vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I purchased an {$89.00} voucher for a XXXX XXXX restaurant from the XXXX XXXX. When that restaurant closed due to the XXXX crisis I requested a refund for that voucher. Initially XXXX refused to issue a refund, so I asked Capital One to put a hold on that transaction while it was disputed. They put a temporary hold on the charge on XX/XX/XXXX. I then recontacted XXXX, and they agreed to refund the full amount. They did so, and onXX/XX/XXXX, they credited my original credit card with the full {$89.00} amount. They have even provided the transaction number XXXX. 

Unfortunately, this credit never showed up on my credit card. I tried to call Capitol One to find the transaction, but www on hold for nearly 3 hours. Meanwhile, on XX/XX/XXXX, with no explanation, Capitol One rebiller the {$89.00}, but without adding the {$89.00} credit from XXXX. So I am again down {$89.00}. When I called Capitol One to ask why, they told me that XXXX had refused to refund me because my refund was not eligible ( that phone call took 2 hours ). I called XXXX back, and they reiterated that they had indeed refunded the money, and reconfirmed the transaction number. I send the transaction details to Capitol One, but received no response. On XX/XX/XXXX I received a written notification from Capital One that my dispute had been closed because I had received a credit for {$89.00} on XX/XX/XXXX. That credit was from a completely different company ( XXXX ) and had absolutely nothing to do with this transaction. I called Capital One again, and they told me I would get a credit, but when I asked for dates and times, retracted, and said it would be under further evaluation. I asked to speak to a supervisor, who told me yet another story, that I had received a voucher from XXXX ( I haven't, and XXXX deny this ). I asked to escalate my claim and was told she was not authorized to provide any escalation information. At this point, I have spent 5 hours on the phone, several months, have 4 completely different explanations from Capital One as to where my money is ( none of them correct ), and am beyond frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
It is becoming a consistent issue that I am having with linking XXXX to my bank account. There have been multiple times when I have tried to make a payment on XXXX and it tells me that they're unable to link to my bank, even after I enter in my password and verify my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: GA

Complaint narrative:
I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: MI

Complaint narrative:
A fraudulent credit card account was opened with XXXX XXXX Bank on XX/XX/XXXX. I tried calling to dispute the issue and I disputed it twice with the credit bureau. Instead of removing the account, they responded to the dispute as being an accurate account eventjhough it has been disputed as XXXX and not my account. XXXX XXXX continued to report late payments and on XX/XX/XXXX the account was marked as charge off on my credit report. This has negatively impacted my credit report. XXXX   XXXX is aware that I did not open this account and refuses to remove it.

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 2020-06-03 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: I.C. System, Inc.
State: CA

Complaint narrative:
OnXX/XX/XXXX I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. IC systems was one of the agencies and XXXX XXXX XXXX  XXXX XXXX was the other. I spoke with XXXX XXXX at IC systems and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted XXXX XXXX  who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. IC systems reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying XXXX XXXX. I sent proof of all my payments to IC Systems. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from XXXX XXXX did not happen. I called them and they told me that IC systems was taking over the account and to contact them. I called IC systems to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to XXXX XXXX. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX XXXX XXXX  themselves never reporting me as delinquent, and now IC systems has proof that as of XX/XX/XXXX, I made all my payments on time to XXXX XXXX I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person aXXXX XXXX XXXX XXXX  to discuss 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 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
This is in regards to the CARES act, student loan deferrment, and how my student loan provider affected my credit score while I was in the process of buying a car. I bought a new car XX/XX/XXXX. I had started looking a week before. I recieved a sub prime rate due to my score dropping 30 points because my student loan provider great lakes made inaccurate comments on my credit report. I have proof that shows the decease in my score as a result of my student loan provider. My credit score was dropped by great lakes XX/XX/XXXX, my credit was run XX/XX/XXXX and the car was purchased XX/XX/XXXX with the orginal score that was pulled XX/XX/XXXX. I also have proof of this from the dealership I purchased the car from to show the score used for my financing. On XX/XX/XXXX I see my credit score go back up to where it was before great lakes reported my loans as deferred. I have tried to contact great lakes and they tell me I should contact the credit bureau agencies as they have fixed the issue. I offered to show them proof of my claims and that was dismissed. I'm already poor and now I'm paying thousands in extra interest because my student loan provider had bad reporting on my credit report for a week. They've admitted they had inaccurate reporting but they will not admit that I was directly affected, please I hope you can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
MULTIPLE OCCASIONS WHERE SYNCHRONY BANK CHARGES FEES IN EXCESS OF {$39.00} FOR A LATE FEE. I ALWAYS PAY MORE AND ON-TIME AND DURING THE COVID 19 PANDEMIC SYNCHRONY BANK CONTINUES TO NOT HAVE ANY COMPASSION FOR THEIR CUSTOMERS.

