vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank is offering loans for a XXXX small business owners. On XX/XX/2021 I went to the Huntington Bank in XXXX Mi. I met with the Branch Manager XXXX XXXX. XXXX XXXX was very helpful he explained the process and told me what the underwriter was looking for. I meet all requirements so I was excited and hopeful he also shared that another property management business was just granted a {$75000.00} Line of Credit for capital. I was very excited to apply. I submitted my business plan and personal information and agreed to the personal guarantor to secure the loan. 

I did not receive any update in 2 weeks so I called to follow up, XXXX stated my loan was denied and he escalated to another department to get me approved. As my personal credit, business credit and business plan were great. I was denied again due to judgments he stated. I was shocked I stated that is a mistake I don't have any judgments. No judgments are reflecting on my credit reports. I went to the bank in person on XX/XX/2021 to pick up my business plan, I asked XXXX specifically where did underwriting see the judgments which bureau? XXXX reviewed the underwriting notes and stated it was two unverifiable judgments with XXXX XXXX. I was furious! They used a non-credible agency, a public record agency that after I spoke with them, they have in writing the reports are to not be used to grant nor deny credit. This is a non-consumer reporting agency, why would a company like Huntington bank use a public record company that is not a consumer reporting agency? XXXX XXXX told me that the information was from 20 years ago. This information is not mine and is not correct! Huntington Bank pulled my credit I allowed a hard pull to my credit for this company to use a public record company to base the credit decision? This was deliberately done! 

I told XXXX, that Huntington Bank has a program that helps XXXX but just not XXXX that look like me, I am XXXX XXXX. I said they are purposely looking for a reason to deny if they are searching public record information and using that to determine credit which means they are looking for any reason to deny, why pull my credit if you're not going to use it? For the record, XXXX tried to fight for me and told me after I speak to XXXX XXXX to come back and we can file a complaint. I followed up with XXXX and provided the letter from XXXX that stated the report is not to be used to approve or deny credit and that the underwriter needs to stop using this to make a determination. Sadly, I never heard back from the manager, therefore I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.

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 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Im super frustrated. My name is XXXX XXXX. My citi bank account closed on XX/XX/2020. But i havent received my full balance untill I complaint to cfpb to get my money back. Recently citi bank emailed me saying they will refund my money back. I only receive {$12000.00}. But Im still missing {$8800.00}. I called state to know if they receive any fund with my name from citi bank. But they never receive anything neither me. Im so XXXX. Im totally broken and citi bank is harassing me a lot. Im so sad and mentally disturbed by their actions. They closed my account with out giving any notice and still I dont know the reason for closing my account. I need rest of money back. Every time I call customer service they dont help me. Even I went to the bank and they are not helping me either. Im seeing XXXX XXXX for this reason. And I tried to XXXX XXXX  so many times because Im XXXX XXXX XXXX because of citi bank and their harassment. They XXXX XXXX me.. I need my refund please I need to pay my rent and college. Please help Me to get my money back from citi bank.. I still need {$8800.00} which citi bank never gave me. I have complaint before to cfpb to get my money. And they only refund me some Portions not everything. 

And my citi bank card number is 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 non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
They are trying to collect a debt over seven years old and have reported it to the credit agency as a new debt in violation of the credit agency rules.

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 2021-09-25 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: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Axos Bank ( aka " XXXX '' ) reported a 30 day late on my credit for XX/XX/XXXX. 

I mailed a check to Axos for {$7000.00} on XX/XX/XXXX. This was for two payments : one which was due on XX/XX/XXXX and XX/XX/XXXX. They didn't process this until Monday, XX/XX/XXXX, after the holiday weekend ; resulting in a 30 day late on my credit report. 

Historically, my checks sent via USPS to Axos were processed within 3 business days. I sent my check on XX/XX/XXXX -- providing ample time to accommodate holiday related disruptions with USPS and Axos staff on vacation. 

Given my check was processed on Monday, XX/XX/XXXX, it is evident the holiday weekend paired with USPS holiday congestion/Axos work hours were an unfortunate confluence of events that have penalized my credit dramatically. 

I spoke with an Axos representative who assured me this minor error would be forgiven with goodwill considering the obvious " force majeure '' effects of a COVID holiday and reduced Axos staff / banking hours. 

