vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Betterment LLC
State: CA

Complaint narrative:
I applied for a Betterment Checking account on XX/XX/2020. They asked me to upload pictures of ID and Social Security card, which I did, and continued the application on XX/XX/2020. They said " We're unable to open a Checking account for you '', " we were unable to verify the information you gave us '', e.g., address, date of birth, " Unable to match identity to existing records ''. 

The information I provided was correct, which implies that the information they are comparing to is incorrect. 

I asked them to tell me the name and contact information of the consumer reporting company that provided the information used in the denial, but they refused to tell me. I believe this is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
A {$50.00} XXXX XXXX XXXX was given to my XXXX  as a birthday present and when we called the 888 number to activate it we were told the card had no balance on it because the store that sold it had not properly activated the card. Which meant as the recipient of the gift card we had to go back to whomever gave the card to my XXXX  and ask them for proof of purchase, then go to the store where they bought it and request either a refund or that they try to activate it again ... all of which were impossible because 1. the gift card company would not tell us where the card had been purchased, and 2. we did not know which of the 15 XXXX  at the birthday party had given him the card. 

The company name that runs the XXXX XXXX program is Blackhawk Network California XXXX Inc., and I spoke with XXXX at Blackhawk Giftcard Support Services this morning and she said there was nothing she could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: VA

Complaint narrative:
Date XX/XX/2020 XXXX XXXX XXXX reported on my experian credit report. I reached out to exeperian by phone immediately to dispute to advise this must be fraud because 1 I never been to the hospital called XXXX XXXX and never recieved a bill. While in dispute with them I contacted the company XXXX  as well as the original creditor not only they couldn't find me I kpt getting transfer to numerous departments which was quite frustrating. Experian advise the debt was accurate but how can this be I sent debt validation letter to XXXX and never recieved an response but the account is still reporting I also sent method of verifcation to Experian asking how did they verfiy they debt because I tried to get info from the orginall creditor and collection agency and no one couldnt find me. I literally close on my house in a few days and i tried the correct way to get this cleared up i contacted the creditor the collection agency with no avial THIS IS FRAUD! I would unverified fraud account removed from my credit file

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a payment to Kohls Department Store through their website. This would have paid off my balance in full. I received a confirmation email stating the funds would be  processed on XX/XX/XXXX. About XX/XX/XXXX, I received through the U.S. mail a statement that my account was paid in full, and I owed XXXX funds. Soon after that, I started to receive phone calls morning, noon, and night, and on weekends from Kohls telling me that I still owed money on the account. I informed them that I received TWO pieces of confirmation that the account was paid in full, and that as by law, those were legally binding acknowledgments. They continued to call me and say that neither confirmation was valid proof of payment, even though they had come from their payment  center. As of today, Monday, XX/XX/XXXX, I have contacted Kohls again, requesting that they stop the excessive amount of phone calls, and that they finally get their accounting corrected to reflect that I have a XXXX  balance. After they agreed to stop the calls, I received another one. Then they refused to update my account, and insisted that I had NOT paid them and I still owed them money. After going back and forth on how statements, both electronic and paper are proof of payment, they denied this, and said those statements were not proof of anything. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
In XXXX a voicemail was left on my mothers phone from this company regarding collection efforts on a red light enforcement citation ( {$50.00} ). This has not been my contact information for several years. At the time the voicemail was left I contacted the company and asked that they contact my direct number ( cell ) and remove her phone number. They did not and continued calling a nonparty to this citation even when having the correct information. I explained my mother was XXXX and recently laid off due to COVID-19.  However, on XX/XX/XXXX they contacted her again. I have yet to receive a voicemail or collection attempt on my correct contact information. Further, this company refuses to settle and also told me they would not accept payment by phone even though their notification letter states they do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: VA

Complaint narrative:
XXXX XXXX XXXX  of Maryland will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile

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 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Garcadia Financial LLC
State: UT

Complaint narrative:
On XX/XX/2020 I refinanced my vehicle loan with Foursight Capital based in XXXX XXXX XXXX, Utah through my credit union. The credit union processed the refinance in the amount of {$20000.00} which was the payoff amount that was valid through the XXXX of XXXX as per Foursight Capital 's website. I called Foursight on XX/XX/2020 to inquire why they had not yet applied the check to my account. The customer service representative said that they received the check on XX/XX/2020 but would not process the check because there was a discrepancy due to the seven days interest between the date of the payoff amount and the day the check was received. It has now been an additional four days. They did not let anyone at my bank or myself know that they had received the check and are now demanding I pay the additional four days of interest, even though the check was received on the XXXX. I am prepared to pay the seven-day difference, due to the check not being received until the XXXX, but feel it is completely unfair to be held responsible for any amount after the XXXX since they received the check and have not and refuse to credit my account so I can pay the difference. I have been logging in every day to see if the payment had been applied so I could finish paying it off, but they refuse to credit my account for the amount of the check the received from my credit union, thus charging an additional four days of interest when they have had the check in their possession without crediting it to my account or letting anyone at the credit union know or let me know they've received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I am writing this letter to file a complaint with being forced to refinance my VA loan through you due to an IRRL Seasoning Violation by Caliber Home Loans. I was contacted by the following individual today XX/XX/20 via phone. Please keep in mind, I had not received anything in writing prior to this call that spelled out the issue and he did not seem overjoyed to have to explain Caliber Home Loans XXXX up, and when I asked for this to be sent to me in writing. 

