, and this was B of A 's error. I spoke first to XXXX, then to her supervisor XXXX, and asked to speak to her manager, XXXX. XXXX could not take calls, but I was assured she would call me back in ONE minute. It is now half an hour - I don't think there is any intention to call me back, that I just need to deal with their error. In the meantime, my account has been overdrawn all week, I am racking up OD fees, and can't spend any money out of the account because there isn't any - B of A has it. Also, my B of A account is current, and there are no issues with it.

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 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting inquiries on my account that I do not recognize. Including ; 1 ) XXXX XXXX- inquiry date XX/XX/2020, inquiry is being reported inaccurately, no permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681. 

2 ) XXXX  - Inquiry date XX/XX/2020. Inquiry is being reported inaccurately. No permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted them to remove my security freeze on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
A new lease was established with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. The sales associate took credit information, wrote up the agreement, and I paid the first months payment. It was assumed at this point credit was run and approved at the amount equal to the first months payment. Final the transaction is passed along to the business manager for final signing and paperwork. The business manager informs we credit came back at tier two, result in a {$13.00} per month additional cost as a result of this credit. No info was provided by said associate nor further explanation by said business manager regarding tiers. Since first month was paid and increase was reasonable, transaction proceeded. All paperwork was signed and i was provided a folder of documentation that seemed sufficiently thick. In a rush to leave, I was not able to look completely through the paperwork. Upon taking more time later to review, a copy of the credit report upon which this credit decision was made, was not provided. Immediate contact was made to the dealership on XX/XX/2020 via phone and email to the sales associate and I believe sales director. Multiple calls went un-responded, as well as many emails. The sales level and management at this dealership are extremely difficult to deal with and were unwilling to make arrangements to provide this information, as legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
My mortgage company is delaying the repairs on my house after the hurricane Michael by keep making errors on found release. 

They ignored the invoices submitted by the owner. Sent a check of $ XXXX to the borrower and the window contractor by accident. The error was a knowledges in XX/XX/XXXX, yet not fixed. 

The loss department deposit the founds in a different escrow account which delays the found release for repairs. 

No supervision called me back to solve this matter. I spend 30- 50 minutes on the phone to get a run around why I can not have my money released.

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 2020-08-07 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: NY

Complaint narrative:
These knuckle heads are playing a hard ball by alleging that someone is helping me with the issue. XXXX fixed the issue as they did their job of removing the fraudulent accounts. Experian totally ignored my request and the laws and kept it moving. Please. The amounts owing are not mine for XXXX and 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 2020-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
I grt a call from a person named XXXX who works at Harley Davidson Financial. He calls me almost 5 times a week and I have proof on my phone bill that shows and states this. I have asked him numerous times when he calls to stop calling me numerous times and he still continues to call me on my personal cell phone number that is listed. This is unacceptable and I will not tolerate this abuse. I have reported him to Harley Davidson customer service and they have not done anything about this. If this continues to happen this will leave me no option but to file with an attorney in my local town and sue Harley Davidson and this guy XXXX for unfair practice and harassing and calling when I have stated numerous times to stop calling me I dont know who you are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted them to remove my security freeze on 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 non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted them to remove my security freeze on 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 non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed my credit card account with Capital One in XXXX. I was told that balance would be paid automatically within the next cycle. Balance was XXXX and I did not think about it till XXXX, when I found out that my credit score dropped by 140 (! ) points. I found out that they never processed payment for XXXX dollars and did not inform me about it so I can pay in time. It caused incredible damage as I am working on mortgage refinancing and my credit score was >800

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to falling and XXXX XXXX XXXX one month and the second month I got stung by a stingray. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account ( XXXX ) has been settled and closed at {$540.00} on XXXX. See attached. 

Equifax still shows it as a negative account with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
On XX/XX/2020 opened account in response to promotional offer that provided {$300.00} bonus if completing the following : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I completed the 10 debit card transactions on XX/XX/2020 and opened the savings account and enrolled in estatements and bonus was said to be paid within 120 days which would have been by XX/XX/2020. As of today, XX/XX/2020 no bonus has posted to the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Credit card advised the fraudulent charge would be removed. It failed to do so and my FiCO score has gone down XXXX points. 
The company is Barclays, XXXX XXXX Master Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Message sent to Barclay Business Card Services : I recently made an error on entering my correct checking account number My XXXX online billing # XXXX The check from my bank was returned and I was charged a {$39.00} fee! It is more than the charge itself! 
You phone agent was very mechanical and non understanding. 
I do not have free money to give away especially now with the COVID-19 situation. 
I do not need a company such as Barclay Business and I will cancel my card! 
Also I will file a report with the consumer Protection Bureau! 
XXXX 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 monetary relief
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just Tuesday XX/XX/XXXX and was told that it was XXXX. On XX/XX/XXXX, I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX voice and did not give me the option for a text. Well, if you start speaking to a XXXX XXXX number, and do not follow the prompts, you will miss the opportunity to speak with the person whom you are trying to reach. They do that to make you give them your REAL cell phone number -- because they " sell '' these numbers to other financial agencies and they wanted my REAL number for that  purpose -- they do not care about me as a consumer. I finally outed them on XXXX and I got someone to call me. Through their website, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them -- for some of the same reasons. I tried to get an " annual report '' and they put some type of discrepancy on my report as if they are " unsure '' of my zip code. So when I do apply for credit or try to get my lawful annual report, they don't immediately give it to me. 

These people are not even a US based company and should not have access to so much consumer personal information. They are retaliating against me! They also told me if I wanted to add my yearly income that might help my FICO -- that just helps them sell more of my information. Your score is your score regardless! I think they want me to PAY for Experian " boost ''. Credit bureaus should not be money-making organizations, because their goal is not to actually help the consumer -- they work against the consumer. 

I also see other things such as multiple hard inquiries that should not be there and an " account '' from a company that was discharged when I filed bank on my report that should not be there. They are clearly retaliating! I have worked hard to repair my credit and one of the bureaus is working against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to XXXX and XXXX XXXX XXXX one month and the second month I got XXXX by a XXXX. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following items are incorrectly reporting on my credit file : XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : 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