vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Since Friday XXXX XXXX I have been unable to access my account online or on the phone, I can not see my balance or pay my bills. I have spent hours on the phone with customer service who have told me conflicting reasons such as a platform upgrade, a decision to no longer offer online banking to escrow accounts, and a service interruption At no time was any notice given and the inability to receive a clear explanation as to what is going on is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-09-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

XXXX XXXX own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

XXXX XXXX is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.

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 2020-09-01 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: AL

Complaint narrative:
On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-09-01 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:
XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased airline ticket from XXXX XXXX on XX/XX/XXXX for {$240.00}. 
XXXX XXXX airline cancelled my flight and refused to issue me a refund. 
I opened dispute with Citi Cards on XX/XX/XXXX. 
On XX/XX/XXXX Citi closed the dispute sending me this communication : " '' '' '' '' '' '' '' '' '' '' '' '' '' '' Citi ( R ) Cards XXXX XXXX    XXXX XXXX XXXX, SD XXXX This letter concerns the transaction described below made with card number Date Amount Description XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX   XXXX NY We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. We apologize for any inconvenience this may have caused. 
We regret that we are unable to assist you in this matter. 
" " '' '' '' '' '' '' '' '' '' '' '' '' '' The problem is that I never receive the communication Citi claims they send to me on XX/XX/XXXX in Noticed and Letters section of citi.com about this particular dispute. 
Even now if I check Noticed and Letters section of citi.com, I don't see the letter Citi claims they have sent to me on XX/XX/XXXX. Strangely, I see 3 letters for other dispute sent to me on XX/XX/XXXX. These 3 letters seems to be copies of each other. None of these letters mentioning the dispute I have a problem with. I think Noticed and Letters section of citi.com has a glitch. I've send video recording and series of screenshots demonstrating this problem to Citi without any recourse from their side.

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 2020-09-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In XX/XX/XXXX I applied for a savings account with XXXX XXXX XXXX and in the denial letter it referenced it was based on information from Consumer Reporting Agencies XXXX and XXXX XXXX. I requested my report from these companies but didn't see what the problem was. In XXXX I applied for a savings account with XXXX XXXX and XXXX and was denied by both. They both relied on XXXX XXXX   and XXXX stated that my score was XXXX based on a range of 100 to 899 which was a shock. 

I obtained my report from XXXX XXXX which was easy to read and the only problem was that there were 16 inquiries in the last 3 years by Synchrony Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. These were also on the XXXX XXXX report. 

I have a savings account, 14 active CD 's and CD 's that have matured with Synchrony Bank. What I didn't know was that every time I purchased a CD an inquiry was sent to the Consumer Reporting Agencies and that is viewed as a major bad thing to have so many inquiries by banks I was attempting to open a savings account with. 

I contacted XXXX XXXX and was told that the best way to resolve my problem was to contact Synchrony Bank and request that the inquiries be removed. I called their help center and was told that they had to do the inquiries because of the Patriot Act and that that was the way it is. 

I then wrote a letter on XX/XX/XXXX to Synchrony Bank explaining the situation and that I could no longer open bank accounts because of their inquiries and asked them to remove them. 

Today XX/XX/XXXX I received a phone call from XXXX XXXX at Synchrony Bank Complaints Department and I discussed with her the problems these inquiries were causing and even though I had done nothing wrong I can no longer open bank accounts. Her reply was they could not remove the inquiries because they were bank procedure. When I told her these inquiries were no longer needed by Synchrony Bank her reply was that they wouldn't remove them again because of bank procedure and if they did it for me they would have to do it for everyone. 

Please note because my wife is listed as co owner of the savings and CD 's she has the same Synchrony Bank inquiries at the Consumer Reporting Agencies.

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 2020-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Incorrect loan transfer amount : My loan was transferred on XX/XX/20 from Planet Home Lending to XXXX XXXX XXXX. They transferred {>= $1,000,000} but the transfer was {$230.00} short ( image attached ). Planet Home Lending show an additional disbursement was transferred to XXXX XXXX XXXX for {$230.00} on XX/XX/20, but XXXX XXXX XXXX has never received it. I have sent numerous emails to Planet Home Lending since XX/XX/20 ( attached ) as well as called numerous times too. The emails are being ignored and the person on the phone always tell me it will be taken care of but nothing happens. 

I am very disappointed that my money has disappeared and Planet Home Lending does nothing about it. 

Please can someone help return my money as Planet Home Lending seems not to care. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

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 2020-09-01 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: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

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 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On or about XX/XX/2020, I purchased an item from XXXX. I paid for the item with my debit card via the merchants XXXX account. Because the item was shipped from over-seas, it took some weeks to receive, then I needed to purchase specific batteries for the item which took another week. After getting the batteries, the item did not work. 