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 2020-06-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX customer service contaced XX/XX/19 to reissue new card in an account that has {$7500.00} balance. 
Told card would be reissued and to me by XX/XX/19. 

Called XXXX to verify as I'm losing my home and no money to eat to find card wasn't sent even due to a block. 

Told I'd get emergency transfer. A call within 24 hours and no response. Bank of America has had every employee lie and still not giving me access to my XXXX paid to me in my 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 2020-06-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was assuming a XXXX  XXXX XXXX lease for 10 months. The lessee was offering an incentive and covering application and processing fees for lease transfer. He paid {$540.00} fee and sent me proof of payment and application link. 

A short while later I submitted my application to BMW financial and was also charged {$540.00}, for double payment. My application was denied minutes later but somehow they were still processing both payments. Why would I pay for tax and licensing This is an illegal business practice and fraudulent based on their contract. 


BMW Financial terms and conditions for Lease assumption, all account must have a minimum of 6 months remaining on the lease. 
- A {$500.00} Assumption Processing Fee, plus any applicable state sales tax, must be paid prior to the submission of the credit application. The payment can be made through the application link below. BMW Financial Services will accept payment in full by one party only. Partial payment will not be accepted from either party. 
- If the assumption is cancelled before completion or if the Transferee ( Applicant ) is not credit approved, BMW Financial Services will retain {$100.00} plus applicable state taxes as a processing fee. The balance of the Assumption Processing Fee will be refunded. 
- A credit application may be submitted only by email from the Transferee to BMW Financial Services.

- The Transferee must be credit approved by BMW Financial Services using the following link : https :  /XXXX   XXXX - The account must be paid current to begin the Assumption Process and must remain current at all times for the assumption to be completed. In addition to the monthly payments, this will include paying all charges billed to the account in addition to the monthly payments such as personal property tax, late charges, parking tickets, administrative fees, and any other charges that are not paid. The XXXX should resolve with the assuming party, any payments or refund of monthly payments made prior to transferring the vehicle. BMW Financial Services will not prorate any payments to either party made on the account.

- The vehicle must remain in the Transferor 's ( current customer 's ) possession and on his or her insurance policy until notice is received by email and / or United States Postal Mail from BMW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-06-03 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: CA

Complaint narrative:
I requested to have statement closing date or billing cycle ie. date statement is generated changed to the 1st day or beginning of the month and i got many repeated explanations mainly change day bill is due and i told them i do not care when it is due i wont to chance day when charges are computed and bill is generated and mostly i was told due date can be changed to be due dated approximately a 7 day time period repeatedly my request to change statement ending date to end of month or new statement period to begin the 1st was ignored.

Currently it is set to the 4th of the month. 

Why wont Citibank change the statement closing date to the XXXX of month? 

I called and spoke with manager XXXX on XX/XX/2020 XXXX PST and she would not help. 

XXXX told me it could not be changed in any manor. XXXX XXXX affirmed refusal to change statement closing date ie date charges are computed. System will not allow to change date bill is due which will change statement due date to date earlier than what is already set. only dates available for due date is 1 to 22.

