vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A hard credit inquiry was made through Experian by the US Small Business Administration on XX/XX/2020. I contacted the agency on or about XX/XX/2020 after several attempts. They assured me that no more inquiries would be allowed and this incident would be removed from my credit report. I froze my credit reports. I have yet to see the item removed and it lowered my credit score by at least 12 points which hasn't been corrected either.

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 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PayTomorrow, LLC
State: OR

Complaint narrative:
I used this company to buy new wheels and tires for my truck. On XX/XX/XXXX I agreed with https : //www.paytomorrow.com/ for total amount of {$1600.00} for over 24 months contract with 12 % interest rate. After paying first {$59.00} processing fee. First 12 months is {$130.00} and after next 12 months my payments will be {$99.00}. I signed my contract. I set up as automatic payments so on XX/XX/XXXX my first payment was taken out from my checking account. After paying 5 months straight payments I noticed on my monthly statement that my amount that I am paying off dramatically increased for the total of {$2700.00}. I contacted the company they told me that I have to first pay off lease amount for 12 months and the my next 12month I will be paying my original loan off. I did not agree with their decision its not fair and its a lie to the consumer face. Basically you paying off two loans. When I question the company they told me you signed everything your self and their is nothing they can do. As I remember there was no lease mentioned anywhere in my contract or even by there representative when I called to clarify loan terms with them before signing their loan agreement paperwork. So I am asking for your help to resolve this issue and bring justice to the hard working familys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I know the company will not doing anything about my complaint and they won't budge, much like with the other disputes I have filed a complaint about, and where I actually had proof of my claim ... Just filing the complaint so that I can show the credit bureaus and whatever debt collection agency the company sends after me that I have a complaint on file ... 

Company is denied my dispute against a charge from XXXX for {$190.00} from XX/XX/20 stating that I need to show proof of my return. However I told them back when I first filed the dispute that the merchant refused the return ... How can I show proof of a return when there was no return?? IDIOTS ... 

They also rebilled my account for another charge I had disputed against the same merchant from XX/XX/XXXX for {$100.00}, for the same type of incident ... Please know that due to the pandemic, most stores were very and in some cases are still, strict regarding certain things being returned.

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 2020-09-17 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: IL

Complaint narrative:
My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to XXXX  claiming that 8 late payments were just verified. Id like the method of verification.

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 2020-09-17 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: IL

Complaint narrative:
My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to Experian claiming that 8 late payments were just verified. Id like the method of verification.

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 2020-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Yes the Bank of America made a mistake on my bill on XX/XX/2019 they called it a accounting error. This is only after my complaint # XXXX was resolved. My problem is from XXXX through present I have been charged interest on the ERRORS AMOUNT! This has been a nightmare that reck my credit score only because of the bank not caring for people. I really hope they find how to deal with people that we don't have to put in complaints with you. There were countless times I tried to resolve this and here we are. Again the bill at BANK OF AMERICA AGAIST MY NAME IS FROM THIER ACCOUNT ERROR & INTREST THAT CAME FROM THAT ERROR. So if anything I hope they get the account corrected and resolve any damaged done from thier mistake!!!

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Signed for refi XXXX. Changed mind and sent " Right to Cancel '' notice to SunTrust XXXX. Must receive " Release '' to obtain XXXX from another source. It is now XXXX, ( 2 months and 10 days ) and still have not received the Release. 

XXXX Called Suntrust talked to XXXX. Was told that Mr. XXXX XXXX is working on the official release statement and would call me within 24 hours. 

XXXX. XXXX sent an " Account Activity Statement ''. Was told that Mr. XXXX XXXX would send the official release statement within 24 hours. 

XXXX. Still no Release Statement. Called Suntrust XXXX PM. Was told Mr. XXXX XXXX was out to lunch and would return in half an hour. XXXX XXXX  called Suntrust, person anwsering phone couldn't find Mr. XXXX. She emailed him to call me by end of business ( XXXX XXXX  ) or on XXXX. 

XXXX. Called Suntrust at XXXX XXXX since I did not receive a call from Mr. XXXX. 
I kept getting disconnected and returned to the 2 minute 20 second message you get when you call before you talk to someone. I asked to talk to Mr. XXXX. They can not get Mr. XXXX on the phone because he doesn't have a phone at his desk. But they would have him call me. A phone call that has not and never will take place. 

If they can send me an " Account Activity Statement '' showing that I have a XXXX balance why can't they issue the official " Release '' so I can get on with my refinance? Until I get the release I can not proceed with the refinance with another company. I feel they are deliberately holding this up just to give me a hard time because I cancelled their loan.

