vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
on Saturday XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX XXXX Located at Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX to see if we can get a bigger car for our family of XXXX people, then since I get in contact with the sales team I ended up signing a contract without knowing the impact that will happen in the future. my concern is how they trick people during the paperwork process, the Sales person named XXXX XXXX convinced me about an Internal Insurance, that will protect the purchase if something happened like damages in the engine and parts and another many stuff which in other words is a SERVICE CONTRACT I asked him many times if i decided to withdraw later on their " insurance '' that how he explained me my monthly budget for the car payment supposed to be {$500.00} per month, and with their insurance protection will cost additional {$220.00} " subject to change if I decided not to keep their insurance. 

40 days after the purchase on XX/XX/XXXX I went to their service center, the vehicle had a weird noise in the engine, I was afraid because i drive the vehicle only for couple of days. 

I realized that I have to pay for the repairs, I complaint with the service center team because sales told me beside the insurance also told me 90 days guarantee if something happened. 

ln XX/XX/XXXX I have to come back due another noise with the vehicle and I had to pay {$150.00} in the service center, as per today 's the same vehicle has the check engine signal blinking in the car tablet.. I call the to take the vehicle and is very hard to get an appointment with them I considered that " INSURANCE '' or Service center is not worthy and is a trick for them to get money from customers XXXX XXXX never mentioned that they will add the insurance the service center in the loan which was {$3000.00} and increased my monthly payment to {$710.00} per month During this pandemic time my family budget is tight and became to a hardship situation and when I called the bank that's how i realized that they lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
not mad at bank of america got XXXX XXXX XXXX from XXXX XXXX XXXX purcahse of XXXX just wanted to dispute it as i got XXXX XXXX. severelly i was travelling merchant des not respond please diispute on my red card cash rewards. there was no way to do it online please. dispute i got violently ill violently no response. please credit XXXX from them

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 2020-05-17 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: VA

Complaint narrative:
I tried to redeem my Thank You points online but my account was locked. I tried to call the Service center on XX/XX/2020 during the time they said they are open, but was told on the phone the office is closed. I called again and was put on hold for over 2 hours with no responses ( saying there is a long wait ). I tried to chat with folks at Citi online but they refer me to the same number I called. I then tried to text to XXXX but was routed back to online chat where the agent can only give me a phone number that I was not able to speak to anyone who can unlock my Thank You account. I then tried to call the automated line to redeem my points. But every time I was prompted to say where I want to redeem from, they can't recognize my voice for XXXX 's.

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I learn my Citibank credit card is 2 months behind because, as the first rep I spoke to that morning explained, " the auto pay was disabled by Citi, the system does this after a certain amount of time and we don't know why this is ''. After speaking with 2 other customer service representatives as well as a collection representative over a 45 minute period, no representative would reverse the fraudulent late fees ( {$40.00} XX/XX/XXXX, {$29.00} XX/XX/XXXX ), even after I explained the first representative admitted the bank deactivated the auto pay I set up. 

I'm employed and not having financial issues. I even made an immediate payment before calling Citi and reactivated auto pay. 

On XX/XX/XXXX I called the customer service team again and the first representative refused to reverse the fraudulent last fees, as well as the collection representative I was transferred to. I was then transferred to the fraud department and detailed the issue, and was transferred to a representative that was suppose to resolve the issue, but this rep pretended there was a bad connection and hung up.

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 2020-05-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit reporting bureau reporting inaccurate information on credit report this account was paid to the original creditor paid in

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: FL

Complaint narrative:
I was made aware of an attempt to pull my credit by XXXX  on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and immediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX and Equifax. The account was listed as XXXX and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX and Equifax to have the account removed. On XX/XX/2020 Equifax notified me that the account was verified and would not be removed. I also contacted XXXX at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2020 my credit took a drop of 13 points with both Transunion and XXXX with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am XXXXne of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me out.

