vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchaised two air tickets on XX/XX/2020 each worth {$780.00} each and a service charge of {$39.00} which makes a total of {$1600.00} using B B V A credit card and the air line ( XXXX XXXX XXXX cancelled the flight due to covid..I requested BBVA to dispute the transaction and refund the money .They refused saying the merchant disagree.I contacted XXXX  XXXX and they want to charge {$400.00} for each ticket as cancellation charge though the govt. said no cancellation charge be made due to covid. 
Also I disputed three charges that are not authorised by me EACH WORTH $ XXXXand they did not refund the money even after my dispute. this card is being charged {$25.00} each month even after my cancelling the card.The total charged amount is {$75.00} I need the money of both REFUNDED.THE CREDIT CARD COMPANY IS NOT DOING ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: MI

Complaint narrative:
I paid off my RV loan with Bank of the West early, on XX/XX/2020 via electronic delivery through XXXX  XXXX XXXX. The funds were received by Bank of the West on XX/XX/XXXX. 

Bank of the West did not process the payment against the loan until XX/XX/2020. At that time, they promised to send the title within 10 business days. As of XX/XX/2020 I have still not received the title. 

I have placed 4 calls to Bank of the West customer service regarding this issue and each time, after a minimum of 50 minutes on hold, I am given a verbal shoulder shrug and told that my paperwork is " in process ''. 

They've had my money for 45 days and I still don't have my title. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm a loyal customer with Citibank for more than 7 years. The Citibank checking account was actually the first bank account I opened when I arrived in the US. A few years later, I started a saving account with them. 

On last Saturday ( XX/XX/2020 ), while I was trying to check my balance and logged into my account page via desktop. However, I could only see the balance but was not able to view the transactions. The webpage said " We've encountered an issue and are having a problem processing your request. '' This happened before because of the Citibank.com tech issues. Therefore, I did not really paid attention to that. However, when I checked the account from my mobile app, I found that both of my checking and saving accounts were close. Without any notice, my accounts were closed! I was totally shocked. It was pretty late already so I used the online chatting tool to get help. I was told that the online customer service does not have the authorization to view my case and I wad lead to a phone number. I called the number they gave me ( XXXX ) the next day ( XX/XX/2020 ). After a long time waiting to reached to a customer representative. The person told me that the Citibank had made the final decision of closing both of my accounts and I would not be able to receive any payments. When I asked for the reason he started repeating the scripts. I asked him if I could get my money back and when. He told me I would receive a letter in 30-60 days explaining the next steps after they reviewed my accounts. 

For seven years with them, except 3 times overdrawn, I never did anything risky ( the overdrawn have not happened for a long time and I paid them clearly soon after it happened ). This decision came from no where and was not reasonable. Having no access to my fund for 30-60 days will put my life in a very difficult situation, especially during this covid-19 pandemic time. When I pointed out the recklessness behind their decision, the customer service person told me he needed to hang up and that was it. I realized the phone call would not go further either, so I started to unlink all my service with this bank account. But it was still too late. I updated my direct deposit setting with my employer on XXXX, but I still missed the payment which should have came in on today ( XX/XX/2020 ). 

I double checked my emails and mails, but never found any notice from Citibank asking me for any information to keep my accounts or warning me for the risk of getting my accounts closed. With no access to my checking and saving balance and missing my new paycheck, my life could not go on right now. I think what they did to me was 100 % unfair and unreasonable.

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 2020-09-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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 XXXX  data breach and may have gotten into the 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 2020-09-15 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: FL

Complaint narrative:
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX 7.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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
This is now my 3rd complaint filed against LoanCare. 
As I have not received a response to my formal complaint thru the State of Michigan Dept. of Financial & Insurance Services for attempting to game the CARES ACT Forbearance provisions, and time is of the essence, I am forced to file this complaint. That & this complaint have to do with LoanCare arbitrarily changing the beginning & end dates of my now two periods of forbearance. As they have to failed to respond to that complaint in a timely manner & I expect them to continue their previous behavior I have been advised to formally state at this time my continued right to an additional term of forbearance on my two mortgage loans ( XXXX XXXX & XXXX XXXX ) due to a XXXX related hardship. The current term Im in correctly ends on XXXX & the new additional term will commence on XXXX XXXX. Essentially this same message has been conveyed to your President, Mr. XXXX XXXX. However, I have no idea if he will act in a timely manner to protect my rights. Therefore I have no other recourse other than to lodge this complaint against them & formally state my right to an additional term of forbearance.

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 2020-09-15 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: VA

Complaint narrative:
Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX  and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of XXXX XXXX last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX  you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is total XXXX all my check goes to my children for XXXX XXXX. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX  veteran.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.

