vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T can not provide the charge-off reason or history of payments on a loan they say I still owe from XXXX. The original loan was made at Bank XXXX in XXXX which I thought was paid off. I was made aware of the loans existence when my insurance claim check had this banks name on the check as a Second Mortgage in XXXX. It took me several years to get the claim with the Insurance company resolved after water damage in the house in XXXX. We did not have the money to make repairs and then try to get reimbursed. I am a school teacher without the time to make more calls and be on hold for hours anymore. We have 4 boys under 16 now. 

Many trips and several hours to BB & T branches that were not able to help or to sign the check. They offered to take the check and keep any that would be required to pay off any possible loan before signing the check. I did not leave the check, what if they took it all and I could not repair my house. They could not find any accounts in our name at all. I have not received any letters or phone calls from BB & T until after we called them in XXXX. 

I finally called the President of BB & T in XX/XX/XXXX and asked them how I can get the check signed so that I can fix my house. The Presidents Secretary also could not find any account in our name. 
On XX/XX/XXXX I received an email from XXXX & XXXX still refusing to sign the insurance check enabling me to fix my house. It further states that the account was charged-off on XXXX XXXX and that they are unable to provide me with information as to how the account was charged-off or to provide any history on the payments on the account due to BB & T 's seven ( 7 ) year retention policy. 
Their refusal to sign the insurance check are causing additional mold through out my house. The first mortgage company said that they would take care of the BB & T issue and they had us sign the check before they signed it and returned it. BB & T could not locate any loan outstanding so they were not able to help in XXXX. 
XXXX BB & T wants me to send them a fully endorsed check before they will sign it. 
Now they also want us to sign an ACH Draft Form on a XXXX Charge-off for any unknown amount on an undocumented Charge-off they now say is {$45000.00}. The 2 checks to fix my house are for about {$75000.00} dated XX/XX/XXXX. I could not repair my house if they take over XXXX of the money. Please help me as they hold us 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 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
All my bank accounts at Citibank were blocked and then closed without previous communication. After they closed my bank accounts, they sent me a letter only stating that they decided to close banking relationship with me without giving any reasons. I called the bank to find out the reason and they said because I received an SBA loan into a personal bank account. I have provided with all the information they requested, I sent them a fax explaining how the process worked with the SBA and they don't answer nor respond any of my questions. On XX/XX/XXXX, I went to a Citibank branch and they called the fraud department, the lady from the fraud department named " XXXX '' told me that I didn't have any funds and that I wasn't going to receive any money from the bank. Citibank has my money XXXX and I need to know why they won't give me more information. The fraud department at Citibank has hung up on me " literally '' 3 times, when I ask to speak with a supervisor or someone that could give me more information, the representative ALWAYS terminate the call by saying " I have given you all the information and this call will be terminated '. I am being treated as a criminal, I'm asking for answers and all I get is the worst unfair and rude treatment from this bank. I understand the fact that a bank can terminate banking relationships with an individual, but, I can't believe that a bank can take a money that doesn't belong to them, and this behavior is called " stealing ''. Thanks in advance for any help provided!

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 2020-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT

Complaint narrative:
I have been under CarHop Finance for my car XXXX  XXXX  XXXX  and the car computer has broken and left me and my wife stranded for three days in the city at a gas station with no money no ways to fix it the computer broke on the car and then they would not fix the car I was left no other option but jump on a bus and take my family home I have not seen my car or anything or heard anything about it they're charging me for this car but I do not have this car they are unwilling to fix the problem of the they car sold they sold me the car I would like to be forgive him for this loan and I want to sue for the problems and issues of CarHop CarHop not help me fix my life but made it worse my family is struggling everyday to keep finances straight with the world and covid-19 taking in the fact I have not been able to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank-XXXX  Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of Comenity Bank, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX  balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I called the XXXX XXXX One Main Financial to f

ind out what the balance of my loan was. I was told {$5100.00}. This check cleared my bank on XX/XX/2020. One Main w as getting automatic payments on a biweekly basis in the amount of {$91.00}. 
On XX/XX/XXXX, I contacted my bank and told them not to release anymore payments to