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 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
One of my continuous issues with my mortgage company PHH MORTGAGE IS THE INCOMPETENCE. IN XX/XX/2020 I ATTEMPTED TO REFINANCE. THE ISSUES WERE SO BAD THAT I RESORTED TO FILING WITH CFPB. I HAVE NOT REFINANCED TO THIS DAY. PHH LIES AND SAYS IT TRIED TO HELP ME BUT THE SAD PART IS THEY PASSED THE BUCK TO STALL AND COVER UP INCOMPETENCE. I SPENT A WEEK ARGUING WITH AN NEW AGENT WHO INSISTED THAT I MUST GET MY OWN CERTIFICATE OF ELIGIBILITY FROM VETERANS AFFAIRS. UNTRUE. AS A VETERAN I TRIED FILING FOR A VA LOAN. IT WAS RIDICULOUS. I HAD TO ARGUE ANOTHER AGENT DOWN ABOUT BEING A XXXX VETERAN AND THAT FACT RELEASED ME FROM SEVERAL OBLIGATIONS IN REFINANCING. ONCE AGAIN ABOUT A WEEK WASTED WHILE THEY SELF EDUCATED. THEN THE AGENT COMES BACK AND INFORMS ME THAT I HAVE TO HAVE AN HOME INSPECTION DONE AS PART OF A VETERAN CLOSING. IT TOOK 2 MONTHS TO FIND OUT I WASN'T QUALIFIED FOR THE INTEREST ONLY REFINANCE. I ASKED WHAT OTHER TYPES OF REFINANCING IS AVAILBLE. THE AGENT AND I HAD A DISAGREMENT. I HAVEN'T HEARD FROM ANYONE SINCE. THIS IS DEPLORABLE. I TRIED CALLING AND ITS SO HORRIBLY INEFFECTIVE BECAUSE THEY DONT KNOW WHATS GOING ON AND WILL TRANSFER THE CALL TO THE USELESS DEPARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on or about XX/XX/2020 synchrony bank closed all of my accounts with them. i had 28 accounts, all in good standings and paid as agreed, never 1 minute late, paid more than the minimum payment due and had paid off all accounts except 9 accounts. they closed these accounts without notice! in fact i was going to use my chevron gas card and it didn't work at the pump. the screen asked me to see the cashier to process the credit card payment and was told by the cashier the account was closed. 
synchrony bank had raised my credit limit on all accounts on or about XX/XX/2020, then they closed all my accounts. the first chance i got i went online to check my credit profile and noticed all synchrony accounts closed. i started calling the synchrony accounts. i was not given any information as to why they closed these accounts. also, when paying my accounts online i was always asked if my ability to make the monthly payments had been affected by the covid 19 situation and i always responded " no ''.

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 2020-05-17 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: NY

Complaint narrative:
on XX/XX/2020 my credit took a drop of 13 points with both XXXX and Equifax with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am one of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
on XX/XX/2020 I called Santander Consumer USA to find out options about my car loan and the debt since the call is recorded I explain the Telephonic Agent the situation that New Yorkers and the whole world about the Pandemic and the struggles to handle hardship financial matters how can be possible that they are charging interests and fees during pandemic? 

I had to sign another extension in order to get the account current, which in the mean time for 3 months all the interests an fees will impact financially the budget of my family and will be stuck in a loan that never decreases the level of debt how can that be possible for any parent to negotiate that unfair agreement during pandemic banks and corporations are hurting peoples credit in this unfair money game to the citizens of the united states of america

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
BK OF AMER - XXXX and XX/XX/2018 2018

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 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
The acquisition of PHH Mortgage by Ocwen was supposed to cure the enormous problems that Ocwen had - it hasn't. PHH is worse than Ocwen in customer reposes and service -m there is no one to talk to, they are not responsive to legally responsive questions, or the customer is just ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: LendingUSA
State: GA

Complaint narrative:
I recently submitted a complaint of in accurate late payment from Lendusa. They had 1 late payment listed for XX/XX/2019. Now all of a sudden I have 3 late payments from XXXX, XXXX and XX/XX/2019. This is causing a affect on my report in the midst of purchasing a home. I have never been late and had agreement for a deferral. I have contract and email. How can they all of a sudden report 3 late payments a year later this dont make any ethical sense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-17 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 submitted an Identity theft report from the FTC website to transunion twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.

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 2020-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

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 2020-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

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