vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My Costco Citibank credit card has a cash back reward program. They send a check that must be redeemed for cash or check in the Costco store. As a result of Covid, I do not go into Costco. I fall into a high-risk category and isolate at home. I contacted Citibank to see what accommodation could reasonably be made in the term of a account credit or mailing a check that can be negotiated through my bank. They refused to make any accommodation, and stated that as a matter of policy, they were requiring individuals to go into the store to cash their check. During Covid they shouldve made a reasonable accommodation to my XXXX, this policy is both unfair and abusive. Citibank has many alternatives available to them to provide relief to the consumer and allow them access to their much-needed funds. I do believe that this deceptive policy has been put in place to limit the payouts under this program as the funds will expire at the end of 2021. I asked them for an accommodation and they refused, I further asked them to register my complaint for their internal system. I asked if it were possible for a family member who I designated with appropriate ID, I could make this transaction for me and they stated that I had to be there in person. There is no ability to retrieve my funds without my physical presence inside their store I asked for an escalation of this problem to a superior, and they said there was no escalation opportunity. I am requesting that the CFPB include this complaint in their review of Citibank Covid response and customers forbearance efforts.

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 2021-02-01 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: NY

Complaint narrative:
I have not reviewed my credit report because I never felt the need to utilize it. Until recently, my child is about to finish grad school and I wanted to help him. I noticed that I am a victim of Identity theft. I contacted my lawyers and they told me to fill out an FTC document with my supporting documents and submit to you. I expect a swift removal because I am going to seek litigation against the man who did this 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
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
Collection company ERC is reporting a claim from an original creditor ( XXXX ) that was opened XX/XX/2020. This claim is false, I believe this claim is due to fraud, I have never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I'm trying to close my Huntington checking account - XXXX. Normally I would use a bank online message center, but Huntington doesn't have one. Then I tried to use their online chat, but it tells me I need to go in person to a bank, although I have an online only account and there are no Huntington branches near me. I can't get past the virtual assistant to a live person. So I phoned Huntington XXXX but it asks me for my debit card number which I don't have. I was finally able to get through the automated message, only to be told that my estimated wait time is more than 45 minutes. So ... no online message center, no live chat, no bank branch, no phone help. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: SC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a CapitalOne Savings and Checking account. Someone hacked into my accounts and transferred money from my Savings account to the Checking account and then XXXX, XXXX and XXXXd the money to themselves. I reported the theft as soon as I noticed and I am in the process of filing a police report. CapitalOne is not refunding the money to me even though I am a victim of theft/fraud. This was most of the money I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed chapter XXXX bk in XX/XX/XXXX. Best Buy/Citi was one of the creditors. They were notified of the filing but, continued to debit my bank account for previously scheduled monthly ACH payments which is a violation of the bankruptcy laws. I tried several times to stop the ACH pmt with them but, they continued for 2 months after being notified. I was finally able to convince my bank to stop the payment withdrawals by providing my bankruptcy documents. 
I have called Best Buy and requested the 2 late payments in XXXX and XXXX of XXXX. The account was not late. It was in chapter XXXX bankruptcy repayment they were notified. I have been denied credit by a mortgage lender due to the 2 late payments. I was informed by my lender that I can not have any late payments after the BKXXXX. I need Best Buy to remove the late payments from all 3 credit reporting agencies.

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 2021-02-01 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: NV

Complaint narrative:
I have an unknown collections account on 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 2021-02-01 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-02-01 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I refinanced my conventional mortgage with XXXX in XX/XX/2020. First the process was cumbersome and very slow taking approximately 2 months. During my signing I noticed that the deed recording name was wrong. I brought this to the attention of the company which resulted in a few emails back and forth and them reassuring me that it will be corrected. They also sent me the corrected recording sheet. After all this the company still recorded the deed incorrectly. I have contacted the company regarding this and I have resigned the documents again. The company has since sold my loan and we are 3 weeks since my resigning with no correction. I have over 10 back and forth emails with the company reassuring me this will be fixed but it never does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Barclaycard to dispute several late fee assessments on my account and their failure to reply to email and written disputes of said amounts on XX/XX/XXXX and XX/XX/XXXX. My account due date is the XXXX of each month and the fees that I'm disputing are characterized as late fees : XX/XX/XXXX ( {$40.00} XXXX despite payments : XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$160.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$170.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$100.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$200.00}. 

I spoke with representative XXXX on XX/XX/XXXX, as the phone lines were closed the majority of the year due to COVID and I had been unable to reach anyone by phone, email or letter until this date. XXXX advised that Barclays closes their billing cycle on the XXXX of every month and as such will apply any payments made prior to the XXXX to the prior month 's billing. I advised that I make payments exclusively online through my In Home Support Services worker because I am disabled and pay someone to come in to handle my legal affairs at the beginning and end of each month. At no point in time did the website indicate that payments made on that day would not apply to the monthly payment. In fact, the minimum payment for the month showing as owing is always listed and gives the account holder the belief that it is being paid. 

