vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: TX

Complaint narrative:
For the last six months, I've been disputing a 30 and 60 day late that is on my credit report with Experian and XXXX XXXX. XXXX XXXX XXXX has sent two updates to delete the inaccurate information and update, I have sent numerous investigation requests online, spent hours on the phone being bounced around to their offshore departments that have been denied and even uploading the letter from XXXX XXXX XXXX. Help.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank will reduce your credit limit with no warning whatsoever. This impacts my overall credit score. 

I had great credit. I was a day late on one payment. Citi Bank basically " reviewed '' all of my accounts and reduce my available credit for arbitrary reasons. I have not had any credit problems up until that point. 

I know you will say you should've paid your bill. I understand, I was late one day. They basically have locked my credit down. Made my credit score go from almost 800 to XXXX in the matter of one month over one payment. 

Credit card companies should not be able to do this over one payment.

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 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: NY

Complaint narrative:
I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}

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 2020-06-23 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: NY

Complaint narrative:
I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC
State: NY

Complaint narrative:
I remitted an incorrect monthly mortgage payment for XX/XX/2020. It's an typo of XXXX when it should be XXXX. The payment was sent in time but the servicer decided not to process the payment. I realized the error when receiving the monthly statement and the new amount including the shortage. Around the same time, I received delinquent notice from the servicer. I checked the online account, everything is in good order as both payments were applied. 
Subsequently I noticed my credit score has dropped significantly and realized there's a delinquent put through by Loancare. I contacted the credit department via email per instructions from customer service. It replied backed within 1 week indicating the case is closed without any explanation. I checked my credit score and realized it's now changed from delinquent to late payment. Again, I contacted the credit department and same thing that the case is closed. There's no way I can get in touch with credit department or have any actual explanation why it should be treated as late payment when payment was made in time and it's the processing unit decided to hold off not to apply payment until the following month. The error/shortgage can always be applied to escrow as the incorrect amount sufficiently cover monthly P & I plus part of the escrow. And XXXX payment was the month when they tried to adjust the monthly amount with the revised escrow and there's multiple statements subsequently. 
Appreciate your kind attention to the matter. It's extremely frustrating for not be able to speak with customer service who can help or receiving an explanation of why it was first treated as delinquent and then late payment. I have other mortgage where there's a more proactive information flow with email notices, etc. So error can be rectified in a more timely manner. 
Loancare has subpar customer services but jumped quickly to blemish customer credit. The dispute channel and process is ineffective with very little true customer support.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I accepted {$4000.00} in prepaid gift cards as payment through my Square account. I ran 8 {$500.00} cards over a span of 13 minutes. At no point during this time was there any indication from Square that there would be a problem accepting the gift cards. In fact, 2 days earlier, I had accepted a {$500.00} gift card, and it processed with no issue. In fact, their website clearly states that gift cards are an acceptable form of payment, the following is taken directly from their website : " Accept Prepaid Cards Square can process prepaid cards bearing any of the logos above at our low 2.65 % per-swipe rate or 3.4 % + 15 manual-entry rate. Any remaining balance will display on the receipt. '' Later that day, I received a notice that my account was permanently deactivated, and my funds would be held for 150 to 180 days. I was provided a link to the " Square Seller Agreement '' to read up on what had triggered the freeze on my funds, however, there is absolutely nothing in that agreement indicating I could not take payment via prepaid gift cards. 

I attempted to contact their customer support, but since my account was deactivated, their online support form would not let me send any correspondence. 

I responded 5 times to their initial email notifying me of a freeze on my funds. 27 days later I finally received a response, simply reiterating that they were holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
On XXXX XX/XX/XXXX, I received a " Welcome and Mortgage Disclosures for Loan # XXXX signed and dated for XXXX XX/XX/XXXX by XXXX XXXX, MLS # XXXX from Caliber Home Loans. I immediately called Mr. XXXX to better understand where this document with personal information including my date of birth and social security originated from. Mr. XXXX stated according to CPFB he was authorized to do so. I asked to speak to his immediate supervisor with no avail. Calling back, I was able to speak with Mr. XXXX XXXX MLS # XXXX. I asked who authorized Mr. XXXX to send my personal identification information through the mail. Mr. XXXX stated that Mr. XXXX submitted my personal information without my approval or authorization. This is the first time I have ever heard or seen either of these two gentlemen 's names. I have been a customer of Caliber Home Loans since XX/XX/XXXX time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
To whom it may concern, Due to the COVID-19, I have faced hardship with collecting from tenants and covering my mortgage. This financial hardship is mostly due to the forced closing of non-essential businesses. I have two property mortgages with BSI financial services. 