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 2020-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
My loan was transferred to BSI Financial on the XXXX of XXXX. XXXX XXXX turned my auto pay off and I now need to make my payment for XXXX in the amoun tof XXXX. My loan account with XXXX XXXX is XXXX. I can not get anyone on the line to make payment to BSI Financial. I have had auto pay on this since I got the loan and never had a late payment. 

The only time I was able to get them on the phone was Wednesday XX/XX/XXXX at XXXX XXXX. The lady was very rude and told me it would be 45 days until my account was setup ( which would put me 2 months behind ) and possibly foreclosed on. I was trying to setup payment early and was told I COULD NOT. 
I am also a XXXX XXXX XXXX veteran and asked that they remove taxes from my loan as I am no longer required to pay them in XXXX County Florida and offered to provide them the notice from XXXX County showing I am property tax exempt. They would not remove my taxes or take that information over the phone. 

I am unable to setup an online account. I am unable to make a payment. I am unable to get someone to call me back so I can find out to where to make a payment. They do not directly answer their phones. This is a VA loan not a standard mortgage and I will be seeking an attorney if they do not remove the property taxes from my monthly payments, and releases the escrow that I am due. I can't even make a payment and I have to submit this ahead of time as payment is considered late on the XXXX of XXXX at no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: GA

Complaint narrative:
I recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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/2020, I was charged a {$25.00} late fee to my credit card issued by Citi. This was due to the fact that I had a balance of {$37.00} on my card at the time. Because of the global pandemic caused by COVID-19, I had to worry about the safety and health of my family first. This led to me forgetting to submit a payment to my Citi card. Prior to this, I have never missed a single payment with Citi. I have tried to speak with 4 different representatives at Citi - both through phone calls and online chat. All 4 representative denied my request to waive the {$25.00} late fee, even during a global pandemic. This reflects on the company as a whole and shows that Citi has such awful and disgusting morals. The fact that they refuse to waive a one-time {$25.00} late fee shows their horrible ethics. I have since already made the minimum balance payment so that my account is already current and up-to-date, yet I still have not received any assistance.

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 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
First, my issue is not covered in the above selections. 

I'm attempting to get my overpaid property taxes back from my recent mortgage refinance. Amerihome paid my property taxes to XXXX XXXX, after I asked them not to, and AFTER I had already refinanced with another company ( XXXX XXXX ).

My double payment was required at closing, even though I had paid my property taxes to Amerihome ( {$1300.00} ).

It has now been 49 days since this double payment was made. I communicated with Amerihome, but they intentionally prolonged me receiving funds simply because they can. There is no recourse for their actions. 

XXXX XXXX refunded my double payment to Amerihome back on XX/XX/XXXX. They have kept my money for 40-45 days and have made no effort to contact me via email, phone, or mail. 
They also paid my escrow late and were dinged {$49.00} ... which I'm sure I paid somehow. 

Now they say it will be another 10-14 days of processing ... in addition to mail time. So, another 14-21 days. This is criminal. How are they allowed to do this? To keep my {$1400.00} for 2
-3 months and pay it back whenever they choose.

If their customer is one day late their credit is dinged and late fees are assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc.
State: WA

Complaint narrative:
We were looking at option to refinance, and Global Equity Finance through XXXX XXXX called me. It's funny that before even give me estimates, he already asked for personal documents which he reasoned is how they do it so he can quote me a good rate. 
I did submit them. I was given Loan Estimate twice. I said we are ok with the rate and we can proceed. 
Simultaneously I was dealing with another mortgage companies. he offered me a rate slightly higher than what Global Equity Finance offered. I could not pass offer of Global Equity, thus, i declined this.

We waited until after the memorial day weekend, and has been following up, only to find out that the person we were dealing with was terminated.

Because of the promise that was given to us, we missed other opportunities. We told them about the offer and showed to the new loan officer, and we were just told that we had a good offer, and then nothing! 
How would we know we are dealing with crooked loan officers? where is the check and balance there? How about the opportunities we lost!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: GA

Complaint narrative:
I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.

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