I asked XXXX to transfer my call to manager XXXX XXXX XXXX, as I disagreed with their policy of assessing late fees for timely payments without providing any type of notice, as well as their failure to answer emails and written complaints regarding previous late fees, as I would've been apprised of their policy had they responded to my earlier disputes. 

XXXX refused to apply the payment that I made today for {$77.00} to my XX/XX/XXXX due date despite the fact that I told her that the payment was made online XX/XX/XXXX for my XX/XX/XXXX due date and that COVID has left me unable to make additional payments. Additionally, she refused to refund any late fees from XXXX despite their failure to respond to my previous disputes and only promised to provide a credit for the {$40.00} late fee assessed on XX/XX/XXXX in a future billing cycle. 

In most months, I make between 2-3 payments to help pay off my card sooner. At no time did their website alert me to the fact that my payments were not being recorded appropriately and they never responded to my inquiries to clarify their policies to allow me to make any changes.

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 2021-02-01 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: U.S. BANCORP
State: CO

Complaint narrative:
Refund my damages ASAP.

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 2021-02-01 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: OH

Complaint narrative:
I previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

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 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I completed a consolidation in XX/XX/XXXX and Navient has not been able to explain the approximate {$10000.00} increase to my consolidation balance. 

I, XXXX XXXX, am providing this written explanation for the basis of the dispute concerning the balance changes for consolidation loans 2-08 and 2-09. I will also provide documentation as requested by the Navient representative. 
I am currently in the home buying process over the next several months and ask that Navient understand and empathize with me concerning the significance of changes to my credit report during this time. 
I have reached out to Navient representatives to explain the balance changes for consolidation loans 2-08 and 2-09. No one could successfully identify documentation for the change, the reason for the change, or explain the difference. Therefore, the Navient representative submitted an escalated request for my consolidated loan balances to be reviewed, requesting an explanation of the changes. I have reviewed both in boxes in my Navient portal, and the latest documents posted since the approved consolidations are the tax statements ( XX/XX/XXXX ) and the quarterly interest statements ( XX/XX/XXXX ). 
Previously, Navient has uploaded supporting documentation in my Navient portal concerning any changes to my account balances for any reason. My mortgage loan is currently in the underwriting process, and the lender will pull my credit again before the approval is final. The last report pulled by the lender reflects my consolidation loan balances foXXXX XXXX XXXX {$220000.00} XXXX and XXXX XXXX {$27000.00} XXXX, as they are shown in the approved loan consolidation and repayment plan totaling {$250000.00}. As of XX/XX/XXXX, my loan balance has changed significantly. 
The increase of {$9500.00} has increased my student loan debt, which might affect my debt to income ratio. It could postpone or stop the mortgage loan approval and closing date altogether. 
I hope that Navient understands the severity of my current situation and is aware of how critical it is for accurate reporting to my credit and providing documentation to the lender for such relevant changes. I am clueless about the details of the balance increase and became even more confused after speaking to two Navient representatives that were just as puzzled as me. 
All in all, I have committed a great deal of my time and finances to reach the mortgage goal of buying a home. I have worked consistently with Navient for the past several months to ensure my student loans meet the mortgage lenders ' standards and the department of education. As you can see, my education is essential to me, and finalizing my approval for this current mortgage loan is equally crucial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NJ

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-02-01 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Hi to whom in concern, I have received late payments from Navient for XX/XX/XXXX, and I am devastated. I never received any notifications or anything indicating that I was responsible for a payment due to the nationwide deferment of student loans. According to Navient 's website, " Federal student loan flexibilities for the COVID-19 emergency have been extended at least through XX/XX/XXXX ''. So how was I 90 days late for a payment that was not even due? It has destroyed my credit score. Im currently in an income based payment plan as of XXXX. It wasn't brought into my attention that I was late until XXXX. I do not understand. My payment were held off due to the pandemic, yet I have received penalties. How could I be punished at such a time like it is with everything going on with this horrible virus, and this pandemic that has effected millions. Again, I am completely shattered. Please fix this situation! 

Thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TX

Complaint narrative:
Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' XXXX XXXX Account charged off. {$5400.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX/XXXX XXXX Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXublic Record

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 2021-02-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
XX/XX/XXXX - I made multiple calls to XXXX XXXX XXXX to ask to be provided the date the account went delinquent and dates and amounts of payment received on the account. They refuse to provide me this and send me back to the provider ( Iowa Student Loan ) They took legal action on a loan that was taken out in XXXX, 19 years about - well past the 10 years allowed on a promissory note. 

XX/XX/XXXX - I called Aspire ( Iowa Student Loan ) requesting a print out of the account that details the payments made and dates, they refused to provide me this information. I asked for the date that the account went delinquent, again they refused to provide me this information. They sent me back to XXXX XXXX and XXXX for answers. 

It is ILLEGAL to take action on time barred debt, which both companies are doing and neither will provide me the documentation I am legal owed.

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 2021-02-01 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: FL

Complaint narrative:
I check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim 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