One Main Financial. I received a call from One Main Financia
l on XX/XX/XXXX telling me they wanted to retract the paid in full bill ; and for me to pay the additional amount of money in the amount of XXXX On XX/XX/XXXX a bill was produced amount of {$180.00}. 
On Thursday XX/XX/XXXX ( the date I received the bill ) I called the branch to find out why I received this bill. I was first told it was because the pay off amount was returned from my bank, which was untrue. Then I was told it was because the {$180.00} was due prior to the balance being paid, it should have been included in the payoff amount but was not. The bill that was produced on XXXX XXXX it says the amount must be paid by XX/XX/XXXX. I called and sent an email to the corporate offices, and was told I would have to resolve it with the XXXX XXXX branch. 
On XX/XX/XXXX I received another bill dated XX/XX/XXXX. This bill shows the payment amount of {$510000.00}. It also shows a late fee of {$91.00}. This could not be possible because the payments were automatically deducted from my account. 
On this bill it also has an amount adjustment of {$91.00} stating it was applied to the balance. This bill shows the total balance I owe as {$3400.00}. 
I do have documentation of the paid in full receipt, the bills, and the date the {$5100.00} was paid from my bank. 
On XX/XX/XXXX I gave the person I was talking to for payoff my debit card number, as I was paying off the loan from a different account then they had on file. Because of the amount my bank would not let the debit card be used. On this same phone call I gave my account number and routing number for the checking account to be used. The approval from the bank was given at that time. 
I am very concerned about this not being resolved and having a negative effect on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
A couple of months ago I received an email from Comenity in reference to my Victorias Secret credit card. I needed to make a purchase by XX/XX/2020 in order for my card to remain open, since I had not used the card for some time. Since I did not have a physical card anymore, I logged into my comenity account and requested a new card via the customer service messaging system. The card never arrived after some weeks, so I went into the physical storefront to make a purchase knowing I could use my credit card without having a physical card in store ( I had done it previously ). After shopping for almost an hour, I went to check out and the store associate told me my account could not be located. After another 30 minutes with the associate calling Comenity, it turned out I could not make a purchase because Comenity was in the process of sending me a new card and I could not use my card via the store cashier. I went home and gave another week or so waiting for the alleged card they were mailing me. I finally called Comenity, and after spending an hour on hold, I was told I would be issued a new card with expedited shipping and would receive it in 3 days. It has been a week since that phone call since I gave the USPS a few extra days to send me my card, and today I received an email saying my account has been closed. I still have 20 days until my account was supposed to be closed due to inactivity per the email I received originally, with documentation on my account showing I have tried MULTIPLE times to use and replace my card, yet now I have a closure on my credit for a higher credit limit account that I have had for 10 years. I am XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04 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: MoneyLion Inc.
State: FL

Complaint narrative:
I opened an account with money lion back in XXXX and had it paid off by XXXX ; before that I opened an account and closed it the same day. Ive already complained due to the time frame it took for them to repay the escrow and now they are placing an inaccurate credit report which is affecting my score, Im contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have Visa credit card with BBVA since XX/XX/2020. Never been late, always paying in full. But this company does not report my credit activity to the credit companies ( e.g. XXXX ). This is against American lows, or BBVA makes their own?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I made a deposit through Bank of America outside ATM I was told the deposit went through and didnt think nothing much of it like Ive always done and took off with my receipt.Following day I received a notice saying my account had closed and I was no longer a customer of Bank of America I asked why there was no explanation after calling over and over getting bounced around I was told that there was some tampering with their FAULTY atm machine.I had no clue what they were talking about and I proceeded to wait that somebody will call me back once the money from the ATM machine was counted I have my receipt of deposit I made that day I also requested camera footage and somebody to call me back nobody ever did the 16 day process of closure turned into months here we are in XXXX STILL WAITING FOR THEIR SO CALLED INVESTIGATION TO TAKE PLACE YET NOBODY FROM BANK OF AMERICA HAS REACHED OUT TO ME CALLED ME OR FOLLOWED UP ON IT .I took it upon my self to reach out to senator XXXX XXXX office and congressman XXXX XXXX to let them know what Bank of America is doing to Americans during a time of covid I wont stop at this if my money is not back to me expect me to get an attorney as well as complaint has been forwarded to various agencies as is taken nearly 4 months and no answer to the mystery Bank of America claims in order to steal my hard earned money