Loan # XXXX Loan # XXXX Bsi financial has been an opportunist throughout this pandemic. They have added multiple late fees and are not willing to work out any type of forbearance agreement. Although maybe times like these may not seem serious to someone in their position it has affected my way of life tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX. I have an account at Santander Bank. Recently I have fallen on hard times due to the Covid crisis. I work as a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ma. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I make {$14.00} per hour. I try to work 60-80 hours a week to make ends meet. But recently many of our clients have passed away due to the virus so my hours have been cut severely. Unfortunately I still have the same bills. I knew I would over draw my account. However I thought that Santander would clear items that clear the same day in order of amount so that smaller items would clear first thus reducing the number of fees in a day. Instead they clear larger items first in order to maximize the number of over draft fees. For instance on XX/XX/XXXX they charged me 6 overdraft fees of {$35.00} each and then charged me an additional {$35.00} fee for a {$10.00} item that cleared on XX/XX/XXXX. In the period since XX/XX/2020 I have received ( 52 ) {$35.00} fees totaling {$1800.00} of which I have made ( 3 ) requests and received only a refund of 8 of those fees totaling {$280.00}. Therefore Santander has collected a total of {$1500.00} in overdraft fees in 3 months. I get direct deposit every 2 weeks into my account at Santander but the net amount of my paycheck averages {$1200.00} so each payday half of my check is used against my negative balance for fees therefore I can not catch up and more fees happen. All I have asked is for them to charge the fees fairly. Clear small dollar transactions first. If they did that I would have received only a third of the fees that they charged. Please assist I cant even pay for my health insurance that is due today and I am so scared. 
The name and address that my account number is under is : XXXX XXXX XXXX XXXX XXXX XXXX Ma. XXXX Acct number ends in 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 2020-06-23 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: TX

Complaint narrative:
Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$4500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8100.00} Highest Balance {$8300.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8100.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*182.07 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX JXXXX XXXX {$8700.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX  XXXX  Account Type Flexible Spending Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8700.00} Highest Balance {$8700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8700.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: 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. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

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 2020-06-23 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: TX

Complaint narrative:
For the last six months, I've been disputing a 30 and 60 day late that is on my credit report with XXXX  and Trans Union. XXXX XXXX XXXX has sent two updates to delete the inaccurate information and update, I have sent numerous investigation requests online, spent hours on the phone being bounced around to their offshore departments that have been denied and even uploading the letter from XXXX XXXX XXXX. Help.

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 2020-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
At the end of the lease termination due to ( military orders ). The  Vehicle was returned with less than 36,000 miles. When I purchased this lease, the dealership told me the lease is for 12,000 miles per year or 36,000 for three years. The vehicle was returned after two years and the mileage was at 29,000. I have leased with other car companies before and I have also terminated pervious vehicle leases because of military orders and Ive never have a problem before as long as the vehicle did not Exceeded 36,000 in three year period. Also I am getting charged for a disposition fee. I dont understand why I have to pay this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I WAS CHARGED XXXX ON A XXXX XXXX AND WAS NEVER TOLD OF THE FEES INVOLVED. THIS IS OUTRIGHT FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
Purchased a motorcycle from a private seller that has his loan through Harley Davidson financial services. Purchased it on XX/XX/2020. Our credit union paid off his loan with HDFS on XX/XX/2020. 

Since the purchase I have been unable to register the motorcycle in the state if Illinois due to HDFS dragging their feet on releasing the lien and sending the title to me. On XX/XX/2020 the state of Illinois raises the taxes, title registration and license plate fees by 50 % which will cost me several XXXX dollars more to register than if this had been completed in a timely manner. As of this complaint it has been 14 days since HDFS received the payoff and credited the account as paid off. 

HDFS must either expedite the handling of the title and release of XXXXien,  or agree to pay the extra costs associated with the registration and tax process, as it will be a result of their slow response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter from Phoenix Financial stating that I owe them money for a medical bill. The letter said I had 30 days to dispute it and which I did. The letter was send out on XXXX XXXX and it was received by phoenix financial on XX/XX/2020. I asked them for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 
On XX/XX/XXXX I received a letter from Phoenix Financial stating I owe this money and showed me a bill from another collection agency. This is not what I asked for and they did not provide me with this original medical bill that they say I owe them. Now I am asking them to remove this collect account off of my credit report or I will do the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau which I am now.

4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.

6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. 

I know my rights and I expect them to remove this account ASAP. I am attaching all documents that was send to Phoenix Financial and to comply with my demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-06-23 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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