vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX, XX/XX/2020XXXX XXXX XXXX XXXX GA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Dear Friend : I deposited {$4000.00} in my Bank of America checking account of over 4 years on XX/XX/2020. These funds were to be used for my Pandemic relief and XXXX. After investigations I was informed that Bank America would not make the funds available to me for until XX/XX/XXXX. After numerous calls exceeding 5 and 2 disconnects I got nowhere. 

Resolution I would like immediate access to the funds and damages of {$16000.00}. 



Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  BANK OF AMERICA ROUTING XXXX ACCOUNT : CHECKING : XXXX REWARD SAVINGS : 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 2020-12-28 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: WA

Complaint narrative:
XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I returned the leased car on XX/XX/XXXX to GM financial. In XXXX I received a letter stating that I owed {$1100.00} for excess wear and tear, ending lease fee, etc. I called GM Financial and they agreed to give me a discount so that I now owed {$910.00}. I was told that they would be sending out a new bill with the NEW amount owed on it. A few days later I received a letter saying that I owed the same amount. I tried to call back, but could not get through to anyone. 

Then at the beginning of XXXX, I got an alert on my credit report that I was reported to be 30 day late on a payment to GM Financial. I immediately called and they told me that when I called in XXXX, they " verbally '' told me that they couldn't send out a bill with the corrected amount on it, which they never said. Before I hung up, I paid the balance. I am not worried about the payment I had to make, I am concerned with my credit score losing 80 points because of their lack of communication. 

I tried to explain to the manager that I am a loyal customer of 4 years. I've had two cars leased through GM Financial and STILL have a lease and a loan with them. I have never missed a single payment. I want the 30 day late payment taken off my report and they kept telling me they couldn't do anything about it. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 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: TX

Complaint narrative:
I have contact Equifax several times. 
I have now found out that this collection account. has been added to my account twice The account name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Recovery Systems
State: MO

Complaint narrative:
I received a series of calls starting at XXXX and another at XXXX XXXX and then again at XXXX XXXX, on XX/XX/XXXX. A man named XXXX XXXX, with CRS and Associates claimed to have filed a bounced check claim from XX/XX/XXXX in the amount of {$710.00} with my county sheriff 's department. He called my wife, my sister, and also my place of employment and threatened to contact my immediate supervisor. I told him that I did not want him contacting anyone but me in regards to personal matters, and he dismissed that by saying it was his right to try anything necessary to collect the debt. He offered to settle this " out of court '' and I told him I was not interested in committing to anything until I had the necessary info on the debt. He more or less stated that he would see me in court. 

My place of employment is small, and I am a senior manager. Calls like this can affect my position within the company specifically as it pertains to handling financial decisions, which is part of my responsibility.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-28 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: C/C Financial
State: TX

Complaint narrative:
I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time XXXX  has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to XXXX  stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

Account Name : XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2020-12-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I started a refinance on XX/XX/XXXX. I have subsequently had to have the rate extended 6 times because TDBank failed to complete steps on their part for the subordination agreement. They first filled it incorrectly according to XXXX, then sat on it for a few weeks and then subsequently didn't know who at TDBank needed to fix it. Two of their internal employees went back and forth for 3 days starting XX/XX/XXXX with me on the email thread trying to figure out who from TD bank needed to what steps and then they both went unresponsive. My last email from them was on XX/XX/XXXX. 

I then tried for several days to get a hold of someone at TD Bank and escalated to the individual managers and heard nothing from any of them. I finally had a manager ( XXXX ) reach out to me XX/XX/XXXX and they told me they would expedite it. They reached out to me again on XX/XX/XXXX and told me they should be able to get it close by following week. They then stopped updating me even after I sent multiple emails. The then had someone else finally reached out to me on XX/XX/XXXX saying this might take a couple of months. I have since been asking for my refund and can't get anyone to email or call me. 

Here are the list of people I have attempted to work with at TD Bank : Loan Officer : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : " XXXX, XXXX XXXX  NMLS XXXX '' XXXX Manager : XXXX Manager : XXXX I believe my only costs so far is {$22.00}. I have spoken to TD Bank twice on phone in past 4 weeks and they said only the people listed above could approve the refund and they would pass along the message. I have also asked them several times and gotten no responses. I do continue to get rate lock extensions documents to sign every few days and requests for update information such as paystubs because the ones I have already provided several times are outdated. 