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 2020-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Dear CFPB, I was told by Caliber Home Loans that during the Covid mortgage payment forbearance, that 7 months of payments that I deferred between XX/XX/XXXXand XX/XX/XXXX during the Covid pandemic on my Veterans Administration Loan with Caliber Home Loans would be put at the end of my mortgage term ofXX/XX/XXXX. It was explained to me that the 7 months of deferred payments would be added to the term ending date, so theoretically XX/XX/XXXX. I just received my loan 'Modification Terms ' from Caliber where they want to add another 25 months of payments to my loan!! My new loan modification date isXX/XX/XXXX!!!!! They lied to me and they have given me a trial period plan where my first payment due date isXX/XX/XXXX for my first mortgage payment since the deferral period that started inXX/XX/XXXX. I then make a second mortgage payment on XX/XX/XXXX which will complete the trial period before I sign my loan modification. My concern is that I need to make the payment on XX/XX/XXXXandXX/XX/XXXX which contractually is what they consider an acceptance to these new modification terms, but I will NOT accept the modification terms of ADDING ANOTHER 25 MONTHS OF MORTGAGE PAYMENTS WHEN I ONLY DEFERRED 7 PAYMENTS!!! PLEASE HELP THIS XXXX XXXX VETERAN WITH HIS VA LOAN WITH CALIBER HOME LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: GA

Complaint narrative:
XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

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 2020-10-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: GA

Complaint narrative:
XXXX XXXX Credit Card has for the last 2 years re-opened my charged off account and then closed it. Several times. All in an effort to make this already negative charge off even more damaging. I am XXXX and having extreme hardship due to Covid-19 and because of the improper activities of XXXX XXXX, my ability to obtain reasonable rates for insurance and loans because of my score, has become impossible. They currently show me as being late multiple times during the last 12 months despite having a XXXX   balance according to the information supplied by them to the credit bureaus. This is a violation of my rights under the FCRA. I have attempted to dispute this to the credit bureaus but have been no help.I am trying to refinance my mortgage but this incorrect information has caused several denials because of this.

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 2020-10-04 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I sent out disputes to the credit bureaus XXXX, XXXX and XXXX about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NY

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Trans union requesting Trans union provide me with name of company or persons information that they verified with to determined the validity of there investigation. FCRA 15 U.S. Code 1681g - Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. Trans union are in violation under this section. This inaccurate information needs to be removed 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 2020-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I ordered three items from the Google XXXX using my XXXX/ GOOGLE credit card. The order was placed XX/XX/XXXX. The order was supposed to arrive XX/XX/XXXX. The order status states " Your shipment was delayed. We're working to get it to you soon and will email you when it's on its way. '' For this reason I called to inquire about my order. No information was able to be given. I then explained I need to cancel the order. To my surprise they told me they have no way of cancelling the order. 

Google, the provider of internet services across the world, doesn't have a simple way to cancel an order? Of course they do. They are relying on your busy schedule so they can ship at will, disregarding any ETA originally displayed when the order is placed, and hope that you will just keep the items you bought since they 'finally arrived '. 

Not acceptable! This is taking advantage of the consumer. They have charged my credit card, promised a ship/arrival date, missed the ship/arrival date, can't provide me any info as to what is going on, and ... .. won't refund my money/cancel the order. 

Their solution is to wait until they have their XXXX figured out, get it shipped out to you, then have me the purchaser use my time and energy to ship it back to them. No way! 

Prompt attention to this matter is needed. I simply want my order canceled without having to babysit the front door for a package that MAY arrive at ANY time from Google, only to have to deal with re-shipping it back to them .... all when I should have been able to cancel the order with a simple phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent out disputes to the credit bureaus XXXX, XXXX  and XXXX  about accounts that are reporting on my credit report that doesn't belong to me. I filed an FTC report and police report as well.

Company response to consumer: Closed with explanation