XXXX XXXX XXXX XXXX XXXX ) Loan Consultant Caliber Home Loans, Inc. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX As I questioned him on the call about this, you could tell by his tone he thought I should be happy with this and did not like the questioning. However, I was not pleased with this at all. Not only did he tell me I would have to have a hard hit put on my credit report ( The loan before for the IRRL did not require this ), that I would also have to extend my loan back to 15 years again ( adding 8 months back to my loan ). And above this, I will need to send in all the documentation and paperwork for taking out a new loan all over again, along with having to meet with someone to sign everything in 45-60 days ( who wants to do this with the Coronavirus ). So, you can see my frustration. He made me feel like I was being taken today for someone to get a commission of a new loan. I really hope this is not been the case. 

Needless to say, this has left a bad test in my mouth for Caliber Home Loans. After the call, I got out online and read about this topic, so I could be well versed on. I know that all fees for this are to be absorbed by the lender and a cure at no cost to the borrower ( he told me on the call today he would have to check with management to see if Caliber was willing to absorb the cost ). I also have not found anywhere that states a hard inquire has to be done at the borrowers expense and this should be removed from my credit reporting. 

For the life of me, I do not know how I was able to refinance the IRRL loan with as many hands in the pot and no one catching this. Especially with the requirements for the seasoning period of either 210 days from the date of the first payment or after the sixth monthly payment ( whichevers longer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
We were in negotiations with XXXX XXXX  in XX/XX/2020 and advised the current mortgage holder Specialized Loan Services about a possible delay in closing past the end date of the mortgage which will end in XXXX 2020. They advised to continue sending payments as usual until closing on the new loan. This was from multiple service desks employees. We documented everything. Loan Services in XXXX returned our payment and placed a delinquency on our credit score which ended our ability to refinance with XXXX XXXX  or any other bank. 
We have spoken to many contacts with Loan Services but have had no resolution as of yet. We asked for a XXXX to extend the loan, they said they can not due since the mortgage end date has passed. Loan Services also can not refinance in Massachusetts since they have no license to so in our state. 
XXXX will refinance if our credit score is corrected. We obviously have never been late on this mortgage and are asking for a removal of the delinquency from our Credit on all three agency 's so we can refinance our home. We received a denial letter just today with only one note : Behind or delinquent history. Losing our home will be devastating and would place an Adult with XXXX XXXX  and a XXXX  service member out of their home during COVID along with XXXX other adults. 
This is the second time we filed a complaint about Specialized Loan Services.

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 2020-09-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile

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 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have requested the following - I need the list and method of payments made on account. Specifically, the unauthorized payments that were insufficient allowing the credit limit to be exceeded. 

Thieves stole my card, charged on the card, and then made unauthorized payments that allowed the thieves to then continue charging on the card exceeding the credit limit. 
Please send name of bank or name of financial institute, payment account number, person on account, date of payment, time of payment, name of person making payment, IP address or phone number of person making payment, etc. 

The payments were unauthorized which allowed the credit limit to be exceeded which created a spiraling affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a loan with Ally financial for my car. I had the temp withhold for my loan for 3 months when I asked back in XXXX my payoff it was {$5000.00} and now less than 6 months later it is {$5500.00} which my interest rate is only 8.99 % so it doea not make sense that this amount is correct. 

I also tried making payment online automatically and Ally Bank temporarily froze my ability to pay from my bank account and now my account is past due with late fees.

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 2020-09-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Try to access MyEquifax through the following web site. https : //www.equifax.com/personal/ I am able to access lock and alert ( https : //lockandalert.equifax.com/member-center/portal/ ) but can not access my equifax. I am asked to to contact the Customer Care team at XXXX. But can not get a representative. 
I need to be able to access My Equifax so I can access the following information as noted at https : //www.equifax.com/personal/ Sign in to place or manage your security freeze, fraud or XXXX XXXX alert, and disputes. You can also access your Equifax Core CreditTM or myEquifaxTM paid product

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score.  It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, TransUnion and XXXX  ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, TransUnion or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, XXXX  and Experian ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, XXXX or Experian. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX 2020 I had an IRA/CD mature with BMO/Harris Bank   located at XXXX XXXX XXXX, XXXX , Illnois XXXX in the amount of {$22000.00}. It had a 10 day grace period before it was rolled over. The branch managers name is XXXX. 

On XX/XX/2020 I went to close the account and transfer the money to an IRA/CD account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX supplied BMO/Harris with the required IRA/HSA transfer request on XX/XX/2020. 

I was told by XXXX that they could not present me with a check that day and that their IRA Dept. would have to be the ones who would mail a check to XXXX XXXX XXXX XXXX XXXX. 

As of XXXX, 32 days since I've closed the account the money has not yet been transferred. 

After many calls to XXXX at BMO/Harris, who I would like to add has been as helpful as she could be but seems stuck in the middle of this, she referred me to her supervisor, a XXXX XXXX. I have sent three E-mails requesting a call from XXXX XXXX and none have been returned or replied to. I also filled out a complaint form on BMO/Harris website but have not heard anything yet from them. 

I was also informed by XXXX XXXX would not be paid any interest on the money they haven't released to 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