vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX XXXX was a Total loss have a remaining balance of XXXX for my gap Insurance to pay my gap insurance needed my contract and payment history from my line holder which is Kia motor finance but my lien holder Kia Motors Finance dont have my contract no where on file .Then Kia motor finance submitted the wrong finance amount in there system that I have on My original dealership contract that I signed. I then told Kia motor finance how do you have no contract when you bill me statements every month with the right Monthly payment they never have no answers I call them everyday I talk to All the supervisor in there they tell me they All tell me they have to wait till booking department emails them back because the booking department is the one that gets the contract from the dealership and has to put it in the system so they can see it in there their system .with that its been A month and a half and there is still no contract and still no reason how they put in a wrong finance amount. Every time I call they just keep telling me we will email the booking department. And then Kia motor finance is still billing for that balance XXXX And also Billing me late fees due to their actions they dont have my contract that I can give to my gap insurance are any questions on how they have the wrong finance amounts on their behalf .so my gap insurance cant go on with the pay out till they respond and have the contract Kia Motors Finance is still telling me I still need to make the payments when there at fault for this Because of their incorrect actions they made. Now it affected my credit score real bad I ask Kia if they can put a hold on the payments till they get the contract from there booking department because there at fault for this they told me no they cant and steel charging me late fees even when they no they dont have a contract on file and wrong finance amount .I cant pursue on with the gap Insurance pay out until my Kia Motors Finance fixes their mistake they made one there end which I never get answers from them and I called them every day and they tell me the same thing over and over. My gap only gives up to 6 months its been since XXXX I been dealing with this .So basically my Contract I financed at the dealership doesnt match Kia Motors Finance XXXXount in their system and they dont have no contract in their system They basically messed up my credit score and my life Causing my credit score to drop majorly..I even took upon to write a letter to their legal department to their headquarters and to their customer complaint

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 2021-03-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I'm lodging a formal complaint against both Caine & Weiner and XXXX  XXXX, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by XXXX XXXX given as collection to Caine & Wiener. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi Prestige and I love my card. I travel frequently ( or used to travel before covid ) and my Citi Prestige is my trustworthy companion. Now, since I've had nothing but great service with Citi, I've been wanting to open a Citi Double Cash for the longest time. I remember when I opened my Citi Prestige I received a $ XXXX XXXX credit line, and I called to lower it to {$10000.00} since I didn't need that much. By the way, I've never been late on any payments, and my balance is zero. I checked my credit score provided by Citi from XXXX  and it is XXXX. I checked my XXXX XXXX from XXXX  today also and it is XXXX. I have a good paying job and always pay my bills on time. I applied in XXXX of XXXX for the Citi Double Cash and was denied. I didn't understand why, but thought maybe it was because I needed to expand my relationship with Citi. I applied again on XX/XX/XXXX and got denied. I called the number provided in the email, and a very nice gentleman explained me they just couldn't approve me, but offered no further information. Now, I'm not upset and I will continue my relationship with Citi because I trust them. However, it would be nice if somebody could look into it for me and realize I'm a good, loyal customer and see if I can either be reconsidered, or at the very least told what they're looking for in a customer who applies to a Citi Double Cash. This way I can set myself on a path to meet whatever requirements are needed.

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/21 I called the center of Bank of America to dispute a charge in the amount of {$24.00} from a purchase from poshmark on XX/XX/21 I had to dispute the charge because the package irrived damaged and I stop at the post office and I was told I could not claim the ins it had to be poshmark and the poshmark was not responding so I had no alternative to do it thru my bank all I wanted was a label to return the merchandise to get credit instead I was abused by my bank I spoke with a supervisor his name was XXXX in Arkansas he was rude nasty and I told him I would report him to the banking Commissioners office and ended the call. On XX/XX/21 I went to access my account I was notified that my account was in review to be closed I done business with bank of America for 15 years no overdrafts my account is in good standards I can't get founds of {$900.00} my name is XXXX 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 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.

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 2021-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient has recently charged me a late fee on my account. I submitted a payment for my XX/XX/XXXX on XX/XX/XXXX, however, the payment was declined by Navient as an incorrect routing number was submitted for this payment unbeknownst to me. Email confirmation I received should a valid payment. 

I recieved a late fee due to this and have contacted Navient regarding this. Navient has stated they would not reverse the fees due to the fact that recent late fee was reversed as a courtesy and they could not do this at this time. 

I explained that the late fee I was charged in XXXX was paid in my payment and there was no late fee to reverse charges on. 
Furthermore, I paid the late fee in XXXX without knowledge or notification of what the late fee was for. At that time my XXXX and XXXX statements both showed a late fee for the same amount that had been paid. 
I called Navient to find out 1. ) what was the late fee for and the time period it had transpired. 2. ) how long would these late fees be charged and I could not gather information on when or why this was occurring. I have a previous complaint regarding this matter.

