vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ITS BEEN 60 DAYS AND I HAVENT RECIEVED CORRESPONDENCE FROM EQUIFAX. I AM SUFFERING CAUSE THESE INACCRUCIES ARE BEING REPORTED ON MY CREDIT. EQUIFAX NEEDS TO FIX THIS PROBLEM ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have this account that was suppose to be with 0 % in paid off at a certain time. The interest rate and fees was different that I supposed when I purchase some items. 

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card line of credit has been reduced.

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 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
In XXXX of XXXX, I was involved in a very serious, traumatic car accident for which I am surprised I made it out alive. My insurance company at the time, XXXX XXXX XXXX, failed to deem my XXXX XXXX XXXX XXXX totaled because allegedly I had a payment retracted from them from XXXX. Not only was I not made aware of this, there are several other issues for which XXXX never tended to : 1. I sent SEVERAL faxed messages to verify that XXXX FULLY covered my vehicle due to it being financed for which they failed to respond to. I gave my lawyer from XXXX, XXXX XXXX XXXX the faxes to verify that these corresspondces did in fact occur. 

2. I was told in XX/XX/XXXX that XXXX Auto Insurance DOES NOT offer full insurance in my area. By failing to explain this, or responding to my inquired mentioned above, XXXX prevented me from obtaining insurance from a different company that could cover the vehicle fully. 

3. Being told that the vehicle was FINANCED through SEVERAL faxes, XXXX failed to contact Ally Financial to mention the vehicle was covered by them. 

4. Through several EMAIL messages on Ally 's client portal AND phone calls, I inquired about insurance SEVERAL times with no response/answer that deemed my vehicle not to be covered correctly. 

5. Even though my INSURANCE COMPANY should cover the expenses from this accident, ALLY 's contract states that FINANCED or LEASED vehicles w/o proper coverage will be subjected to automatically being covered by THEIR insurance policy for which the customer must pay for. This should be implemented IF XXXX 's lies and fictitious claims are allowed to occur. 

6. Between Ally and XXXX 's illegal tactics, lies, and straight refusal to settle the claim has caused the GAP INSURANCE company not to be able to payout the difference owed. 

7. I never received a Policy Declarations page until my lawyer demanded on in XXXX of XXXX, after the accident!

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 2020-05-07 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: CA

Complaint narrative:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.

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 2020-05-07 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: CA

Complaint narrative:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE COMENITY BANK REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hi, On XX/XX/XXXX I had 4 payments posted to my Visa Credit Card that were not made by me. {$930.00}, {$1.00}, {$1000.00} and {$5.00}. I mailed Visa a check for {$50.00} and another one for {$100.00} to go towards my Visa balance and that posted on XX/XX/XXXX as well. Wells Fargo is saying that another customer somehow made payments to my Visa account via check/mail from their checking account, but this isnt making any sense. They mailed me a refund check for {$860.00} because my account got messed up and they didnt know what was going on at the time. On XX/XX/XXXX the 4 payments not made by me were turned into Payment Reversals and the bank is saying I owe all this money back, with my current Visa balance totaling {$2300.00} ( that I owe that much $ ). I was not notified via mail on any of these matters by my bank after being reassured everything would be taken care of on their end. I was told I got a credit on my old Visa but that I no longer get a credit due to closing out my credit card and getting a new one per my banks request. No positive steps were recorded as taken by them, they went straight to Payment Reversal. Bank would not discuss this in person and on the phone were not helpful/nothing was resolved/was given no claim #. I called them multiple times for several weeks. Looking at my debit card account and Visa account none of this is adding up. I spoke to them on several occasions, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others and they keep saying I owe my total Visa balance.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
There is a balance of {$17.00} showing on my credit report but this had already been paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have filed disputes with Experian since XXXX of 2020, in addition I called XXXX dispute number. I was placed on hold 2 transferred and hung up on after being told someone would immediately update my errors in my Credit File. My Bank has submitted a XXXX balance for my loan through the XXXX XXXX XXXX XXXX, since XX/XX/2020. Experian reports that my balance is maxed out. In addition they are reporting that my credit card balance is XXXX dollars for the same creditor it is also XXXX and has been for over 60 days. This is impeding my ability to obtain a home mortgage a negatively impacting my FICO score and debt to income ratio. In addition there is an duplicate entry by a debt collector for XXXX dollars that was previously deleted, the debt collectors name is XXXX XXXX XXXX. This was previously deleted from my credit report as it was paid in full to the original creditor, XXXX XXXX  Hospitals. I never received a bill. and The original creditor withdrew the debt, yet Experian continues to report in on my Credit report. I am requesting the information be immediately deleted from my report for XXXX XXXX XXXX and the correct balances be updated on 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 2020-05-07 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 recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

I sent your bureau a dispute letter in regards to these accounts on XXXX asking that they be removed.. To date, I have not received an investigative results report. Please note that is a 30 day violations to date. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these two accounts liste under ACCOUNTS TO BE AMENDED to never late. 