At this point I am working with another bank on my refinance. TDBank service motto of " Legendary Service '' is terrible and I think each of the folks above, specifically XXXX, XXXX and XXXX should be terminated because they are incompetent. I will not do business or recommend TDBank to anyone because the company does not have a process by which customers can raise concerns. They unfortunately rely on their managers to do the right thing but that would assume they aren't hiring incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2020 I went to the BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, SC XXXX. I was instructed by the coordinator at XXXX XXXX to make a deposit payment in the amount of {$4200.00} for an upcoming XXXX on XX/XX/2020. While trying to make the deposit into the account number that was given at the time, I was told by the teller that that particular account could not take deposits at the time. I had a personal check for part of the payment and then a cash, I was then told that because I didn't have an account there I was not able to make a cash deposit. So for the remainder I had to go to my bank which was XXXX XXXX and get a cashiers check in the amount of {$2800.00}. I still had problems when I got back so the branch manager XXXX XXXX called the owner of the account and told her that I was trying to commit fraud on her account so she then instructed her to close out that account ( which this was after I had already made the deposit into her account ) and get a new one, I had Seduction on the phone with me while I was there. so once payment was made the company kept saying I sent it to the wrong account which I sent it where they told me to. so not hearing back I called my bank to stop payment on the checks and was told I could only stop payment on the personal check and not the cashiers check. Now XXXX XXXX has my {$2800.00} and keeps saying that she never received it, which the branch manager said that she received the money into her account. Had it not been for XXXX XXXX being prejudice and pre judging the transaction, none of this would have happened. XXXX XXXX XXXX made her think I was a fraudster and I'm the one now without XXXX and money back. I feel that BB & T branch manager XXXX XXXX should talk to her so that she can return my money because she knows it was put into her 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 explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: WA

Complaint narrative:
I am in the XXXX XXXX, I currently am XXXX in XXXX XXXX. In XXXX I was made aware of an account in collection for an account opened in my name via identity theft. I called the XXXX XXXX Police Department on XX/XX/XXXX at XXXXPST. The case number is XXXX. The account was opened in XXXX Texas with XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. The account went delinquent on XX/XX/XXXX in the amount of {$3200.00} and was turned over to Hunterwarfield on XX/XX/XXXX. I have submitted an affidavit and the account number with Hunter Warfield is 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 2020-12-28 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: Lending Club Corp
State: PA

Complaint narrative:
The first problem I had with this company was that they issued the loan I was approved for 30 days late. The official start date of the loan came before I actually had the funds. I pursued the company through the legal realm and they never responded to multiple letters. They actually withdrew my first payment on the day I received the loan deposit! Then they did not factor this into my payment schedule and would not adjust my loan payment dates, I contacted them SEVERAL times about this, yet they refuse to do anything about it. The conversations were demeaning to me. They made threatening and harassing phone calls to my co-signer which caused my character to me defamated. They also took my money after making a large lump sum payment during the Covid-19 lockdown that was supposed to stretch out over 3 payment cycles and by mistake added to my principle balance so it looked as if I was not paying on time during this time, when I was clear the payment was for the next 3 payment cycles. I talked it over with them several times, yet they have NOT corrected this on my credit. It is very hard to get in contact with the department who handles any of their credit reporting, they do not receive direct calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Property was sold and closing occurred on XX/XX/2020. Final Payment of loan balance was paid to PennyMac on XX/XX/2020. PennyMac has not issued a check for a refund of escrow account. I have contacted PennyMac customer service 3 times, and in all occasions I was informed that a check would be sent on that same day ( meaning previous phone calls never triggered a check to be sent out ). 
I have run out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
i had made a payment to settle the account and it was to be deleted from my credit report and not only was it not removed it still shows a balance of 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 2020-12-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
i had made a payment to settle the account and it was to be deleted from my credit report and not only was it not removed it still shows a balance of 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 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Credit line opened under my name unknowingly. I did not open up a credit card with merchant ( Home Depot ), nor did I ever have any line of credit with merchant, I checked my credit report and notches issue. I was a victim of identity theft and I want this issue resolved immediately. Thank you.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a member with Citibank for four ( 4 ) years with multiple products ( checking, savings and credit card ). Within these four ( 4 ) years with Citibank I have been a stellar client ; having never been late on a payment and keeping my utilization low. I was a big fan of their Double Cash Back card and recommended this card to many friends. However, Citibank has drastically reduced my credit limit from {$11000.00} to {$300.00} for no apparent reason. I received a new line of credit ( that was not a Citibank card ) that I needed to use the full balance on. My current Citi card had a {$0.00} balance. Citi reduced my limit and stated that I had 60 days to dispute/correct my credit report ; which I continuously did for those 60 days. I drastically lowered my utilization on that new card from roughly 90 % to roughly 15 % within that 60 day timeline. I have never given Citibank a reason to question my payment history or be deemed a high risk client. This lender having stripped my credit limit so drastically has me feeling stripped of a four ( 4 ) year relationship as well. Obviously I am an individual who is actually concerned with their credit score and understands its many factors. I completely understand the how the pandemic has affected others from paying their cards, however I obviously see that I am just a credit score number rather than an actual client for the past ( 4 ) years. If Citi saw any reason to be concern, could I have not been granted a " warning '' or be given 60 days to correct the balance BEFORE the credit limit dropped. This would have been done out of courtesy to save face that clients are not just another number to these institutions. I constantly stayed in touch with the representatives to keep them updated and truly build a rapport and more than once, on many different levels, I received conflicting messages that failed me as a customer from the representatives mentioning pulling from credit bureaus that differed from their correspondence. If I corrected the action within the 60 day timelines as instructed, why may I not receive my limit back? Needless to say, for those individuals who do understand that the purpose of credit is to also use it, I was punished by Citibank for doing that exact thing and paid down my utilization by over 50 % in 60 days, during the same pandemic that made you deem me a risk. I will not close the card obviously, because of the credit history, but no worries Citibank, I have removed all my other products from your institution.

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