I was told by the CS representative that when a late fee is charged to the account the customer needs to call Navient to have any future bills cleared on the statement or they will continue to show on future billing statements. I was informed that the late fees dated back to XXXX and XXXX. I was not informed of this that I can recollect and have not located information warranting this action taken on Navient 's behalf. 
I have sent Navient a reply email stating that I am formally disputing this new late fee and am awaiting a response. 

Navient 's billiing/financial practices are unethical, damaging to consumers and Navient needs to be held accountable for their lack of ethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This debit was paid 2 years ago and the account is reporting as a negative. It is affecting my credit score as they told me that this is would pay for deletion. I have try to resolve this matter only to be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have an account closed with creditor Acima credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called Acima to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
it has been over 30 days and the company has not responded to my request sent by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I called the company Zwicker & Associates that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for XXXX XXXX and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
In XXXX XXXX added a collection to my credit report and it was removed in XXXX due to fraud and it was off my account from then until XXXX. In XXXX, Enhanced Recovery Co. added it back to my credit report AND illegally re-aged the account stating it is a NEW collection with a " date opened '' as XX/XX/XXXX which even if this was mine, is WRONG. 

I disputed online with the credit bureaus and was told it was verified. It obviously wasn't. 

I called and requested to dispute again and was allowed to submit documents so I sent them a copy of an actual page from a XXXX credit report that shows this XXXX account with this same amount due. I also sent a FICO report that was pulled by a mortgage company in XX/XX/XXXX that shows this collection was NOT on my report at the time. 

They STILL came back and told me it was verified! It appeared they tried to change the date to XXXX on one of the reports but they still didn't even have the dates correct. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Corona put us both out of work we lost income due to corona have since started working again for less money. Forebearance has saved us but now were really far behind predatory lender kept telling us not to make payments theyll re modify the loan and add the difference to the end of the loan now they saying otherwise.Theyre adding late payments to my credit profile and adding late fees to the loan which has now gown up {$29000.00} in balance since the forebeance and coroan has started please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an account closed with creditor XXXX credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called XXXX to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report 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 explanation
Consumer complaint received 2021-03-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I own a Citibank issued Costco Visa card. On XX/XX/2021, my wife and I shopped for her outfits from XXXX. Being an international transaction, Citibank blocked the charge, deeming it to be fraudulent charge. 

After several futile attempts to re-charge it, we contacted the bank confirming our identity, authenticity, and legitimacy of the charge. We spoke to several representatives in their fraud department since about XXXX XXXX  CST to XXXX XXXX  CST. Each time they would put us on hold, verify the information and suggest us to try processing the charge with the assurance that they've removed the " block '' ; however, to no avail. 

One of the reps outright lied saying it is not " us '' it is XXXX company itself putting a hold on my account. The amount in question was little over a XXXX US dollars. 

In two or three instances, we were intentionally disconnected while being on extensive hold, and no one followed up, despite having our contact number available, and promising to call back. 

As recently as XX/XX/2021, similar incident happened, when the rep, who identified herself as XXXX, who could not resolve the same issue described above. When asked to speak to a supervisor, which she obliged with, however, the supervisor under the pretense of verifying the information, put me on hold for a few minutes and then disconnected the phone. Again, no follow up phone call, explanation of what transpired, or apology of any kind. 

And by the way, after the incidence of XX/XX/XXXX above, my credit card was frozen for even local charges until I called and spoke with a bank representative. 

Used XXXX  XXXX XXXX Visa card and after the fraud alert block was removed after confirming the authenticity of my charge, it was a breeze making the payment. And, oh yeah, the most important thing is, with 3 % international transaction fees, they were {$54.00} and {$32.00} cheaper for both my transactions than using Costcos Citibank issued card. So, buyer beware! I promise to NOT USE Costco 's Citibank card as a featured card that I used to trust so much. 

Anyway, I feel, Citibank has blatantly disrespected, mistreated, and I would go to an extent to say that they've grossly and intentionally discriminated against us. 

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 monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
The lender drafted two payments within same month from my account and will not refund the money. They claim they are still working on the return since XX/XX/2021. They continue to transfer me to others with no resolution in sight. They have confirmed the mistake but can not resolve the issues. I have called them 8 times over the last 10 weeks with nothing corrected. There is no available phone line to contact the accounting department. Customer service says they will take a message and return my call within 48 hours. They never call back and said I have wait forever the return call. Its been ten weeks with no correction.

Company response to consumer: Closed with explanation