vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score XXXX points and caused me to get denied for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I used Remitly, to transfer {$500.00}, from my checking account in USA, to MY saving account in XXXX XXXX, in XXXX XXXX, I contacted them several times, trying to get an update about what was happening, and all the times the answer was " corona virus '' please wait another 48 hours. Because I could not wait any longer, I sent the same amount, with a different company, and only took half hour to complete the transaction. so corona virus is not a valid excuse. 
then I called another 4 times asking the return of the money. the interesting part is that they withdraw the money from my account in less than 3 minute before even I finish the paperwork, and had passe more than 21 days without getting any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There is no Bankruptcy!!!! Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, NY. It was a lease for 36 months and maturity date of XX/XX/XXXX. The bank was NMAC ( Nissan Motor Acceptance Corp ). 

On XX/XX/XXXX, I received a mailing to detail the End of Lease process. It asked to provide intention, schedule inspection of the vehicle and return the Vehicle to XXXX XXXX Nissan. 

On XX/XX/XXXX, I made my 36th and final payment. 

On XX/XX/XXXX, I had my inspection dome by AIM and no charges were found to be liable by me. 

On XX/XX/XXXX, I called XXXX XXXX Nissan to schedule the return and they stated they will not take the car back if I don't get a new car from them. 

On XX/XX/XXXX, I called NMAC to ask to return the car to XXXX XXXX Nissan like the letter stated and they said someone will call me back. 

On XX/XX/XXXX, I called XXXX XXXX Nissan again and " XXXX '' who didn't provide a last name said that I can not return the car without getting a new car from them. He was the " big boss '' and was not going to take the car back. 

On XX/XX/XXXX, I called NMAC again and asked to supervisor. I was transferred to someone who gave me an option to extend lease. I declined as I made my final payment and fulfilled all obligations of my lease agreement. I want to return the car. He stated there is no leasing returns being accepted right now. I stated then what I should do with a car that I had paid off my lease and still paying insurance for. He put a request to Mgmt for someone to pick up car. This can take another 5-7 days which will take me to the maturity date and I will be on the hook for another month of payment plus tax for a car I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, and experian preventing me for getting anything approved they saying my social is not who I am I've sent my license and social security card certified mail so I know they have but don't want to remove statement

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 2020-05-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Goal : Receive a balance refund from CITI COSTCO ANYWHERE VISA CARD for my negative balance of $ XXXX for which they are refusing to refund me. 

Background : On XXXX XXXX 2020 I booked a trip with XXXX for an - All-Inclusive stay in XXXX XXXX for my family of XXXX ; Departure was Sun XXXX and Return Fri XXXX Booking ID : XXXX ( XXXX ) There were 2 parts to the trip : 1. Hotel Reservation - For which I have received a full refund through the credit card company - About {$3000.00} 2. Flights with XXXX XXXX - About {$3000.00} - XXXX XXXX informed us that the flight were cancelled to XXXX and that if we wanted a refund we should contact XXXX. I tried to contact XXXX  and they said via voicemail and posted on their website that they are not responding to any call or request, and that everything needs to be handled with the credit card company. 

I have already paid for this balance so I want my money back. I have contacted via phone and chat CITI multiple times, they refuse to send me my refund, they keep saying that they have to work it with XXXX, so they are just sitting on my money that I paid, they are not paying it to XXXX and they refuse to refund me. 

For over 2 months now I am carrying a negative balance of over {$2900.00} because I paid my credit card balance months ago, have been fighting with CITI and they are evasive and non-responsive and keep denying my request.

This is a time of crisis, CITI is holding my funds for multiple months now, they don't pay me any interest on it and I can't invest it. And XXXX seems to have already indicated that they will not respond, they officially posted it on their website and will not answer the phone.