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 2020-09-15 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: NC

Complaint narrative:
Ive contacted XXXX, XXXX, Equifax and they keep telling my FTC report is not a verified document from the FTC. They state that the federal trade commission said the document is not valid I want the item removed from from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NC

Complaint narrative:
Ive contacted Experian, XXXX, XXXX  and they keep telling my FTC report is not a verified document from the FTC. They state that the federal trade commission said the document is not valid I want the item removed from 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 2020-09-15 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

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 2020-09-15 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

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 2020-09-15 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: OH

Complaint narrative:
On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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 XXXX  data breach and may have gotten into the 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 2020-09-15 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: FL

Complaint narrative:
From XX/XX/2020 to present I've submitted disputes to XXXX XXXX  and XXXX  regarding my XXXX XXXX Account reporting past due for the month of XX/XX/2020. XXXX   provided me with a letter dated XX/XX/2020 that they was removing the last reporting and contacting the three credit bureau. See letter attached. When closing on my home, I was unable to close and lost monies because XXXX XXXX who confirms they received the letter stated the last four digits of the account number was no the same on the report. I submitted the dispute and they indicate that XXXX XXXX never responded to the dispute. It is my understanding that if no response is made within the 30 days then it should automatically be removed. XXXX XXXX is stating this is incorrect. 

I contacted XXXX XXXX  and explained that the letter had a different account number. According to XXXX XXXX, new account numbers were sent to cardholder once they took over and the account number should not matter because the old account number is linked with the new account. Old account number XXXX and new account number is XXXX None of this is making sense, but I know that I've lost my deposit for closing due to no one complying with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX we started a home improvement project with Lowe 's. This project included granite counter tops in kitchen and baths, sinks and plumbing to complete counters. Since these items are large purchases, we were recommenced by salesperson for me and my wife to each have an amount to cover balance after we paid some down with cash. My wife has opened an XXXX  account and was approved for {$6000.00}. I was approved for an XXXX  card for {$6000.00} in order to complete the purchase. We regarded these accounts as regular credit accounts with interest on the balance. We did not receive enough explanation from the sales staff at Lowe 's did not realize these accounts were " promotional '' and there would be a balloon payment added to the balance when it expired in 2 years. As senior citizens, we would not have agreed to these terms in this aggressive sales pitch if it was understood. 
Since XXXX we have both been making monthly on-time payments on each account. In XX/XX/XXXX a balloon interest payment of over {$4000.00} was added to my account and over {$2800.00} to wife 's account. These actions have significantly increased each monthly payment. The balances show " over limit '' because of these added charges. We dispute how these interest charges have been applied. We dispute that these accounts were agreed by us for " promotional '' terms. We want these accounts to be reviewed and re-written. We will continue to make regular monthly payments as we have done previously.

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 2020-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$2000.00} through online banking with XXXX XXXX XXXX XXXX to pay our mortgage for XXXX and XXXX. I inadvertently selected the wrong biller on our online payments. Our current mortgage holder is XXXX XXXX. Several years ago, we had our mortgage through Nationwide Advantage Mortgage. I inadvertently sent the {$2000.00} to Nationwide Advantage Mortgage instead of XXXX. 

I realized my error when we received a notification in early XXXX from XXXX that our mortgage was more than 30 days past due. I checked my account and noticed I had sent the payment to the wrong company. I contacted Nationwide Advantage Mortgage through every phone number I could find. Their automated phone system does not allow you to speak to a human without putting in an account number or social security number. I do not  know what account number the payment was sent to, and XXXX XXXX XXXX XXXX was unable to tell me. I tried pressing zero, saying operator, waiting it out -- nothing could get me through to an actual human. 

When contacting Nationwide failed, I contacted XXXX XXXX XXXX XXXX. The person I spoke with said that Nationwide had accepted the  payment. But she said XXXX XXXX XXXX XXXX would open a dispute and that we would have the money back in our account in ten days. I was so relieved. Several days later, we received a letter in the mail that our claim was denied. When I called to inquire, I was told that they denied the claim because I had authorized the payment. I never disputed that I had authorized the payment, but it was done in error and paid to a company where we do not have a mortgage. XXXX XXXX XXXX XXXX told me there was nothing further they would do and suggested I contact Nationwide ( which of course I can not do because I don't have an account number ). I asked again if they could tell me the account number they sent the payment to, and they said no. 

With no other options available to me to retrieve the {$2000.00} that Nationwide essentially is keeping fraudulently, I am filing this complaint.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was making regular payments to my CC - XXXX  Master Card issued by Barclays. I was told that because of job loss as per Covid, I could make regular payments until I was gainfully employed and can resume full monthly payments. The issuing bank, raised my rates and canceled the card this month.

If needed I can supply account numbers, SS # and payment statements.

I have had this card for over 12 years.

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