I have a real estate transaction worth {$450000.00} being held up in escrow due to these negative accounts being reported on my file. I must close my real estate escrow by 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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a account ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this season of crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with 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 explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a complaint with the XXXX  regarding my Capital One/Walmart account because Capital One was failing to accurately report the correct balance, so in response Capital One chose to delete the entire account tradeline from XXXX  on XX/XX/2020. I called Capital One and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the XXXX  to make the correction when Capital One is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if Capital One went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and Capital One should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and Capital One will not cooperate with me as usual. I am attaching a copy of the dispute report from XXXX  to show the before and after to show that they in fact had my tradeline deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a Bank of America bank account of XX/XX/2020 after experiencing fraud on my XXXX account. XXXX suggested that since their investigation was going to freeze all accounts, I should have my paycheck ( paid on XX/XX/2020 ) deposited with another institution to avoid any issues. I went to Bank of America and opened an account that same day ( XX/XX/2020 ). I received my paycheck on XX/XX/2020 in paper check form since it was too late to submit a direct deposit change with my employer and deposited it with Bank of America. I called to check on availability of funds on Monday and they told me it would be 12 days to access the funds. 

I checked with my employer who confirmed the check had already been processed and the funds removed from their payroll account. I waited until XX/XX/2020 to allow the check funds to settle with Bank of America, assuming that once they received the funds, they would have no reason to continue holding my funds. I visited a branch at XXXX and XXXX in XXXX TX and spoke with a temporary manager of the branch ( XXXX XXXX XXXX ) who said that she could do nothing. I asked for her to speak with my boss who could confirm the check, my employment, the availability of funds, attest to the fact Bank of America already had the funds, and his inside knowledge from being a former XXXX XXXX. XXXX was rude and refused to speak to my boss after I authorized him to speak with her. She told me that Bank of America regularly holds paychecks for multiple days and to just wait the 12 days. I pleaded since I had no access to any other funds that I needed it to clear as soon as possible and she did not care. 

I then emailed the executive relations team at Bank of America with the same information I am relaying here on XX/XX/2020 near the end of business. I assumed that based on the urgent nature, they would reply but after 24 hours, I received no word from them and am forced to pursue this route.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I have one accounts with First National Bank of Omaha ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with 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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with the Experian regarding my XXXX XXXX/XXXX   account because XXXX  XXXX was failing to accurately report the correct balance, so in response XXXX  XXXX chose to delete the entire account tradeline from Experian on XX/XX/2020. I called XXXX XXXX and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the Experian to make the correction when XXXX XXXX is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if XXXX XXXX went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and XXXX XXXX should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and XXXX XXXX will not cooperate with me as usual. I am attaching a copy of the dispute report from Experian to show the before and after to show that they in fact had my tradeline deleted.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to access emergency funds that were outlined by the CA EDD within this webpage https : //www.edd.ca.gov/about_edd/FAQs_The_EDD_Debit_Card.htm Under the section on the webpage identified as More FAQs and the second bullet point with bold font it has the following : How can I get cash from my EDD Debit CardSM for an emergency situation if I dont have my card? 
Bank of America can assist you with a domestic emergency cash transfer if you need funds from your EDD Debit CardSM immediately and are still waiting for your card to arrive in the mail. Refer to Bank of Americas Schedule of Bank Fees page for fee information on  emergency cash transfers and other services. To request an emergency cash transfer, you must contact the Bank of America EDD Debit Card customer service by calling : XXXX ( voice ) XXXX ( TTY ) Collect at XXXX ( if outside the U.S. ) When I click the hyperlink within the faq it directs me to the following page. https : //prepaid.bankofamerica.com/EddCard/Program/Fee As I research the fee schedule and determine what I am looking to accomplish is outlined in the section named Get Cash in the US with the following verbiage Emergency cash transfer, domestic {$15.00} All emergency cash transfers must be initiated through the Prepaid Debit Card Customer Service Center . 

This is exactly what I am trying to accomplish but Bank of America is incompetent. I called on XX/XX/2020 to discuss my request. I was advised by the phone banker that they were unable to fulfill my request and I needed physically visit a branch to fulfill my request of emergency funds. I visited a physical branch on XX/XX/2020 and was advised they couldnt help me and I needed to discuss my request with the prepaid card customer service. I am being sent in circles with nobody taking accountability. Further I am constantly asked for my debit card which I do not have and waiting on hence my need for emergency funds transfer to my financial institution. What I am trying to accomplish is in writing then I am sure it can be done but the level of incompetence is astounding.

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