I contacted them company listed inside the box in reference to returns or other issues. After about 30 minutes, they denied even selling me the item! Even though I gave them the order number and the email that THEY sent a confirmation of the order too! I also contacted XXXX who after about 4 days of messages back and forth, told me to contact my bank because they could NOT find the transaction either, so ... We contacted our bank, CapitalOne. The story gets worse from here. 

Fast forward to today ... CapitalOne has informed us that the case is closed, DENIED and in no uncertain terms, accused of us being LIARS about this whole issue! Capital One has told us the only way we can get a reversal is to " have the third party send to them on their letterhead that they sold us an item that was broken ''. WHAT? They wouldn't acknowledge the sale, you think they'd admit they sold us a broken item? 

To be clear, we sent in EVERYTHING to prove everything we was contending. Proof of purchase, proof of contact and our due diligence, and contacting XXXX and following their instructions. CapitalOne has literally forgot about their responsibility of consumer protections!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ME

Complaint narrative:
I pay my local taxes o my mortgage company, who holds them in escrow until they are due. Typically this is in XXXX and XXXX. I have not had issue with tax payment in over 8 years since I purchased my home. On XX/XX/2020 I received a notice of lien on my property for non payment of the XX/XX/2020 tax payment. I immediately contacted my mortgage company who requested to have a copy of the lien notice email to their payment research department. They indicated the payment had been sent in XX/XX/2020 and provided me the check number. I sent the document that day. After no response I emailed the payment research email address again on XX/XX/2020 after confirming with my town office they had no record of payment. After again receiving no response on XX/XX/2020, I emailed again and called. I was advised that it was still in research but they would escalate the request. On XX/XX/2020 I spoke with a supervisor after receiving my annual escrow statement which contained a check for overpayment. The supervisor advised me to cash the check and make an escrow only payment. I advised I would not do so as this would not resolve the tax issue. She agreed and advised would again escalate the issue and promised a resolution by the end of XX/XX/2020. She advised the lien would be lifted and my credit report would be corrected. She promised a phone call by the end of the following week. On XX/XX/2020, after no phone call, I called the company again and spoke to a member of leadership, she determined that the check sent in XXXX was returned to the mortgage company by my town office. We conferenced in my local town clerk who had no record of a check being received much less returned. They exchanged contact information and I was again assured by the mortgage company that I would receive a follow up call and full resolution within 7-10 days. XX/XX/2020 I called my town office to discover no payment had been made and there had been no contact from the mortgage company. I called them again and spoke with a supervisor who told me tax issues can take time. I was advised there was nothing more that could be done, they would research and call me back. I voided the check for overpayment and sent a photo confirmation to the payment research email address as instructed by the supervisor I spoke with on XX/XX/2020. My XXXX has dropped over 20 points, my property still has a lien, my taxes are 8 months past due and I have spent countless hours getting absolutely nowhere.

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 2020-09-01 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow Navient manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, Navient reappears again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AZ

Complaint narrative:
XXXX continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow XXXX manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, XXXX reappears again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I have been behind on my payday loan for more than 30 days along with a flex loan. Things happened such as car repairs, family emergencies and XXXX problems that made paying on time just impossible. I get letters to call this collection lady but she never returns my calls. I want to work something out but it's hard to do when they ignore you. Ive had good payment history with all my Bill 's till recently so this wasnt done on purpose. I've even tried to go in and pay on certain days and before the date arrives they run the checks and flex payment thru the bank. I've been charged XXXX in overdraft charges that could have been prevented if they had held up their side of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: MI

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EXPERIAN 1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY. 

For XXXX  1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX  XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had a loan with Hyundai Motor Finance, on XX/XX/2020 my 0 % loan payoff amount increased from {$13000.00} to {$14000.00} after a {$50.00} payment. The payoff amount should have lowered to {$13000.00}. This caused an over payment of {$470.00}. I noticed the error on XX/XX/2020 and have called over 15 times. I have spoken with many representatives, supervisors, and managers in which they all see the issue and claim to send information to their payment processing division. I even purchased a new car from XXXX XXXX XXXX they agreed that I was over charged by at least {$470.00} by Hyundai Motor Finance. The dealership called them directly as I was purchasing a new car and I did not want to fully pay off the load until this was addressed. However, after the dealer called on my behalf I was assured that once the loan was paid off that HMF would refund any overage. That did not happen so I again reached out to HMF. I called for the last time on  XX/XX/2020 and was told essentially I am out of luck as only the payment processing department can help and there is no way for me to contact them directly. The manager stated because I paid off the loan due to my trade in, all he sees is that the loan is satisfied and there is nothing he can do. This is extremely distressing and I am lucky enough to have caught the mistake as I am sure some people may have never caught it. However, no one with HMF Financing is able to address the issue. They even stopped  providing a payoff amount after I began complaining which makes it even more upsetting. Who knows how much money I am being overcharged.

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