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 2020-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Starting XX/XX/XXXX I applied for the covid-19 relief program with my mortgage provider LoanCare. It would make my payments lower and ease the burden during this time. While going through the process I did everything correctly, filled out all the paper work and gave them what they needed. I was told to wait 30 days before making my next payment because it would be the new amount and if I made that new amount payment each time in that program that it would be my new mortgage rate. I noticed that in XXXX it was showing I was deliquent in my payments, which I was not and I could not get a hold of any one to speak with to explain for a few weeks. I then spoke to a rep who said that everythign was fine and that happens because of the program but they are getting my payments. I started emailing Loss Mitigation at that time as well starting XX/XX/XXXX and I STILL HAVE NO HEARD BACK FROM THEM. I have called many times and gotten many different answers and information, I have emailed many times with no response. Their ticket system says someone will get in touch with me but they do not, I had to keep calling. This past week I got a hold of a representative who told me I had missed 3 payments, XXXX, XXXX and XXXX of XXXX. I was furious ... But I did what they told me to do and I sent them my bank statements that show all my payments were made. When I called back the next day to get a letter stating this mistake, for them to take this off my credit score and fix this I was then told by a manager on XX/XX/XXXX that I was given the wrong information and that I actually missed 2 payments one for XXXX and one for XXXX. I went back to my bank statements and emailed them again showing I have made my payments and that XXXX was when the covid-19 program was being processed so no payment was due. I was told to contact Loss Mitigation again and I explained no one has gotten back to me from them since XXXX. I made each payment on time and at the end of the payments in XXXX my mortgage went up by over {$400.00}. I am not in a situation where this is effecting my life and opportunities for me because it shows I missed payments which I did not and my credit score. I have never experienced this in my life! and I feel so helpless and then they raise my mortgage on top of it! I need 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 2020-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX, I took of a auto loan from Regional Acceptance. In XXXX I feel behind on payments. Regional Acceptance employed two men to repossess my vehicle. On Monday XX/XX/XXXX about XXXX XXXX   while waiting to go into work the two men blocked my car in when I was parked on the street and demanded I exit the vehicle. I was unaware of who these people were. I locked my doors. They men stated they were there to take the vehicle. At that time they said they would call the police and who would make me relinquish the vehicle. The man who called police told the dispatcher, " Its a 30 year XXXX male. '' Within 5 minutes about 6 patrol cars showed up. The Police surrounded my vehicle with their hands on their weapons. They instructed me that i must exit and turn over the vehicle or I would be forcibly removed and arrested. I was able to record the interaction on my cell phone. In fear for my life I complied and was told to leave the premises. The men then called for a tow truck and had it towed away. I contacted Regional Acceptance the next day told them what happened. Ive contacted them several times trying to get some resolve and I was told I would be called back or my complaint would be placed in a queue. The balance on the loan when reimbursed was {$27000.00}.

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
NewRez mortgage processor as not been reporting my payments to all 3 credit agencies every month. The company waits three months to report one on time payment leaving the other past months I have paid marked as unavailable data.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: IN

Complaint narrative:
I opened a bank account with netspendallaccess/ metabank online. I call the number on the back of the card to activate the card number and card account with the secure flashpay and routing number. They always say the account is open and ready to go but it doesn't seem that way. I am having issues with them a netspend corporation phone number is XXXX. My account number is XXXX routing number XXXX and my secure flashpay number is XXXX. The name on the account is XXXX XXXX XXXX XXXX, I have two netspend prepaid visa cards connected ( 1 ) ending in XXXX ( 2 ) ending in XXXX. I am XXXX yrs old born XX/XX/1983. Last four of my social is XXXX. I reside at XXXX XXXX XXXX, XXXX XXXX Indiana XXXX. I can be reach at XXXX. Thanks for your time and I hope we can settle 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 2020-09-17 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In mid-XXXX I filed three disputes with Citibank regarding three transactions totaling approximately XXXX XXXX The day before I was supposed to get a provisional credit attached to my account I was notified that the bank had decided to close my accounts. Since then they have told me next to nothing about what is going on, except to say that my accounts are blocked pending review and telling me that I would be unable to retrieve the funds from my account - that rightfully belong to me - until the dispute process was complete, some 30 to 60 days from then. It has since been well over 45 days and I am still getting stonewalled by Citibank. All I want to be able to do is to go into a branch and pick up my money. One of the disputes I have already been informed has been resolved in my favor while the other two are, I suppose, still pending. I wouldn't know because they refuse to tell me anything about them. I tried going into a branch and the banker there told me he couldnt help me because the accounts are blocked. I keep getting the run around from Citibank and all I want is the money that is rightfully mine.

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 2020-09-17 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-17 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-17 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: CITIBANK, N.A.
State: PR

Complaint narrative:
XX/XX/2019. I opened a membership card of Costco,  XXXX, P.R. I was attended by cuatro service supervisor XXXX. She provided an I requested orientation related to credit card which I was very clear that I would not qualify due I was work king on fixing my credit and eventually on this same month I was going to join with my mothers account to upgrade my credit points. Over my knowledge XXXX proceeded with the request I was not sure of the questions she was asking so I answered everything understanding it was for the membership. After waiting a few minutes XXXX mentioned I didnt qualify for the credit card and proceed with the picture for the membership. I explained that I was not willing to request a credit card due to my previous explanation. After membership was done. I proceeded to call CBNA ( the credit card company ) and explain opened a claim with XXXX. He mentioned this will be documented and should not be reported to credit bureau due to dishonest behavior of the employee he mentioned also will report directly to the XXXX store. Today I see this negative mark in my credit report. I also join with CBNA bank afterwards with no issues. I want the bad mark removed.

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 2020-09-17 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been a Discover Cardmember since XXXX. I used a convenience check in XX/XX/XXXX in the amount of {$20000.00} at 4.99 % APR for 18 months. 

I had a prior balance transfer from XXXX that was expiring in XX/XX/XXXX in the amount of {$4500.00}. 

I made an additional payment ( above the minimum payment ) in XX/XX/XXXX of {$4500.00} to bring that balance current and instead of closing out that balance, they applied it toward my recently transferred balance, thus placing my expiring balance transfer at an interest rate of 21.99 %. 

In normal circumstance, the practice of applying payments to the lowest APR balance first seems usurious. In this time of COVID, it is downright criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a collection account by XXXX. This company is reporting an account balance due of {$150.00} for XXXX  for XX/XX/2020. I have disputed that this date is not accurate and I have have no knowledge of this account. I do not owe XXXX  nor do I owe XXXX. I have no past due balance with XXXX. I have never received any notification in the mail from either company. I believe that this company XXXX is reporting fraudulent information with fraudulent dates which is negatively impacting my credit for their gain. I request that they be removed my credit reports.

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