vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Hi, My name is XXXX XXXX I bought a vehicle 3 years ago and west lake financial bank gave me the loan, I moved out of state a years ago and I cant get my title from the previous state I lived before, my registration is expired I got pulled over 3 times by the police officers called west lake numerous of times they are not helping me in this issue I have, I went on the dmv in the current state where I live they told me to contact my lien holder they should make the request, I contacted west lake theyre telling me contact title support, they dont have phone number or in the website they dont have the lenders name ( Westlake financial ) . Im stuck and hopeless in this mater and problem I have, This bank is totally unprofessional and doesnt even care about theyre costumers

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 2021-11-14 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: CORELOGIC INC
State: OH

Complaint narrative:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing you in regards to an account that I have been trying to get information to validate that I am responsible for this account with portfolio Recovery. I sent my first request to them on XX/XX/2121. They have not yet sent the information I requested. I sent a request to cease and desist reporting this invalidated information to the three major credit unions on the XXXX of XXXX. They have failed to respond with the information I requested from them and have not removed these negative marks from my credit reports. They have denied me the right to investigate the accusation that I am legally liable for this debt. I have enclosed a copy of my original request. I thank you very much for your time and assistance. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I charged the amount of {$100.00} on my BofA credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. BofA reported my account to XXXX as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called BofA three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from BofA asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to XXXX XXXX to get resolution through them. 

When I looked into XXXX, I noted that BofA reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to XXXX, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.

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 2021-11-14 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: Park Hill Holdings
State: OH

Complaint narrative:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
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 2021-11-14 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: IL

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: West Realm Shires Services Inc.
State: NJ

Complaint narrative:
As of XX/XX/2021 I have send multiple emails to FTX US ( cryptocurrency ) to let them know that I have changed my email server, and cause of that I had to change my email which is the XXXX in my FTX US account ( XXXX ) my new email is XXXX. FTX US has responded with email that state I should wait 72hrs cause they are very busy, I have waited and gone thru the process of what the email they send me in what to do, but here is the cliche it takes me back to place another support ticket.I have funds in the acct and I can not access it. Reason Im reaching out to your dept for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In 2019, I took a certification course by a company called XXXX. This certification was aimed to help advance my career. In 2019, I signed an agreement with XXXX  stating that if I met all requirements then they will waive the tuition fee ; this is also known as their " XXXX XXXX ''. 

After meeting and completing the requirements XXXX had set forth, they broke the promise and still said I owed them the tuition fee, which is about {$9300.00}. There were a lot of back and forth emails between XXXX and me regarding the tuition fee. They kept deflecting the argument and coming up with multiple excuses that I owe this money. 

XXXX XXXX, XXXX and University XXXX XXXX ( XXXX ) are two companies that Springboard uses to get anyone who signs up for the certification course to get a loan from them. I told XXXX and UAS that I dispute the loan and told them clearly over email that I do not owe this loan. My lawyer wrote them emails that I dispute this loan. 

Despite telling XXXX XXXX XXXX XXXX in written and verbal communication that I do not owe this loan and that I am disputing this loan, they ignored it and just kept twisting my arm that I must pay no questions. They are reporting it to the credit bureau, which I do not understand how that is fair. If I dispute a loan, then why am I required to keep paying when I do not owe this money. If I dispute a loan, then it goes on hold until a resolution is found. I find myself to be in a growingly difficult situation because they are reporting this to the credit reporting bureaus and tanking my credit score. I am currently in the process of finding a new home and having this on my credit report is making it difficult for me to get great mortgage approval rates. 

Can you help with my situation, please?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Friday XX/XX/2021 we sent {$5000.00} from our ( my and my wife 's ) joint account in Bank of America to my account in the XXXX XXXX XXXX XXXX. The clerk in local BoA office tried to enter the XXXX XXXX XXXX XXXX IBAN code we offered her, but for some reason this attempt was failed. Then she has used the XXXX XXXX XXXX code ( XXXX ) and account number. Only later we learned that now it is necessary to add 'XXXX ' characters at the end of XXXX code that contains less than 11 digits ( i.e. XXXX  in our case ). As we later found other bank system ( e.g. in XXXX XXXX ) automatically adds these XXXX ( and supposedly along with bank account number creates IBAN code ). However, the BoA system didn't add these characters and it allowed to enter my XXXX XXXX XXXX account number. As a result this transaction was successfully completed from the BoA side, but I received no money at my XXXX XXXX XXXX account until now. It means that the Bank of America system sent money nowhere. Moreover, it looks that the BoA wire transfer system is obsolete, while the local BoA personnel are incompetent, being unaware of recent changes. 
The service the Bank of America provides the customers is absolutely terrible. We have another complaint that confirms this our conclusion. But it is different story.

