vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: CA

Complaint narrative:
A few weeks back, when I logged into my Citi XXXX points center ( XXXX ), I found that the total balance of the XXXX points is less than what I remembered a few months ago. However, after checking the point history, I could not find any point deduction activities listed. That's when I called the Citi bank customer service and asked for an clarification. I have waited a long time on the call and the customer service eventually came back and mentioned to me that XXXX XXXX  points ( which equals to ~ {$1600.00} in travel credits ) were forfeited from my account. However, she couldn't find the reason behind it and asked me to call back in a few business days. I did call again today and wait a long time before the customer service told me that he still does not have an answer, and the original request seems to be closed? I was so frustrated since this is a large chunk of points which I have accumulated over the years. I have been saving it so I can use them when I need it. Since he mentioned if I have closed any accounts in the past few months, I did a deep dive into my online account and found that one of my credit card ( ending in XXXX ) was closed 5 months ago ( XX/XX/2020 )! However, I did not request Citi to close any accounts for some time, and received no communication regarding this closure at all! It was in mid- XXXX and just the beginning of the pandemic. Everything was in chaos and I was moving from XXXX to XXXX during that time, which Citi can check in their system for my address change request. I was curious about the timing when Citi closed my account - is it related to the pandemic? I still have a job and was considered risky? What made me frustrated and being deceived is that there was no communication and the only way I found it today was through the communication center inside my online account. This is totally unacceptable, and should not be the way Citi treats its customer. I have been with Citi for 7 years now and never missed a payment. I had that card for more than 5 years and all the XXXX XXXX  points were accumulated one by one when I was trying to save for my dream vacation! I felt so XXXX  and would like citi to reinstate my account ending in XXXX and restitution of all my XXXX  points. 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 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i put security freeze on my credit report now when i try to remove it no way to do it no answer from company just auto phone message that runs you in circle no person to talk to way to do on their website so no where to get loan approval this should be illegal called and tryed on website numerus times XX/XX/2020 see lots of complaints about same thing on their XXXX  page experian is a joke should be put out of business

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX XXXX sent our balance to Monterey Financial Agency LLC for  collecting the balance. the balance amount every month keeps going up, when I asked the rep at the agency they told me it's my interest rate that incurs interest daily according to my contract. i asked them to send me the balance they received first from XXXX XXXX and they did, after carefully explaining to them what they were doing wrong, which was extremely hard because they would not even let me talk and cut me off and get very defensive on the call and loud. I talked to their manager and explained they were charging me double interest, the balance already had an interest in it and the manager on the phone  said " made sense '' and she said she will do some digging and get back to me regarding the issue but she never did. this collection agency is deceptive and robbing people every day. they are cheating their clients and charging whatever they feel feasible. they shouldn't even be allowed to do business at all in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX, I sent a notification to the Credit Bureaus regarding accounts that I don't owe or recollection. I asked to verify. I also contacted the companies reporting. Since XXXX no information has been given from XXXX  or Transunion. 

This account was Verified as Accurate. My question is, how is this account verified as accurate when, it's not accurate and I do not owe nor has XXXX sent information regarding this account. 

XXXX  still lists this account AND they have the account listed twice as Duplicate, which is a blatant error and violates Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
My mortgage was with The Money Source Inc. Before I had even  made my first payment the sold the mortgage to XXXX XXXX . I  was made aware of this change XX/XX/2020 and my first payment on the loan is due XX/XX/XXXX ( 3 days notice ). I would like to report that his is in clear violation of the National Affordable Housing Act which requires at least 30 days written notice of such a change. I find this to be unacceptable due to not having adequate time to investigate my rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Had a auto loan with Bank of America for over three years no late payments fell ill got behind a few months on loan so I paid the past due on on the scheduled due date of XX/XX/18 on the statement that the bank sent so the account charged off on XX/XX/18 call a rep XXXX XXXX she advised me that money would not be accepted and applied to the charge off account only