NOTE : I have since paid Axos off in full, and no longer have an open account. I'd like to do business with them again, and I'd expect some goodwill here considering the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I went to the Bank of America ATM in XXXX XXXX Florida to make a payment on my credit card the payment amount was {$130.00} I made a deposit payment of {$130.00} the ATM gave me back a receipt and said it could not process my request and the receipt had the number XXXX it had a number and said it could not return my money and I would have to call the Electronic team at XXXX XXXX which I pulled over and immediately did the agent Said they could take my compliant but could not do anything to help me.Because this was after banking hours I gave the agent all the information and went home the next morning I called and was told That it was being investigated and that I would have to call back in about a week which I did on XX/XX/XXXX I called and an agent again said there was nothing he could do it was still being investigated I have been with Bank of America since XXXX and never had an issue like this A payment from that account was for my cellphone payment of XXXX that amount was refunded which made my balance XXXX since the bank took my XXXX payment deposit of that amount once the mistake is corrected and my funds are adjusted there would be a difference of XXXX owed back to me this is. New credit card the payment due date is for XX/XX/XXXX I was paying it earlier than it was due the agent I spoke with said they have to send someone out to collect the money from the ATM once the over payment amount of funds is calculated I would be given my money back or in this case the balance after the payment to the account is made I have never had a late payment or missed payment to any of my accounts I was told by that agent that any reports to the credit bureaus would be corrected by them that it could take up to 2months to correct it and issue my refund when I contacted XXXX XXXX XXXX and XXXX they informed me that isnt true and that once it is reported it will never be removed.Like I said I dont know how this bank can take 2 seconds to take my money but 2months to give it back and correct there mistakeI need this Documented and if possible someone from cooperate to resolve this I am at the point were Im ready to close some of my accounts with Bank of America its not fair as a loyal consumer I have to have this inconvenience of having to not only fix the payment but also deal with my credit being affected by there mistake.Other consumers need to be aware of this happening to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 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: UPGRADE, INC.
State: MI

Complaint narrative:
When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.

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 2021-09-25 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: MI

Complaint narrative:
When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.

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 2021-09-25 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: NJ

Complaint narrative:
I was charged for a service I did not receive in my Citi MasterCard by XXXXXXXX XXXX XXXX XXXX in the amount of XXXX on XX/XX/21 of which I was never given a receipt. I complained to XXXX XXXX XXXX XXXX but they only credited me a portion of that amount and not the full amount. The pending amount was XXXX. I then complained to Citi and there was much confusion given their disputes operate in XXXX and there is a language barrier. They have notified me that I would not be responsible for services not rendered then state I must pay the XXXX. Citi has closed and reopened this dispute multiple times going back and forth with me and the vendor who has violated visa and MasterCard rules with making fraudulent statements of services not rendered and products never ordered by XXXX. Citi after 4 months is now saying I will be charged for the portion the vendor has refused to refund my account ( XXXX ). When in fact I never received any services or products nor have I received a receipt for the charge youngs water and sewer placed on my credit card. I provided all documentation to Citi including the false claims evidence. I never received the final details from Citi as to their investigation and how they arrived at their conclusion given the evidence I provided. Other than the dispute rep stating that the merchant and merchant refuses to refund me the full amount.

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 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: NJ

Complaint narrative:
Received a call in XX/XX/XXXX about payment of a {$1500.00} debt apparently owed to XXXX. 
I told them I have never attended XXXX and to stop falsely pressurizing me to pay debts I don't owe. 

3-4 weeks later received a letter from RMS - Recovery Management Services Inc. from XXXX Illinois to my address in XXXX, Massachusetts saying I owe XXXX {$1500.00} which they apparently billed to me in XXXX  XXXX, XXXX of XXXX, XXXX in XX/XX/XXXX ( nearly 3 yrs ago!? ) I have never attended any course online or on the ground at XXXX so this is a totally false charge levied on me.

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 2021-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian refuses to remove debt accounts from my credit file that are not accurate. Sent me results that are showing g accurate for XXXX XXXX XXXX XXXX duplicated on my file that was included in my 2018 bankruptcy. XXXX XXXX is a timeshare that was included in my bankruptcy and should not be able to bill me or sell account to collections as it was included in my bankruptcy. 

Experian also refuses to remove XXXX/ XXXX as it violated CARES act by place that debt on my File during COVID-19. 

Can you please assist? 

Thank you! 
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