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 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Lending Club Corp
State: ID

Complaint narrative:
I opened a XXXX XXXX  account on XX/XX/XXXX through my friend 's referral link XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The referral bonus terms ( attached ) say that you only need to have {$500.00} in the account on the 60th day, which would be XX/XX/XXXX. On XX/XX/XXXX, I added funds to the account to get to a {$500.00} balance. I messaged support on XX/XX/XXXX if I satisfied the bonus requirements. She said yes and that I would get the bonus in 90-95 days. I asked if I could withdraw the funds and still be eligible. She said yes. I waited 96 days and did not receive the bonus. I asked support and they have changed the terms to have an average of {$500.00} over the first 60 days. These are not the terms I signed up for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used PayPal Credit recently to make a purchase but when it started my account, it wouldn't let me access the online portal for my statement. It gave me a technical error and I immediately called in XXXX, XXXX, XXXX, XXXX, stating I couldn't access my statement. In XXXX I assumed they would resolve it, so I called to report the problem them made a minimum payment through the phone system. Each month, they were unable to provide me access or resolve the error. In XXXX I requested a paper statement be sent because they were charging me late fees and said I owed a significant amount of money. I have never been provided a bill or statement that indicates what I charged and what I owe, just a reminder to pay have been emailed and texted with a request to view my account by logging in ; the email and text were a 'no reply ' so you can only call the company. Again, I tried to access and received a technical error and it wouldn't connect me. I can't screenshot the error, it says due to privacy I can not screenshot, when I call they run me through questions but can not resolve. Again, when a paper statement was requested, it was not sent and no information stating this request was sent to me. They recorded the call, they say when you call, but that is all I have. They corrected the late charge, because I asked for a bill, but again nothing to help me access the account or account information. How can I pay or verify debt if they refuse to provide information about it or help resolve the issue with accessing the account?

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 2021-11-14 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: CA

Complaint narrative:
XX/XX/1921, I disputed Accounts for XXXX XXXX XXXX and received results directly from them showing one account ending in XXXX with a result not in compliance with Federal guidelines under FCRA because the results were : All of the account details we reported are accurate. Thats it nothing else. Am I to take their WORD for it? Guidelines require much more than a TRUST US WE ARE REPORTING IT ACCURATELY Disputed on XX/XX/21, submitted with a 609 letter. Result letter dated XX/XX/21, Disputed XXXX XXXX XXXX account ending in XXXX. Sent 609 letters and 611 letters. Account XXXX disputed XX/XX/21, result : All of the account details we reported are accurate. Thats it nothing else was verified.The next thing I sent was a 611 letter that requires the bureau to indicate lots of details that include, name, contact source of the info, how they obtain the details, including tools and methods used. I got nothing. This is what they did illegal. When I submitted supporting documentation showing the first result which offered nothing but their WORD see attached-result was All of the account details we reported are accurate. Account XXXX : XXXX-dispute submitted XXXX credit report pulled by XXXX XXXX XXXX XXXX-Bureau updated Account XXXX : XXXX-dispute opened XXXX- XXXX XXXX XXXX pulled XXXX report. XXXX again accepts this result Allowing them to continue reporting an UNVERIFIED ACCOUNT. The result was clearly unverified and should have been removed XX/XX/21. Next step will be a small claims lawsuit especially since this is obvious fraudulent practices especially pulling my XXXX report to get balance on charged off XXXX accounts because they dont have them anymore cant verify. I noticed after I submitted that they pulled XXXX reports they didnt do it again! What would they need to pull XXXX reports to complete a dispute for????

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 2021-11-14 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: Ocwen Financial Corporation
State: AR

Complaint narrative:
XXXX XXXX  XXXX AND XXXX XXXX XXXX MUST NOW SEND LETTER TO XXXX XXXX AND FURNISH DELETION LETTERS FROM THEM ALL JUDGEMNETS AND ACCCOUNTS ARE BARRED DUE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: EQUIFAX, INC.
State: AR

Complaint narrative:
equifax XXXX and XXXX are fraudulently collecting account via XXXX XXXX and XXXX XXXX  that belongs to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have several wrong items on my personal information such as misspelled names, wrong addresses, and wrong employment that I have attempted to get removed from my credit report. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current information and prove my identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
1. CitiCard misapplied two XXXX 2021 payments to my City Diamond Preferred Card account they had closed ( # XXXX ) due to inactivity, with NO notification to me, giving me a chance to keep this card active. 
2. When I called CitiCard @ XXXX on XXXX @ XXXX XXXX about this problem, she said the card with the misapplied credit balance was closed due to inactivity. She said it would take 3 business days to transfer the misapplied payments to my open Costco Anywhere VISA Card by Citi account ( # XXXX ). 
3. I told her I received no notice my City Diamond Preferred Card would be closed due to inactivity. She said I was sent an email but couldn't tell me the email address, date, etc. I told her I always requested paper copies of all of my credit card statements and all notices. She said, Well, it's closed and can't be reopened without applying for a new credit card, which will adversely affect my credit rating. 

CitiCard should reopen this closed account City Diamond Preferred Card ( with no charges/penalties to me ) since they failed to notify me by mail it could be closed due to inactivity. I also feel that the government should look into CitiCards practice of retaining funds paid on closed accounts. This does not seem legal or ethical.

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 2021-11-14 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: NC

Complaint narrative:
After carefully reading and reviewing all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " XXXX XXXX XXXX ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this XXXX XXXX XXXX XXXX and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from XXXX XXXX XXXX has been on all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. XXXX XXXX XXXX is reporting to all 3 of the national credit agencies Experian, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this XXXX XXXX XXXX XXXX in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, Experian, XXXX and XXXX XXXX. 
After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from XXXX XXXX XXXX in California is still appearing on all 3 of my national 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
Consumer complaint received 2021-11-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have several wrong items on my personal information such as misspelled names, wrong addresses, and wrong employment that I have attempted to get removed from my credit report. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current information and prove my identity.

Company response to consumer: Closed with explanation