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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My homeowners insurance payment of {$2000.00} was due on XX/XX/XXXX. I received a notice on XX/XX/XXXX dated XX/XX/XXXX from my insurance provider that a payment had not been received. I called the NewRez customer service department and was informed that the check was issued on XX/XX/XXXX, and probably wasnt mailed out until a few days later and probably just had not been processed yet. 
When I asked why it was issued so late I was informed that they did not have my insurance information on file. They purchased my loan back in XX/XX/XXXX and after checking with my insurance agent, I found out they did not change the policy holder information when they took over the loan. They waited until my payment was almost due to change the information on the policy, so it was due to their error that they did not have the insurance information needed to make the payment on time. 
I reached out to my agent and he said that he would keep an eye on my account and let me know when the payment was received. 

On XX/XX/XXXX I received an email from our agent that the payment still had not been received. I reached out to NewRez customer service again to see if the check had cleared so we could try and track the payment. I was informed that a stop payment had been put on the original check and that a second check was issued on XX/XX/XXXX. 

On XX/XX/XXXX I received another email from our agen that the payment still had not been received, so I reached out to NewRez once again. I was informed that the check had not cleared yet, but that they would keep watching it and if it hadnt cleared soon that they would put a stop payment on it and issue another check. I informed them that the payment is already 37 days late and I am at risk of having my insurance cancelled. I was told to just check back in a few days and see if the check had cleared. There didnt seem to be much concern that my insurance was at risk at the fault of NewRez. 

Shellpoint Mortgaging Servicing dba NewRez is the servicer of our mortgage loan, and it is their duty to make timely escrow disbursements under federal mortgage servicing law. This includes disbursing our homeowners insurance payment. They have failed to do this and now my insurance is at risk of being cancelled. If they are unable to get a check mailed then they need to wire the money directly, or make the payment in another manner to make sure that it is received by my insurance provider.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
On account XXXX XXXX XXXX appearing on Equifax and other bureaus that includes at least XXXX, EQUIFAX AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My wife and I were working with VIP Mortgage in order to refinance our home when on XX/XX/XXXX they messaged us to request that I call Equifax to inquire why suddenly my credit score and credit history was no longer available. Equifax representative looked it up and said there was nothing on the file to prevent that, that a must be a problem on the mortgage side. Long story short every week Since XX/XX/XXXX and continuing thru today XX/XX/XXXX we have been trying to fix this problem. XXXX XXXX the suggestion that came to light is that maybe the fraud alert on my file is the problem preventing the mortgage company to pull my credit information. XX/XX/XXXX was the first available time to call Equifax during their hours. I spoke to 4 different representatives when finally the last person tried to remove this fraud alert ( supposedly ) This representative, named XXXX, was also bewildered as to why this was so difficult after attempting many things. His last comment was he had removed it and gave me a confirmation # XXXX and said it would take 24-48hrs for the removal. I have checked my file online and it is still active. THIS IS PREVENTING A MORTGAGE LOAN TO BE PROCESSED AND IT NEEDS TO BE RESOLVED!!. We have spoken to countless reps and have been hung up on when asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
This is the 3rd time I have filed a complaint over this account that was with another company. Please delete this fraudulent account from my credit report from COMMONWEALTH FINANCIAL {$810.00}. I will file a LAW SUIT if they do not remove my name and personal information from their ( COMMONWEALTH FINANCIAL ) database. COMMONWEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative ZOMIE account information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMONWEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMONWEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: MI

Complaint narrative:
I found on XX/XX/2020 that a hard inquiry was made on my credit report given by Transunion. The hard inquiry made by XXXX XXXX XXXX, is an unauthorized inquiry. I have not opened, nor applied for any lines of credit in the past year. I want this hard inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
This is a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my XXXX AND EQUIFAX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date XX/XX/XXXXStatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated0XX/XX/XXXX Balance {$5600.00} Balance XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One XXXX This account is not mine. I was only added as an authorized user. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal 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 explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal 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 explanation
Consumer complaint received 2020-05-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With XXXX XXXX XXXX has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that XXXX XXXX verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}

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 2020-05-07 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} XXXX XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}

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 2020-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX of 2015 I sent in an auto payment enrollment form to Bank of America to set up an auto payment for a credit card. They never set up the auto payment and then reported missed payments for XXXX and XXXX. This is wrong reporting.

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