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a new vehicle in XX/XX/XXXX and financed through Ally Financial. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP claim immediately and communicated with all parties. 
I was sent a bill from Ally Financial for {$760.00} in XX/XX/XXXX. Working with the GAP insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with Ally Financial and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I  communicated with Ally Financial numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from Ally Financial assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX, DATE OPEN XX/XX/2014, BALANCE {$60000.00} THIS DOES NOT BELONG TO ME. INCORRECT INFORMATION ON CREDIT REPORT. NEEDS TO BE REMOVED. THIS INFORMATION IS BEST TO MY KNOWLEDGE. THIS IS A FTC VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX credit card that I did not use very often. I notice that I owed around {$80.00} and as soon as I saw it was due I paid it 1 day late the full amount and paid off the card. I get a statement weeks later for {$31.00} in late fees which is ridiculous and a rip off. I called them to let them know I paid the card off and I do not want to pay a late fee for a payment I made a day late. They offered to deduct {$15.00} of it and I told them I did not want to pay any of it. Again, they told me that XXXX XXXX isn't offering any negotiations and the best they can do is deduct  {$15.00} of the {$31.00}. I told them again, I do not want to pay for air and I should not have to pay for this fee since XXXX  XXXX is no longer. They put me on hold for about 5- 10 minutes and hung up on me. I called back right away explained again, the situation and they stated they could not do anything about it. I asked about the {$15.00} deduction and now that doesn't exist. They told me that is not an option. I told them they are ripping me off and I refused to pay it. I received another statement for {$64.00} and again, I called them to discuss this, they put me hold and hung up. Meantime, they have been calling me 3-5 time per day for the  last two weeks and I am also complaining harassment over {$31.00} for nothing!!! Now {$64.00} in interest fees again for nothing!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 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: IL

Complaint narrative:
In XXXX XXXX  XXXX XXXX charged off an auto loan which became delinquent due to deceptive practices. In XX/XX/XXXX the creditor, XXXX  XXXX XXXX, sent me a 1099-c document of Debt Cancellation/Forgiveness of the account. They have since continued reporting the account as a Charge Off instead of accurately reporting the account as Cancelled/ Forgiven. I have contacted the creditor and the credit bureaus and they each refuse to update the account to reflect accurately as a cancelled/forgiven debt or complete removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, DATE OPEN XX/XX/2014, BALANCE {$60000.00} THIS DOES NOT BELONG TO ME. INCORRECT INFORMATION ON CREDIT REPORT. NEEDS TO BE REMOVED. THIS INFORMATION IS BEST TO MY KNOWLEDGE. THIS IS A FTC VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I purchased my vehicle from Hyundai on XX/XX/XXXX. I moved to XXXX  from XXXX  and registered my car. 

I log into my account to make my payment for XXXX and see an amount due triple my normal car payment. 

I called Hyundai to find out what was going on. I was advised that I have to pay taxes for the state of XXXX   since moving.

I understand that I have to pay the taxes for XXXX. I am asking for help. We're in a pandemic and Hyundai advised me they can not make payment arrangements for lease consumers. I have been able to make my payment every month during this pandemic. I can not afford to pay {$900.00} in taxes by XX/XX/XXXX. 

Hyundai refuses to help, they will not even split the payment up. I did not receive a bill or notice of this tax amount needing to be paid. Nor it is on my monthly statement. So now I will lose possession of my vehicle because I am the only person paying bills in the household. I don't have an extra {$900.00} for taxes. I would appreciate being able to make this payment split into a monthly payment or over the remaining duration of my lease. 

It not fair that when I purchased this lease I advised to the salesman that I would be potentially moving to XXXX. He never advised that I would have to pay additional taxes in another state. I paid taxes up-front for the state of XXXX. This is unfair, I have been advised I don't qualify for help because I am leasing the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX I was sold an XXXX XXXX XXXX XXXX from XXXX XXXX XXXX under fraudulent, also illegal business pretenses  XX/XX/XXXX several issues very costly issues started to manifest with the vehicle. I contacted Americass Car-Mart the XXXX, Alabama A memorial location where I had purchased the car the electrical system, the engine, the transmission, the good release cable, the radiator, and last but not least were some and many more issues. After getting the run around from the company for three weeks finally. XX/XX/XXXX the date I was to make my first payment they told me to come in to the office. still to no avail after being threatened I have the evidence to corroborated, and explain in better details all the XXXX ill and fraudulent activity of the company. Now after 15 + attempts to fix the under warranty issues I'm out of XXXX loss of wages in addition to out of pocket cost that I had to stand on the vehicle that is still not repaired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/2020, I signed for the credit card relief act with Chase. At that point I only had only missed payment on my record with them. My payments were suspended from XXXX 2020. XXXX I made a payment even though not required in the amount of XXXX. XXXX I made two payments totaling XXXX. My history that JP Morgan Chase is reporting is 5 times 30 days lates which isnt remotely accurate or possible. I cured the late from XXXX. XXXX was XXXX dollar payments yet I made a payment in the amount of XXXX. I would like Chase to immediately correct what they have been reporting to all three credit bureaus. My next course of action will be contacting an attorney for legal representation to file a small claims lawsuit. I like Chase for the most part yet this is ridiculous and erroneous and not to mention was not part of the credit care relief act enacted this year. Once the late was taken care of. All payments were suppose to be reported as current. Which has been the case.

Company response to consumer: Closed with explanation