vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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: CITIBANK, N.A.
State: NM

Complaint narrative:
I have been a Citibank customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above XXXX however now it is around XXXX. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.

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 2020-09-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( 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, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C.
State: CA

Complaint narrative:
Paid off my debt with Brett Borland PC law firm a week ago I am still waiting for my proof that they were paid and confirmation email still was told I would receive it yesterday still Nothing. All this after they had supposedly lost my check for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I took an auto finance loan with Hyundai Motor Finance ( HMF ) in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with HMF, cashed by HMF, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and HMFs own records show that they were timely received. 

However, each month, HMF improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with HMFs payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. HMF hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, HMF has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. HMF has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence HMF will be able to appropriately manage and process payments going forward.

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 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I refinanced my mortgage that was held with Bank of America and closed on XX/XX/2020. Bank of America received the funds to close my mortgage on XX/XX/2020. Per 12CFR1024.34 ( b ) ( 1 ) Bank of America must issue a payment to refund my escrow account balance within 20 business days excluding holidays. As on XX/XX/2020 I have not received payment for my remaining escrow balance and Bank of America is in violation of 12CFR1024.34 ( b ) ( 1 ). 

I have tried to contact Bank of America about the issue but the customer service line places me on hold for multiple hours and when I have been able to get in contact with a representative they were unable to resolve my issue.

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 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Today XX/XX/2020 I received a Call From CCS Offices from Phone Number XXXX I told the guy I was at work he claimed he could't here me. He told me XXXX had but me in Collections for XXXX bucks give or take. I educated him I never Received an Action Notice or a notice how I can Dispute and told him XXXX  Owned me money. He said I'm not working for you! XXXX obnoxious guy I wish I would never speak to this company again. I do not want this on my Credit I been trying to pay all my bills and buy a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-09 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: NM

Complaint narrative:
I have been a XXXX customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above 800 however now it is around 760. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.

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 2020-09-09 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: TX

Complaint narrative:
On or about XX/XX/2020 I submitted a number of disputes on my Citi Credit Card ending XXXX totaling roughly {$87.00}. 

The transactions in question are transactions made by merchants which I have legitimate transactions with, XXXX and XXXX ( an XXXX company ). However, I began to notice some transactions that did not appear to match my purchase history with XXXX and XXXX going back over the two months prior and I suspect was occurring even further back. I submitted the disputes using their digital channel and received a request for contact roughly a week later to confirm I had the card in my possession which I confirmed over the phone. I also advised the person I was speaking to at the time that strangely I had been in contact with XXXX about another transaction that they already refunded me for and had advised me that there was an XXXX XXXX account my card was attached to. I believe perhaps this other XXXX XXXX account is where those fraudulent charges originated. 

A few days after that phone conversation I receive a letter from Citi indicating my dispute is closed due the use of my XXXX chip at a chip enabled card reader. Well, that isn't possible. The transactions I disputed as fraud were all online transactions therefore no chip reader possible. 

I attempted to resolve this issue today, XX/XX/2020 by calling Citi multiple times with no avail. Each time I spoke to someone they repeat what is on the letter even though I have explained multiple times that the transactions could not possibly be made at a chip reader and that whomever processed my fraud investigation did so incorrectly. Every time I called, I got disconnected. EVERY SINGLE TIME. Even asking to speak to a supervisor I got disconnected. After 3 attempts at phone contact and wasting 1.5 hours trying to get this resolved I gave up and am submitting this complaint. 

Citi makes it very difficult to reach them and have a conversation about a situation like this or to escalate to their management team. All I want is my fraud dispute to be handled correctly and my money returned.

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 2020-09-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/XXXX I sent proof to Chex Systems of the reporting error showing a different account closure date and different account balance. Their response was a confirmation of their original reporting, and a contact address for the creditor, which was incorrect. 
I sent a certified letter to the creditor with the same proof of the error I sent chex systems, but my letter came back as a bad address. The other address Chex systems listed for this creditor is also incorrect. I am not able to submit my proof to the original creditor and this remains an item on my chex systems report despite, me providing proof it is incorrect. 

This error is extremely detrimental, costing me jobs, loans and the ability to open a checking account. I need it fixed immediately. Chex systems has taken over 75 days to address this issue and it is still not fixed. 

The other party wrongfully reporting/verifying this debt is 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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always have problems with experian when ever I attempt to obtain a credit report. 
They keep some erroneous addresses on file for me, which in the past I have told them to remove, and they use these to block my online access to my credit report. 

I sent them a written request and they followed up with a copy of my report. ( XX/XX/20 ) They also included a pre-filled Dispute Form, which included an incorrect Date of Birth.

Their record of my date of birth in the credit report was accurate, but they were 30 yrs out on the Dispute Form. ( Is this regarded as " Close enough '' ) Is it reasonable to expect a modicum of accuracy from Credit bureaus like experian, or can that basically put whatever data they like both in personal files and also on pre-printed forms? 

In my experience, there would appear to be a lack of attention to detail, but possibly they don't really care.

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 non-monetary relief
Consumer complaint received 2020-09-09 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: WA

Complaint narrative:
I took an auto finance loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with XXXX, cashed by XXXX, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and XXXX own records show that they were timely received. 

However, each month, XXXX improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with XXXX payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. XXXX hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, XXXX has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. XXXX has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence XXXX   will be able to appropriately manage and process payments going forward.

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 2020-09-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( 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, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XX/XX/XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Carrington Mortgage Service, LLC is the servicer of my mortgage loan ( Loan No. : XXXX ; FHA Case No. : XXXX ). XXXX mishandled thirty-seven ( 37 ) partial prepayments on my mortgage loan made between XX/XX/XXXX and XX/XX/XXXX, all of which were made in an amount equivalent to, or  exceeding, the amount of the regular monthly mortgage payment then due and were received by Carrington on or before the due date for each monthly mortgage payment ( the first of each month ). The limited payment history available through the customer account portal on Carringtons website, which only covers the period XX/XX/XXXX XX/XX/XXXX, appears to show that Carrington treated at least  thirteen ( 13 ) of the thirty-seven ( 37 ) partial prepayments as advance payments on future mortgage payments rather than applying them to pay down the outstanding principal on the Note, as required by HUD/FHA regulations and policy, Paragraph 5 of the Note, and Carringtons own policy as stated on its Monthly Mortgage Statements. The remedy for this error in the treatment of my partial prepayments should be to put me in the same position I would be in had Carrington fulfilled its obligation to apply my partial prepayments to the principal balance on the loan and reduce future regular monthly mortgage payments. I have called and written to Carrington in an effort to resolve this problems, but Carrington has failed or refused to address my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a new mortgage with Wells Fargo Bank on an existing residential property in XX/XX/XXXX. 
Wells Fargo provided deliberately false and inaccurate information as to why the loan was denied. 

Several complaints were made to the resolution center at Wells Fargo and on two occasions they wrote and admitted that they had provided incorrect information in the disclosures about the reasons for the loan decline. 

Wells Fargo has failed to notify ME about any requests for reserves and instead used reserves as another reason for denying the loan after I challenged the reasons that they provided initially for the decline. When recognized that they did not follow guidelines for not approving the loan, they created a new one. 

The investigation in Wells Fargo has been ongoing since XX/XX/XXXX. 

Wells Fargo has engaged in discriminatory practice in the denial of this loan.

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